Complementary brands and multiple areas of expertise

MAAF, the customer’s choice

A mutual insurer with its own distribution network, offering comprehensive solutions for individuals and small businesses.

MAAF remains the historical insurer of the artisan world, although it now offers services to all sections of the public, in all areas of insurance: property, professional risks, savings and life insurance, health and pensions, credit, assistance.

All about MAAF

MMA, the facilitating insurer

A mutual insurer with a third-partyoperated distribution network providing cover for individuals, small and large businesses, non-profit organisations and local authorities.

As the second largest insurer of professionals and businesses, MMA offers a comprehensive and personalised range of insurance products: professional risks, business risks, property, savings and life insurance, health and pensions, financial services.

All about MMA

GMF, assuredly human

A mutual insurer with its own distribution network and a leading provider for French public sector employees, offering cover for individuals.

It shares with civil servants common values of solidarity and responsibility, and supports them in their personal and professional lives, providing personal and property insurance, savings and life insurance, health and pension provision, assistance, legal protection solutions, etc.

All about GMF

PartnerRe: Reinsurance Partners

A leading franchise in reinsurance, PartnerRe has a strong presence in North America, Europe and the Asia-Pacific region and a broadly diversified portfolio.

Largely helping to make Covéa the world’s 10th-largest reinsurer, PartnerRe gives the Group additional expertise and an international outlook on the rise in major risks.

All about PartnerRe

« Our activities mean that we play a central role in society and it is our intention to continue with our efforts to meet the expectations of our members and customers in terms of protection and security. Our various brands aim to offer the best response to the needs of individuals, small business owners and companies. »

Stéphane Duroule, Directeur général Assurances France de Covéa
Stéphane Duroule
Chief Insurance Officer France and Chief Executive Officer of Covéa Coopérations

Through its brands, Covéa covers almost one out of three French household

From solutions for individuals, professionals and businesses to reinsurance, the Group controls the entire insurance value chain.

11.4 million
Customers and members in France

4.1 million

Vehicles insured by MAAF

No. 2

MMA, 2nd largest insurer of professionals and businesses


GMF's customer relations centers are all based in France

Points of sale

Our brands MAAF, MMA and GMF cover all of France.

Gross earned premiums

It's the part of reinsurance, driven by our brand PartnerRe, in the Group's activities in 2023.

Our specialist structures

Covéa Immobilier


As a recognised player in its business sector, Covéa Immobilier makes real estate work for insurance, combining enhancement of assets with environmental commitment.

All about Covéa Immobilier

Covéa Finance


Covéa Finance, the Group’s investment management company, pursues long-term performance and puts risk management at the heart of everything it does.

All about Covéa Finance

Covéa Affinity


Covéa Affinity is the Group’s structure dedicated to affinity insurance partnerships. It has been a reference on the market for nearly 40 years.

All about Covéa Affinity

Fidélia Assistance


Fidélia, the Group’s assistance company, servs all Covéa customers and members 24 hours a day and provide effective solutions.

All about Fidélia Assistance

Covéa Protection Juridique


Covéa Protection Juridique is the Group’s legal protection company, and a leader on the personal and professional market.

All about Covéa Protection Juridique

Le Finistère Assurance

Based in Quimper in Brittany for more than 140 years, Le Finistère Assurance offers multiple contracts: home insurance, boat insurance, multi-risk insurance for farmers, professionals and associations, etc.

All about Le Finistère Assurance


SMI is a mutual insurance company specialising in collective personal insurance. It offers a wide range of cover in terms of health, protection, savings, retirement and dependency.

All about SMI


APGIS is a joint pension institution. Approved under the French Social Security Code, it handles and manages the social protection of companies and employees in terms of health and protection.

All about Apgis

A mutual insurer by your side for the future

Our aim is to ensure sustainable growth for all our stakeholders and for society as a whole.