Mutuelle des Architectes Français assurances

What Mutuelle des Architectes Français assurances does

Mutuelle des Architectes Français assurances (MAF) is a French mutual insurance company founded in 1931 and headquartered at 189 boulevard Malesherbes, Paris, operating under the French Insurance Code as a société d'assurance mutuelle à cotisations variables. The company is purpose-built around professional liability (RC Pro) insurance for construction design professionals — architects, engineers and technical design offices (BET), construction economists, interior architects, and landscape architects — serving 27,000+ insured members under a mutualist ownership model in which policyholders are co-owners with voting rights at the General Assembly.

MAF's product portfolio extends well beyond core RC Pro into complementary professional cover (legal protection, operating and third-party liability), construction insurance for building owners (Dommages-Ouvrage, Tous Risques Chantier, Constructeur Non Réalisateur), property and casualty lines (multi-risk offices, IT, cybersecurity, auto, home), personal lines (health, provident, retirement, loan insurance), and directors' coverage (RCMS, key person). Distribution is primarily direct via a field sales force (chargés d'affaires) and a member portal (moncompte.maf.fr), supplemented by brokers, the MAF Conseil subsidiary for complementary lines, and Euromaf/AIA AG for international members. The company monetizes through subscription-based recurring premiums priced on a quote basis, with a promotional 25% first-year reduction for new members.

The core technology stack is a web-based insurance platform with member portals, claims management, attestation verification, and a suite of proprietary professional toolkits (Boîte à Outils Chantier, Permis de Construire, Contrats) and a jurisprudence database, all hosted by Cloud Temple on French servers. In 2025 MAF became a training organization, launching structured professional development courses that double as a member acquisition/retention lever. The company maintains strategic data-exchange relationships with CROA and CNOA — the French regional and national architectural councils — embedding MAF into the institutional regulatory fabric of the profession.

Name

Mutuelle des Architectes Français assurances

Legal name

Mutuelle des Architectes Français assurances

Website

https://maf.fr

Company type

Private

Founded year

1931

Operating status

Operating

Headcount range

101–250 employees

Short description

Mutuelle des Architectes Français assurances (MAF) is a French mutual insurance company providing professional liability and complementary insurance products to 27,000+ architects, engineers, construction economists, interior designers, and landscape architects across France.

Ownership category

akta.pro rank

Product category

Professional Liability Insurance

NAICS

Direct Property and Casualty Insurance Carriers (524126), Insurance Carriers (5241)

SIC

Fire, Marine & Casualty Insurance (6331), Insurance Carriers, Nec (6399)

akta.pro primary industry

Professional Liability (E&O) (FSAJAGAC)

Keywords

• Professional liability insurance
• Architect insurance products
• Construction design insurance
• Mutual insurance company
• Complementary insurance coverage

Headquarters

HQ city

Malesherbes

HQ country

France

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Professional Liability Insurance: MAF's core offering is specialized professional liability (RC Pro) insurance for architects, engineers, economists, interior designers, and landscape architects. This is a subscription/renewal-based model with variable cotisations (premiums).
2. Complementary Insurance Products: Additional insurance lines including professional legal protection, business interruption liability, third-party liability, construction insurance (Dommages-ouvrage, Tous Risques Chantier, CNR), property insurance (offices, IT, cyber, auto, home), health and provident funds, retirement plans, and loan insurance. Offered through the MAF Conseil subsidiary.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels5 records

Core offering

MAF is a French mutual insurer that sells professional liability (RC Pro) insurance and complementary insurance coverage exclusively to construction design professionals — architects, engineers, technical design offices (BET), construction economists, interior designers, and landscape architects. Offerings cover the full insurance lifecycle: mandatory professional liability, complementary lines (legal protection, exploitation and third-party liability), construction insurances (Dommages-Ouvrage, Tous Risques Chantier, Constructeur Non Réalisateur), property and casualty (offices, IT, cyber, auto/moto, home), loan, health and provident, retirement, and director/key person coverage, sold on a recurring subscription basis.

Product overview

MAF Assurances is a mutual insurance company offering a comprehensive portfolio of insurance products and professional services exclusively for the construction and design industry. The core offering centers on professional liability insurance for architects, engineers, economists, interior designers, and landscape architects. The product portfolio includes: (1) Professional insurances for design professionals covering architects (RC Architectes), engineering firms (BET), construction economists, interior designers, and landscape architects; (2) Complementary insurances including legal protection, operating liability, and third-party civil liability; (3) Property and casualty insurance covering construction projects (Dommages-Ouvrage, Tous Risques Chantier, Constructeur Non Réalisateur), office multi-risk, IT, cyber security, auto/moto, and home insurance; (4) Personal insurance including health, provident, retirement, and loan protection; (5) Directors and officers coverage including RCMS and key person insurance; (6) Specialized project insurance for large construction sites and international services; (7) Digital tools including member portals (moncompte.maf.fr), certificate verification (attestation.maf.fr), jurisprudence database, and three specialized toolboxes covering construction management, contract analysis, and building permits; (8) Training services providing structured professional development courses. The company operates through subsidiaries including Euromaf and MAF Conseil for broader market coverage and AIA AG for international operations.

Differentiator

Problem solved

Functional benefit

Brands

• MAF: Primary brand name for Mutuelle des Architectes Français assurances, a mutual insurance company specializing in professional liability insurance for architects and construction design professionals.

Products and services

• Professional Liability Insurance (RC Professionnelle) for Architects Professional liability insurance (RC Pro) for architects covering risks associated with design and construction projects, including design errors, omissions, and third-party claims. Contracted by individual architects and architecture practices in France.
• Professional Liability Insurance for Engineers / Technical Design Offices (BET) Professional liability insurance for engineering firms and Bureaux d'Études Techniques (BET), covering the same scope of design and construction errors and omissions applicable to engineering practices.
• Professional Liability Insurance for Construction Economists Professional liability insurance tailored to construction economists who specialize in cost estimation and project budgeting, covering professional risk related to project economics advice.
• Professional Liability Insurance for Interior Designers Professional liability insurance for interior designers covering design-related professional risks on interior architecture projects.
• Professional Liability Insurance for Landscape Architects Professional liability insurance for landscape architects covering professional risks on landscaping and outdoor design projects.
• Complementary Professional Insurances (Legal Protection, Operating Liability, Third-Party Liability) Supplementary professional insurance coverage including professional legal protection (with optional fiscal protection), operating liability (RC exploitation), and third-party civil liability (RCT), sold to design professionals.
• Dommages-Ouvrage Structural Damage Insurance Structural damage insurance required by French law for construction projects, covering defects in construction work for building owners (maîtres d'ouvrage).
• Tous Risques Chantier (All-Risk Construction Insurance) All-risk construction insurance covering damage to materials, equipment, and work in progress during construction, for project owners and developers.
• Constructeur Non Réalisateur (CNR) Insurance Insurance covering liability when acting as project manager without performing actual construction work, for non-realizing builders.
• Grands Chantiers Large Construction Project Insurance Specialized insurance for large-scale construction projects, with higher coverage limits and tailored risk management for major works.
• Maison Individuelle (AMI) Individual House Construction Support Program Insurance and support program (Accompagnement Maison Individuelle) specifically tailored to individual residential construction projects, including project support services.
• Libre Prestation de Service (Cross-border Service) Insurance Insurance for cross-border service provision, covering professionals working internationally within the EU under the freedom to provide services framework.
• Multi-Risk Office Insurance (Multirisques Bureaux) Multi-risk insurance for professional offices covering premises, equipment, and business interruption, sold to design practices.
• IT Equipment Insurance (Informatique) Insurance covering computer equipment, software, and digital asset protection for professional offices in the architecture and engineering sector.
• Cybersecurity Insurance (Assurance Cyber Sécurité) Cybersecurity insurance protecting design practices against digital risks, data breaches, and cyber incidents.
• Auto/Moto Vehicle Insurance Vehicle insurance covering cars and motorcycles for professional and personal use, sold to design professionals and members.
• Multi-Risk Home Insurance (Multirisque Habitation) Home insurance covering residential properties, personal liability, and contents for members and their households.
• Loan Insurance (Assurance de prêt) Loan insurance covering mortgage or professional loan repayments in case of death, disability, or unemployment.
• Individual Health and Provident Insurance (Santé et Prévoyance Individuelle) Individual health and provident insurance tailored to self-employed professionals including architects and engineers.
• Retirement Savings and Pension Plans (Retraite) Retirement savings and pension products designed for self-employed professionals in the architecture and design sector.
• Directors and Officers Liability Insurance (RCMS) Directors and officers liability insurance (Responsabilité Civile des Mandataires Sociaux) protecting company leaders from management-related claims.
• Key Person Insurance (Homme-clé) Key person insurance protecting businesses against financial loss arising from the death or disability of essential employees or partners.
• Structured Professional Training Programs (Formations structurées) Full-day structured training programs (RDV-MAF and Formations structurées) covering professional liability, public and private procurement, and loss prevention for architects and design professionals; sessions count toward mandatory professional development hours.

Quantifiable outcome

• Over 27,000 designers insured
• +1 more outcomes

Named customers6 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Seven partnerships are on record, tiered core and minor.

• EuromafcoreChannel Partner/ Reseller/ DistributorEuromaf is MAF's international subsidiary that provides insurance coverage for designers, engineers, economists, landscape architects, and interior architects operating abroad. It serves as MAF's primary channel for serving international clients.
• MAF ConseilcoreChannel Partner/ Reseller/ DistributorMAF Conseil is a subsidiary offering supplementary insurance products including professional liability, auto, provident, and retirement insurance. It extends MAF's product range beyond core professional liability coverage.
• AIA AGminorChannel Partner/ Reseller/ DistributorAIA AG is MAF's international subsidiary (alongside Euromaf) that assists members abroad. Listed under 'La MAF à l'étranger' as a subsidiary for international coverage.
• Conseil Régional de l'Ordre des Architectes (CROA)coreStrategic or Co-development PartnerMAF transmits data to CROA (Regional Councils of the Order of Architects) to enable them to maintain and update their regional registers of architects, in accordance with French architecture law (loi n°77-2 du 03 janvier 1977). CROA also has a dedicated portal (Espace CROA) provided by MAF.
• Conseil National de l'Ordre des Architectes (CNOA)coreStrategic or Co-development PartnerMAF transmits member data to CNOA (National Council of the Order of Architects) and collaborates with them on professional matters. CNOA data exchange is part of MAF's compliance with architecture professional regulations.
• Courtiers (insurance brokers)minorChannel Partner/ Reseller/ DistributorMAF works with insurance brokers who distribute MAF products and have access to a dedicated broker portal (Espace courtier). Data may be shared with brokers when a member contracts via MAF Conseil.
• Assureurs et réassureurs (insurers and reinsurers)minorOthersMAF transmits member data to insurers and reinsurers as part of its insurance operations, risk sharing, and co-insurance arrangements. Reinsurers support MAF's large risk portfolio.

Scale indicators3 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• SMABTP: French mutual insurer (Société Mutuelle d'Assurance du Bâtiment et des Travaux Publics) providing professional liability and construction insurance to construction and design professionals — the closest direct comparable to MAF within France's mutual insurance landscape.
• April Group: French insurance broker and product designer specializing in niche professional segments including construction and design professionals — comparable as a French specialist insurance intermediary competing for the same target customer.

Broad incumbents

• AXA France: Largest P&C insurer in France offering professional liability, construction, and personal lines to architects and engineers as part of a broad portfolio — competes with MAF on RC Pro and damages-ouvrage but is not specialist.
• Groupama: Major French mutual insurer with national P&C, professional liability, and construction insurance lines serving individuals and professionals — overlaps with MAF on construction-related products but addresses a much broader market.
• Allianz France: Global P&C and specialty insurer with significant French operations in professional liability and construction insurance; competes with MAF for architects and engineers as part of a diversified insurance portfolio.

Regional players

• MMA (Mutuelles du Mans Assurances): French mutual insurer offering P&C, professional liability, and personal lines, with notable presence in professional segments — relevant comparable for MAF's mutualist structure and product breadth, though not design-professional specialist.
• MACIF: Large French mutual insurer serving individuals and professionals with P&C, health, and provident products — comparable as a peer mutualist operating in adjacent French insurance segments but without MAF's design-professional specialization.

Emerging players

• Hiscox: Specialty insurer with a strong focus on professional liability for designers, architects, and creative professionals — directly comparable product offering to MAF's RC Pro, often cited as a benchmark for SME professional lines in Europe.
• Beazley: Specialty insurer with deep expertise in professional liability, including architecture and engineering E&O — comparable to MAF on product specialization and underwriting approach for design professionals.

Others

• Caisse Centrale de Réassurance (CCR): French state-backed reinsurer providing catastrophe and specialty reinsurance capacity — relevant as MAF's reinsurance counterparty for large construction risks and a structural reference point for capacity pricing in the French P&C market.

Market position

Strengths5 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/mafassurances
• YouTubeyoutube.com/channel/UCA3u_vnpBWNFK_nanvrAbOw
• Facebookfacebook.com/MAF.assurances
• LinkedInfr.linkedin.com/company/mutuelle-des-architectes-fran%C3%A7ais-assurances

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries3 records

Funding overview

Funding rounds

Investors

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

M&A

Investments

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

Frequently asked questions about Mutuelle des Architectes Français assurances