Mudetaf

What Mudetaf does

Mudetaf is a French mutual insurance company (assurance mutualiste) founded in 1985 by tobacconists (buralistes) and headquartered at 23–25 rue Chaptal in Paris. It is 100% dedicated to French proximity commerce — tobacconists (its founding market, where it insures roughly 1 in 2 professionals nationally), hotels/restaurants/cafés (CHR) via the OREST contract, other proximity retailers (press, bars, PMU), and individual homeowners. Products span multi-risk professional insurance, Mudetaf Protection+ (an exclusive fraud and employee-malveillance cover), home and building insurance, supplementary health and provident insurance (via Alptis, April), individual and collective PER retirement savings (via Monceau Assurances), loan insurance leveraging the 2022 Lemoine Law (via April), daily hospitalization indemnity, 24/7 psychological support, and emergency home assistance. Underwriting and assistance are augmented by OPTEVEN (locksmith/glazier/plumber/security and psychology hotline) and CIVIS (legal protection).

The technology stack is a conventional insurance platform: a website-based quote-request workflow, a 24/7 digital claims-declaration system with document upload, and a member portal (Espace sociétaire) for contract and document self-service. There is no disclosed AI, API, or SDK offering. Distribution is built around a salaried regional delegate network covering every French department — the company deliberately avoids call-centre sales — supplemented by participation in Confédération des buralistes, UMIH, and AFMR general assemblies and events, plus a referral programme (parrainage) offering 1–6 months of free contributions. The business model is premium-based mutualist: policyholders (sociétaires) own the company, elect delegates through the Conseil National Consultatif, and benefit from annual surpluses. The company reports own funds at over three times the regulatory minimum, 98.9% customer loyalty, and approximately 5,000 claims processed annually; in 2020 it returned €2.5 million to members to offset Covid-19 losses. Strategic emphasis is on cross-selling value-added covers to the existing base rather than aggressive new-customer acquisition.

Name

Mudetaf

Legal name

Mudetaf

Website

https://mudetaf.com

Company type

Private

Founded year

1985

Operating status

Operating

Headcount range

11–50 employees

Short description

Mudetaf is a French mutual insurance company founded in 1985, 100% dedicated to proximity commerce, serving 16,000+ tobacconists, hotel/restaurant operators, retailers, and individuals with multi-risk professional, health, retirement, and loan insurance products distributed via a nationwide regional delegate network.

Ownership category

akta.pro rank

Product category

Mutual Insurance for Proximity Commerce

NAICS

Insurance Carriers (5241), Direct Insurance (except Life, Health, and Medical) Carriers (52412), Insurance Carriers and Related Activities (524), Other Insurance Funds (52519)

SIC

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

akta.pro primary industry

Mid-Market Commercial Package (Package Policies) (FSAJAFAB)

akta.pro secondary industry

Restaurants, Bars & Food Service BOP (FSAJAFAG)

Keywords

• Mutual insurance
• Multi-risk professional insurance
• Tobacconist insurance
• Hotel restaurant insurance
• Proximity commerce insurance

Headquarters

HQ city

Paris

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, Infrastructure, Others

Revenue model

1. Insurance premiums - Multi-risk professional: Annual insurance premiums for multi-risk professional coverage for buralistes, CHR (café, hotel, restaurant), and other proximity commerce merchants. Pricing is tailored based on risk assessment and coverage needs.
2. Homeowner insurance premiums: Multi-risk homeowner insurance (Multirisque habitation) for policyholders, covering residential properties with optional add-ons for pools, external installations, and new replacement value.
3. Health and provident insurance: Supplementary health insurance and provident (death/disability/income protection) coverage for self-employed professionals and their employees. Also includes daily hospitalization indemnity.
4. Retirement and savings products: Individual PER (Plan Épargne Retraite) and collective PERECO for employees. Partner products through selected financial partners, providing advisory services and commissions.
5. Loan insurance: Credit insurance for real estate and professional loans, leveraging the Lemoine law (2022) for competition. Partners with recognized providers for independent offer selection.

Pricing tiers

Go-to-market motion4 records

Distribution channels4 records

Marketing channels5 records

Core offering

Mudetaf is a French mutual insurance company that provides specialized multi-risk professional insurance, home insurance, supplementary health and provident insurance, retirement savings (PER), and loan insurance primarily to tobacconists (buralistes), hotel/restaurant/café professionals (CHR), and other proximity commerce merchants across France. Founded in 1985 by tobacconists themselves, the company distributes its products through a salaried network of regional delegates and operates exclusive products such as Mudetaf Protection+ for fraud and malveillance and the OREST contract for the CHR sector.

Product overview

Mudetaf is a mutualist insurance company dedicated 100% to proximity commerce since 1985, serving over 16,000 policyholders including tobacconists, hotel/restaurant professionals (CHR/HCR), merchants, and individuals. The company offers a comprehensive portfolio organized around three customer segments: (1) Professional multi-risk insurance for tobacconists featuring the core Multirisque professionnelle buraliste, Mudetaf Protection+ fraud coverage, and specialized tobacco theft protection; (2) Professional multi-risk insurance for CHR featuring the OREST contract, with coverage for terraces, wine cellars, and business interruption; (3) General commerce and individual insurance. Core offerings across all segments include health & provident insurance, pension savings (PER), loan insurance, and home/building insurance. Add-on services include 24/7 psychological support through OPTEVEN, emergency assistance (locksmith, plumber, glazier), hospitalization daily allowances, and referral programs. Mudetaf also supports tobacconist store modernization through its transformation fund incentive program.

Differentiator

Problem solved

Functional benefit

Brands

• Mudetaf Protection+: Exclusive insurance product against fraud and malpractice, including counter fraud, telephone scams, and employee theft, specifically designed for buraliste policyholders.
• OREST

Products and services

• Multirisque professionnelle buraliste (Tobacconist Multi-Risk Professional Insurance) Comprehensive multi-risk professional insurance for French tobacconists (buralistes) covering property damage (fire, water damage, electrical), civil liability, financial loss, and legal protection, with tobacco-specific coverage including 50% increased tobacco theft coverage from delivery.
• Mudetaf Protection+ (Fraud and Malveillance Insurance) Exclusive insurance against fraud and malveillance for tobacconists covering phone scams, counter fraud, employee theft, and malicious client acts, with up to €30,000 coverage for phone fraud and up to €50,000 for employee malveillance.
• OREST - Multirisque professionnelle HCR (Hotel/Restaurant Multi-Risk Professional Insurance) Customized multi-risk professional insurance for hotels, restaurants, brasseries, and cafés covering property damage, business interruption from day 1, terrace coverage, wine cellar protection, and civil liability; recognized by the hotel-restaurant profession.
• Multirisque professionnelle commerçant (Merchant Multi-Risk Professional Insurance) Multi-risk professional insurance for cafés, bars, press shops, and general proximity retailers covering property damage and civil liability.
• Multirisque habitation & immeuble (Home and Building Multi-Risk Insurance) Multi-risk home and building insurance for policyholders across the buraliste, CHR, and merchant segments, covering fire, water damage, electrical damage, natural disasters, theft, and legal protection, available for both tenants and property owners.
• Complémentaire santé & prévoyance (Supplementary Health and Provident Insurance) Supplementary health and provident insurance offering better medical expense coverage, income protection, and financial guarantees in case of work stoppage, disability, or death, for self-employed professionals and their employees across the buraliste, CHR, and merchant segments.
• Épargne et retraite / PER (Retirement and Savings Products) Individual pension savings plan (PER) for self-employed professionals and collective PERECO for employees, allowing retirement preparation with tax advantages, flexible withdrawal options (capital, annuity, or mixed), and personalized savings, distributed through partner Monceau Assurances.
• Assurance de prêt (Loan Insurance) Loan insurance for real estate or professional projects, enabling policyholders to delegate insurance from their bank with better rates and guarantees adapted to their profile under the 2022 Lemoine Law.
• Soutien psychologique 24/7 (Psychological Support Service) 24/7 psychological support hotline offering up to 12 hours of psychological consultation sessions for traumatic events including aggression, accidents, or serious illness, delivered through partner OPTEVEN.
• Assistance habitation & local professionnel 24/7 (Emergency Home and Business Assistance) 24/7 emergency assistance services including locksmith, glazier, plumber, security guard, and temporary relocation support, handled by partner OPTEVEN.
• Garantie indemnités journalières hospitalisation (Daily Hospitalization Allowance) Daily hospitalization allowance providing €25 per day of hospitalization (from day 1 for accidents, day 4 for illness, day 8 for maternity) up to 365 days per hospitalization, for €15 annual subscription (€1.25/month).
• Assurance habitation particulier (Individual Home Insurance) Home insurance for individuals covering property damage, third-party liability, and multi-risk building insurance for rented properties, including assistance services and psychological support.

Quantifiable outcome

• 98.9% customer loyalty rate
• +3 more outcomes

Named customers2 records

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

13 partnerships are on record, tiered core, flagship, major and partner.

• La Maison des BuralistescoreStrategic or Co-development PartnerParent organization grouping all structures dedicated to the tobacconist profession: Confédération, EDC, Formation buralistes, Buralgestion, Coopérative des buralistes, and Mudetaf. Mudetaf is an integral part of this ecosystem.
• Confédération des BuralistescoreStrategic or Co-development PartnerThe main professional federation representing French tobacconists. Mudetaf was created by this profession and maintains close governance ties. Joint participation in general assemblies and events.
• Association Française des Maîtres Restaurateurs (AFMR)flagshipGTM or Marketing PartnerMudetaf has been the official insurer partner of AFMR since 2018. The association represents master restaurateurs committed to culinary quality. Joint marketing and endorsement.
• Union des Métiers et des Industries de l'Hôtellerie (UMIH)majorGTM or Marketing PartnerThe leading professional organization for hotels, restaurants, and cafes in France. Mudetaf participates in UMIH events and general assemblies at department level.
• OPTEVENcoreImplementation/ SI/ Consulting PartnerProvides 24/7 assistance services including locksmith, glazier, plumber, and security services. Also provides psychological support hotline and assistance for claim management.
• CIVIScoreImplementation/ SI/ Consulting PartnerMajor legal protection service provider managing Mudetaf's legal protection portfolio for policyholders. Handles legal disputes and provides legal information.
• AlptispartnerChannel Partner/ Reseller/ DistributorHealth and provident insurance partner offering supplementary health coverage for individuals and professionals, distributed through Mudetaf.
• AprilpartnerChannel Partner/ Reseller/ DistributorHealth insurance partner providing supplementary health coverage options offered to Mudetaf sociétaires.
• Monceau AssurancespartnerChannel Partner/ Reseller/ DistributorRetirement savings and épargne partner offering PER products through Mudetaf for members' retirement planning.
• LogistapartnerGTM or Marketing PartnerTobacco and press distribution partner for buralistes. Mentioned in Mudetaf's professional partner ecosystem.
• Française des Jeux (FDJ)partnerGTM or Marketing PartnerLottery operator partner for buralistes who distribute FDJ products. Part of Mudetaf's professional network.
• PMUpartnerGTM or Marketing PartnerHorse racing betting partner for buralistes who offer PMU services. Part of the professional partner ecosystem.
• ROAMpartnerGTM or Marketing PartnerProfessional association (Réseau des Organisations Artisanosn Mutuelles) that Mudetaf is a member of for mutual insurance sector representation.

Scale indicators9 records

Recent moves9 records

Expansion highlights6 records

Broad incumbents

• MACIF: Major French mutual insurer providing property, casualty, health, and provident insurance to individuals and professionals. Like Mudetaf, MACIF operates on a mutual governance model and targets professional/small business segments with multi-risk packages.
• AXA France: France's largest insurer offering comprehensive commercial multi-risk, health, and specialty coverage for SMBs across all sectors. Competes with Mudetaf for hospitality and small retail business with much larger product breadth and technology investments.
• MAIF: Major French mutual insurer with a strong mutualist identity similar to Mudetaf's. Provides home, auto, and professional liability insurance to individuals and small businesses, with comparable mutual governance and member-centric philosophy.
• Groupama: France's largest mutual insurer serving farmers, professionals, and SMBs with multi-risk property and casualty coverage. Groupama operates broadly across French commercial insurance with significant overlap to Mudetaf's professional SMB segment, but serves many more verticals at much greater scale.
• Covéa (MAAF, MMA, GMF): Mutual insurance group combining MAAF, MMA, and GMF brands serving millions of French individuals, professionals, and SMBs with property, casualty, and health products. Overlaps Mudetaf in commercial multi-risk and SMB coverage but at vastly larger scale and broader scope.
• Crédit Mutuel Assurances: Insurance arm of Crédit Mutuel banking group offering property, casualty, and professional insurance to SMBs and merchants across France. Competes with Mudetaf for small commercial accounts through bank-bundled distribution.

Direct peers

• SMACL Assurances: French mutual insurer specializing in coverage for local authorities, public agents, and small professional structures. Closest analog to Mudetaf in terms of niche specialization, mutual structure, and proximity-to-member service model for a defined professional community.

Others

• Alptis: French mutual insurer and insurance broker specializing in supplementary health and provident coverage for individuals, professionals, and SMBs. Direct partner of Mudetaf for health distribution, with overlapping customer base of independent workers.
• Monceau Assurances: French mutual insurer specializing in retirement savings and life insurance for individuals and professionals. Partner of Mudetaf for retirement/PER product distribution, with comparable mutualist structure and focus on independent professionals.
• April Group: French insurance intermediary and broker specializing in health, provident, and loan insurance for professionals and SMBs. Comparable distribution model to Mudetaf's partner-dependent approach and overlapping product categories (health, loan insurance).

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/mudetaf
• LinkedInlinkedin.com/company/mudetaf

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles11 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 Mudetaf