What PRO BTP does

PRO BTP is a paritarian, non-profit social protection organization (Association de moyens PRO BTP, governed by the French law of 1 July 1901) serving the French Bâtiment et Travaux Publics (BTP) construction industry. Founded in 1993 and headquartered at 7 rue du Regard, Paris, the group provides health insurance, provident coverage, retirement savings, property and auto insurance, multi-support life insurance (Assurance vie Multisupport CONFIANCE), and vacation services to artisans, construction enterprises, individual members, and accountants serving the trade. It serves more than 3 million insured members through 100+ agency locations across France, supported by 5,001–10,000 employees, telephone advisory, and digital self-service.

The group's product surface is built around three primary member entry points — PRO BTP Particuliers, PRO BTP Entreprises, and PRO BTP Artisans — and is operationalized through wholly owned subsidiaries including PRODIGÉO Assurances (provident/health), BTP RMS (medico-social residences including 9 EHPAD, 2 SSR clinics, 1 FAM, an ESRP, and a MECS), SAF BTP VIE (life insurance), and SAF BTP IARD (P&C), plus a jointly controlled Alliance Professionnelle Retraite AGIRC-ARRCO for supplementary retirement. The technology stack centers on a multi-portal digital ecosystem: Mon Espace Particulier customer portal, the PRO BTP Santé mobile app (with 48-hour reimbursement submission), electronic signature platform, Hub Santé PRO BTP, Ma Fenêtre Santé preventive health portal, and Observatoire Santé PRO BTP research site, alongside six mobile applications and 35+ external digital services.

PRO BTP operates as a subscription/recurring revenue mutual with surpluses reinvested into member services; pricing is not publicly disclosed for insurance products, with one disclosed promotional rate (4.3% boosted euro fund on CONFIANCE until 8 March 2027 for contributions with >30% unit-linked content) and vacation services priced at a 20% discount to public rates. Distribution combines self-serve digital, inside sales (telephone advisory by region), and direct enterprise field sales. Reported operating metrics include 92% member satisfaction (Baromètre PRO BTP, December 2025), management fees described as among the lowest in the market, and €70.5 million in annual financial aid redistributed to members. There is no external ownership, no public listing, and no venture or private equity capital involved; the organization is governed jointly by employer and employee representatives from the BTP sector.

Name

PRO BTP

Legal name

Association de moyens PRO BTP, Association de Protection Sociale du Bâtiment et des Travaux publics régie par la loi du 1er juillet 1901

Website

https://probtp.com

Company type

Private

Founded year

1993

Operating status

Operating

Headcount range

5,001–10,000 employees

Short description

PRO BTP is a paritarian, non-profit French social protection group serving 3+ million members in the Bâtiment et Travaux Publics sector with health, provident, retirement, property/auto, and vacation insurance, distributed via 100+ agencies and a multi-portal digital ecosystem.

Ownership category

akta.pro rank

Product category

Social Protection Insurance

NAICS

Direct Life, Health, and Medical Insurance Carriers (52411), Health and Welfare Funds (525120), Continuing Care Retirement Communities and Assisted Living Facilities for the Elderly (6233), Direct Life Insurance Carriers (524113)

SIC

Accident & Health Insurance (6321), Life Insurance (6311), Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Association & PEO Group Health Plans (AHP/PEO-Sponsored) (FSAIAFAH)

akta.pro secondary industries

Life Plan / Entrance-Fee CCRCs (HLADAEAA), Nonprofit / Social Services BOP (FSAJAFAM)

Keywords

• Construction insurance services
• Social protection insurance
• Supplementary health coverage
• Employee benefits plans
• Retirement savings products

Headquarters

HQ city

Paris

HQ country

France

HQ region

Europe

Offices7 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure, Others

Revenue model

1. Health Insurance Premiums: PRO BTP collects health insurance contributions from BTP professionals (artisans and companies) providing supplementary health coverage, with options for both BTP sector-specific plans and public-facing plans.
2. Providence/Insurance Premiums: Death capital, loan insurance, and multi-risk insurance products generating recurring premiums.
3. Retirement Savings: Retirement savings products including life insurance MULTISUPPORT CONFIANCE with euro funds and unit-linked accounts.
4. Vacation Services: Vacation services including club holidays, camping, cruises, and trips offered at discounted rates to BTP members.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels5 records

Core offering

PRO BTP is a paritarian, non-profit social protection group that provides insurance, provident, retirement savings, property and personal-assistance products and services to BTP (Building and Public Works) professionals, employees, companies, and retirees in France. Offerings span supplementary health coverage, life and disability provident insurance, multi-support life insurance (CONFIANCE), home and auto insurance, vacation services, and medico-social residential care, distributed through regional agencies and a digital ecosystem of portals and mobile applications.

Product overview

PRO BTP is a non-profit mutual insurance group serving the French building and public works (BTP) construction industry. The organization offers a comprehensive portfolio of insurance and social protection products organized around five core offerings: (1) PRO BTP Particuliers for individual members covering health insurance, provident insurance, property/auto insurance, and life insurance (Assurance vie Multisupport CONFIANCE®); (2) PRO BTP Entreprises and Artisans for business and craftsman clients; (3) BTP RMS medical-social residences including nursing homes, rehabilitation clinics, and professional rehabilitation services; (4) PRO BTP Vacances for discounted holiday services; and (5) digital platforms including the Mon Espace Particulier customer portal, PRO BTP Santé mobile app, Hub Santé PRO BTP, and electronic signature services. The group also operates subsidiary brands including PRODIGÉO Assurances, KORÉLIO, REGARD BTP, and PRO BTP FINANCE.

Differentiator

Problem solved

Functional benefit

Brands

• CONFIANCE: Multi-support life insurance product with euro funds and unit-linked investments
• PRODIGÉO
• PROTEC BTP
• Ma Fenêtre Santé
• BTP RMS

Products and services

• PRO BTP Particuliers Comprehensive insurance and protection offering for individual members, including supplementary health insurance (Complémentaire santé BTP and touT public), provident insurance, retirement savings, multi-risk home insurance (Multirisques Habitation), auto insurance, and life insurance (Assurance vie Multisupport CONFIANCE).
• PRO BTP Entreprises Business insurance and employee protection services for construction companies, including employee health insurance, collective provident plans, collective savings plans (Épargne collective), workplace vacation services, and social action programs.
• PRO BTP Artisans Specialized protection and insurance offering for self-employed artisans and craftspeople in the construction industry, including personal protection (health, provident), business protection, business creation support, vacation offers, and social actions.
• PRO BTP Vacances Vacation services offering discounted holiday accommodations and travel (club holidays, camping, cruises, tours) in France and abroad, available at reduced rates to BTP members (-20% on public tariff).
• Multirisques Accidents de la Vie Multi-risk personal accident insurance providing a capital payment starting from 10% permanent disability within policy limits to compensate members for life accidents.
• Assurance vie Multisupport CONFIANCE Multi-support life insurance combining euro funds and unit-linked investments, offering a boosted rate of 4.3% on the euro fund for new contributions with more than 30% in unit-linked accounts (until 8 March 2027).
• PRO BTP Santé Mobile App Mobile application allowing members to present their digital third-party payment card, simulate healthcare reimbursements, and submit invoices for reimbursement within 48 hours, available on iOS and Android.
• Mon Espace Particulier Secure online customer account portal for individuals to manage their PRO BTP contracts, submit claims, and contact the organization.
• PRODIGÉO Assurances Insurance sub-brand offering provident and health insurance products with its own subscriber portal and electronic signature services for members.
• BTP RMS (Résidences médico-sociales) Medico-social residential care offering including 9 nursing homes (EHPAD), 1 foster care home (FAM), 2 convalescent clinics (SSR), 2 autonomous residences, 1 professional rehabilitation center (ESRP), and 1 children's home (MECS), several certified by the Haute Autorité de Santé.
• Hub Santé PRO BTP E-health portal providing a curated selection of services facilitating access to healthcare for PRO BTP subscribers.
• BTP CFA Le Belloy Apprenticeship training center offering construction industry qualifications including building surveyor, technician, and superior technician programs in partnership with PRO BTP.

Quantifiable outcome

• 3+ million insured members
• +2 more outcomes

Named customers3 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

Eleven partnerships are on record, tiered core and minor.

• Alliance Professionnelle Retraite AGIRC-ARRCOcoreStrategic or Co-development PartnerPartnership for supplementary retirement services for BTP professionals, with joint governance and regulatory compliance.
• EliozminorOthersProvides sign language (LSF), written transcription (TTRP), and cued speech (LPC) communication services for deaf and hard-of-hearing members accessing PRO BTP customer service.
• Haute Autorité de Santé (HAS)coreOthersCertifies PRO BTP's medical-social establishments (EHPAD, SSR clinics, FAM) for quality and safety standards.
• CNILcoreOthersFrench data protection authority overseeing PRO BTP's personal data processing and cookie policies.
• WavestoneminorImplementation/ SI/ Consulting PartnerExternal firm conducted accessibility audit on PRO BTP website in July 2025, achieving 72% RGAA compliance.
• VRFminorOthersPartner organization listed on BTP Résidences médico-sociales website.
• AdomaminorOthersPartner organization listed on BTP Résidences médico-sociales website.
• APF France HandicapminorOthersPartner organization listed on BTP Résidences médico-sociales website.
• Fondation BTP PlusminorOthersPartner foundation listed on BTP Résidences médico-sociales website.
• Médiateur de la Protection sociale (FIPS)minorOthersDesignated mediator for BTP Prévoyance contracts (provident, insurance, health) disputes.
• La Médiation de l'AssuranceminorOthersDesignated mediator for insurance company contracts including SAF BTP VIE and PRODIGÉO Assurances.

Scale indicators5 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Klesia: French paritarian social protection group serving multiple professional branches (including construction-adjacent sectors). Comparable as another paritarian insurer providing health, provident and retirement to a defined professional population in France.
• Malakoff Humanis: Leading French paritarian group delivering health, provident, savings and retirement to corporate and professional clients. Comparable multi-line paritarian model, scale (multi-million members), and B2B2C employer-driven distribution.
• AG2R La Mondiale: Major French paritarian insurance group active in health, provident, retirement and savings across multiple professional branches. Comparable in scale, paritarian governance and breadth of social protection products in France.

Broad incumbents

• Group VYV: Largest French mutual health and social protection group. Comparable through its mutual model offering health, provident and care services to a wide member base, including professional and enterprise segments.
• Crédit Agricole Assurances: Insurance arm of Crédit Agricole, offering life, health, P&C and retirement savings in France at large scale. Comparable as a multi-line distributor of social protection products to French individuals and SMEs, leveraging bancassurance.
• AXA France: French arm of AXA, a global insurer offering health, life, P&C and retirement in France. Comparable as a large multi-line competitor to PRO BTP's individual and enterprise protection offerings in the French market.
• Allianz France: French subsidiary of Allianz providing life, health, P&C and retirement products. Comparable as a broad-based incumbent offering the same multi-line protection products that PRO BTP delivers to its BTP member base.
• Covéa (MAAF / MMA / GMF): Leading French mutual insurance group combining MAAF, MMA and GMF brands in P&C, health and protection. Comparable as a multi-brand French mutual serving individuals and small businesses with protection products.

Regional players

• Harmonie Mutuelle: Major French mutual health insurer offering complementary health and provident coverage. Comparable as a health-focused mutual serving individuals and enterprise clients in France, with overlapping product set to PRO BTP's health business.

Others

• AGIRC-ARRCO: Federation managing French mandatory supplementary retirement for private-sector employees — a strategic partner of PRO BTP via APR. Comparable as the wider French retirement framework in which PRO BTP's retirement products sit and operate.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/probtp_groupe
• YouTubeyoutube.com/user/PROBTPchanel
• Facebookfacebook.com/MesVacancesPROBTP
• LinkedInlinkedin.com/company/pro-btp-groupe

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries5 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments4 records

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about PRO BTP