Construction insurance: dedicated coverage for your business and construction projects

The construction and civil engineering market – encompassing major infrastructure projects, private residences, public and commercial buildings – makes up a large proportion of the French economy, despite the decline in new construction projects begun since 2022 (November 2024: down 22% relative to 2022) and the number of construction companies collapsing at its highest since the 2008 financial crisis.

Against this backdrop, it is understandable that you are looking for a reliable, trustworthy and stable insurance partner able to support you over the long term, providing flexible solutions and tailored packages. To better meet these expectations, MMA is ramping up its in-depth qualitative risk analysis, backed up by an enhanced underwriting policy and a more targeted approach focusing on high value projects.

Insuring your business

We protect your business by providing the essential coverage a construction company needs in a single policy:

• 10-year liability insurance for damages that may affect the building’s integrity or make it unfit for purpose;
• Business liability insurance for damages caused to your employees, clients or any other natural or legal person;
• Insurance for damages to works and equipment prior to handover;
• Non-structural works warranty;
• Legal protection to help in the event of a legal dispute, etc.

An adaptable and flexible policy

To fit in fully with what you need in terms of construction insurance, you can also select from specific packages and additional cover in order to benefit from tailor-made solutions that reflect the essential warranties needed in the construction market:

• Cover for damages that occur after handover and before 10-year liability insurance begins;
• Energy and environmental performance guarantee;
• Professional equipment operational warranty;
• Construction site theft cover. 

Insuring your construction projects as project owner

Our insurance solutions also cover site risks to enable you to meet all your insurance obligations as project owner:

• Structural damage warranty;
• 10-year liability insurance for the party not carrying out the construction work; 

As well as optional cover to protect the project owner and companies involved during construction works:

• Construction project all risks insurance;
• Project owner third-party liability.

A team of building experts on hand to help

Our aim is to pool our strengths as part of a long-term partnership with you. To ensure high service standards, all our risk analysis experts are building industry professionals, lawyers and engineers. They work in partnership with your insurance intermediaries to establish the best insurance coverage for you. Drawing on their risk expertise, they are able to anticipate your needs, as well as changes in the market. We also offer access to our claims handling teams specialising in construction. This means we can guarantee that your claims are tracked over the long term.

Our strength: A dynamic and evolving insurance offering that takes account of market developments, both regulatory and technical.

MMA plays a key role in the construction and civil engineering market, providing tailored insurance solutions that combine technical expertise and profitability, in order to build a lasting relationship with industry professionals.