Euromaf

What Euromaf does

Euromaf (legal name: EUROMAF, Verzekering van de Europese Ingenieurs en Architecten) is a Belgian insurance company that provides professional liability, legal protection, and construction all-risk insurance exclusively to architects, engineers, surveyors, safety-health coordinators, and other construction design professionals. It operates as the Belgian and Luxembourg arm of the French MAF Group (Mutuelle des Architectes Français), which was founded by architects over 85 years ago and is the largest European mutual insurer of construction designers. The Belgian entity was established in 2000 through a partnership with Spain's ASEMAS and operates a Brussels office that handles production (underwriting/quotes), annual activity declarations, and claims management.

The company's product portfolio centers on three lines: Responsabilité Civile (mandatory professional civil liability, sold as either an annual subscription policy or a single-project policy tied to declared mission values), Protection Juridique (optional legal defense coverage up to EUR 50,000 per claim), and Tous Risques Chantier (material damage coverage for active construction sites). The Archie sub-brand packages reduced-minimum-premium contracts, assistance, and legislative guidance specifically for trainee and early-career architects. Underlying technology is conventional insurance administration with no public APIs, SDKs, or digital distribution platform; customer engagement runs through a dedicated Brussels office, industry association partnerships (notably the Orde van Architecten), and recurring educational workshops.

The business model is subscription-recurring premium income with annual billing cycles and final premium true-up based on actual mission values, supplemented by single-project premiums and ancillary add-on products. Demand is structurally reinforced by Belgian legislation (Loi Peeters-Borsus 2017 and Loi Ducarme 2019) that makes professional and decennial liability insurance mandatory for construction designers. Distribution is direct sales from the Brussels office with relationship management across Belgian regions, Luxembourg, and selected cross-border territories. EUROMAF is a wholly-owned subsidiary of MAF; the parent group has approximately 245 employees and is governed by a board of 12 practicing architects.

Name

Euromaf

Legal name

EUROMAF, Verzekering van de Europese Ingenieurs en Architecten

Website

https://euromaf.be

Company type

Private

Founded year

2000

Operating status

Operating

Headcount range

1–10 employees

Short description

Belgian subsidiary of French MAF Group providing mandatory professional liability, legal protection, and construction all-risk insurance to architects, engineers, and construction design professionals in Belgium and Luxembourg.

Ownership category

akta.pro rank

Product category

Specialty Insurance for Construction Design Professionals

NAICS

Insurance Agencies and Brokerages (524210), Agencies, Brokerages, and Other Insurance Related Activities (5242), Other Insurance Related Activities (52429)

SIC

Fire, Marine & Casualty Insurance (6331), Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Contractors BOP / Artisan Package (FSAJAFAD)

akta.pro secondary industry

Commercial Property Insurance (FSAJACAE)

Keywords

• Professional liability insurance
• Construction risk insurance
• Legal protection insurance
• Architect insurance services
• Construction designer coverage

Headquarters

HQ city

Paris

HQ country

France

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Professional Liability Insurance (RC Professionnelle): Subscription-based civil liability insurance for architects and construction professionals. Policyholders pay annual premiums based on declared mission values, with provisional premiums adjusted based on actual work performed during the year.
2. Legal Protection Insurance (Protection Juridique): Optional supplementary insurance covering legal costs for disputes beyond those covered by professional liability policies. Provides coverage up to 50,000 EUR per claim for civil defense, criminal defense, and professional rights disputes.
3. All Construction Risks Insurance (Tous Risques Chantier): Insurance policy covering material damage during construction projects, calculated based on total construction costs including architect fees. Protects all construction partners including architects, engineers, and safety coordinators.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels2 records

Core offering

EUROMAF Belgique sells specialty insurance policies to architects, engineers, surveyors and safety-health coordinators in Belgium and Luxembourg. Its core products are professional civil liability (Responsabilité Civile), optional legal protection (Protection Juridique) and all construction risks cover (Tous Risques Chantier), supplemented by the Archie sub-brand offering tailored contracts and assistance for trainee and early-career architects.

Product overview

Euromaf is an insurance company specializing in professional liability and construction risk insurance for architects and building designers. The core offering consists of civil liability insurance (Responsabilité Civile) available as subscription (Abonnement) or single site (Chantier Unique) policies. Complementary products include legal protection insurance (Protection Juridique) and all construction risks coverage (Tous Risques Chantier). The Archie sub-brand specifically targets trainee and early-career architects with tailored contracts and assistance services.

Differentiator

Problem solved

Functional benefit

Brands

• Archie: A product sub-brand specifically designed for trainee architects or architects at the beginning of their career. Archie offers specialized contracts, assistance, and legislation information tailored to young professionals in architecture.

Products and services

• Responsabilité Civile (Professional Civil Liability Insurance) Professional civil liability insurance for architects and construction designers, covering damages caused to third parties due to faults in the exercise of their professional mission. Mandatory under Belgian law (Loi Peeters-Borsus and Loi Ducarme) and sold as annual subscription policies sized to declared mission values.
• Protection Juridique (Legal Protection Insurance) Optional and supplementary legal protection insurance covering legal costs for disputes other than those covered by professional liability insurance, including civil defense, criminal defense and professional rights disputes, with coverage up to €50,000 per claim and a €250 deductible. Targeted at architects, engineers and other construction design professionals.
• Tous Risques Chantier (All Construction Risks Insurance) All Construction Risks insurance policy covering material damage to ongoing construction works regardless of cause during the construction period. Premium is calculated based on total construction costs including architect fees, and protects all construction partners including architects, engineers and safety coordinators.
• Abonnement (Subscription RC Policy) Subscription-based professional civil liability policy where policyholders pay a provisional premium annually and a final premium calculated based on the value of construction missions actually performed. Targeted at architects and design professionals with recurring activity.
• Chantier Unique (Single-Project RC Policy) One-time professional civil liability policy for a specific construction project, advantageous for architects executing only one or two assignments or working on large projects involving other designers.
• Archie (Sub-brand for Young Architects) Specialized insurance offering under the Archie sub-brand for trainee and early-career architects, bundling tailored Abonnement and Chantier Unique contracts, assistance services and legislation information, and offering reduced minimum premiums to ease entry into practice.

Named customers4 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

Three partnerships are on record, tiered core and minor.

• MAF (Mutuelle des Architectes Français)coreStrategic or Co-development PartnerParent company of EUROMAF. MAF is the first French mutual insurance company for construction designers, founded over 85 years ago. EUROMAF is a subsidiary operating in Belgium and Luxembourg.
• ASEMAS (Spain)minorStrategic or Co-development PartnerSpanish partner insurance company, alongside MAF, that contributed to the founding of EUROMAF in 2000 as European insurance companies established by and for architects.
• Orde van Architecten (Order of Architects, Belgium)minorChannel Partner/ Reseller/ DistributorBelgian professional organization for architects with which EUROMAF maintains a linked relationship, providing insurance services to member architects.

Scale indicators4 records

Recent moves10 records

Expansion highlights5 records

Broad incumbents

• Allianz Belgium: Major generalist insurer active in Belgium offering professional liability and commercial insurance lines for SMEs including design professionals. Competes broadly in the same Belgian commercial insurance market.
• Federale Verzekering: Belgian cooperative insurer offering commercial, professional liability, and construction insurance. Competes in the same Belgian professional insurance market for design firms and construction professionals.
• AXA Belgium: Large Belgian insurer offering commercial liability, professional indemnity, and property insurance including for construction professionals. Provides broader portfolio products that overlap with Euromaf's offerings but without the architect-specialist focus.
• Baloise Belgium: Major Belgian-headquartered insurer offering commercial and professional liability products for SMEs and design professionals. A relevant broad incumbent in the Belgian commercial insurance market.
• Zurich Insurance Belgium: Global insurer with Belgian operations providing professional indemnity and construction-related insurance products. Targets similar commercial customers including design firms and construction professionals.
• Chubb European Group (Belgium): Global specialty insurer offering professional indemnity, construction, and commercial liability products for professionals and design firms across Europe, including Belgium.

Emerging players

• Hiscox Belgium: Specialty insurer focused on professional liability and niche commercial risks. Actively targets design professionals, consultants, and architects across European markets including Belgium.

Direct peers

• ASEMAS: Spanish mutual insurer co-founding partner of EUROMAF in 2000. Specializes in professional liability insurance for Spanish architects and construction professionals under the same mutual-by-architects-for-architects model.
• SMA BTP (Société Mutuelle d'Assurance du Bâtiment et des Travaux Publics): French mutual insurer providing professional liability and construction risk insurance for construction professionals and design firms. Operates an analogous mutual model and overlapping customer base of architects and engineers.
• MAF (Mutuelle des Architectes Français): Parent company and the originating mutual insurer for architects in France. Serves the same professional segment (construction designers) with the same core product set (RC Professionnelle, Protection Juridique, Tous Risques Chantier) — directly comparable in product, customer base, and mutual governance model.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/euromaf

Revenue estimate

Valuation estimate

Number of profiles

Profiles9 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 Euromaf