Covéa and disability

Supporting people with disabilities, helping them regain their autonomy, and maintaining their employability, are actions that are central to the activity and values of a mutual insurance group. As a disability-friendly company, Covéa is committed to its policyholders, its employees, and society at large, with foundations and mutual aid funds supported by its MAAF, MMA and GMF brands.

The Covéa Disability Mission

As a signatory to the Manifesto for the inclusion of disabled people in economic life, Covéa is a committed equal opportunities employer.

The Group’s commitment to helping people with disabilities integrate and retain their jobs is supported by all the company’s stakeholders and is coordinated by the Covéa Disability Mission, which ensures that our disability policy is applied on a daily basis.

This policy is set out in a three-year Disability Agreement, which was renewed in January 2021 and has been approved by the DREETS (formerly the DIRECCTE).

A Disability Agreement focusing on five main areas

On 28 January 2021, Covéa signed a second Disability Agreement for a period of three years. This agreement focuses on five main areas:

  • A plan for to help employees with disabilities integrate and retain their jobs;
  • A recruitment and inclusion plan, with a target to recruit 150 people over three years, including at least 30 permanent employees, 40 work-study employees and 25 interns;
  • An adaptation and training plan particularly aimed at training the managers of disabled employees;
  • A communication and awareness plan for all our employees;
  • A societal commitment plan including, for example, initiatives aimed at family carers and the issue of digital accessibility.
  • Recruitment of all talents

    At Covéa, all recruitment takes place on an equal skills basis and all our job offers (whether on permanent, temporary or work-study contracts or internships) are open to people with disabilities.

  • Maintaining employment

    The Covéa Disability Mission provides daily support for all our employees with disabilities, for example with workstation adaptations.

  • Training employees

    Our disabled employees have priority access to training. Dedicated training is also provided to their managers and HR contacts.

  • A network of committed employees

    68 committed employees organise awareness initiatives aimed at all employees, and are the points of contact of the Covéa Disability Mission in the regions.


Employment rate
of disabled workers
at Covéa as at
31 December 2022.


Disabled employees
worked at Covéa as
at 31 December 2022.

Video: Committed to our employees (French version)

Our foundations and partnerships

The actions of Covéa and its brands MAAF, MMA and GMF to support people with disabilities are carried out by dedicated foundations and a number of proactive partnerships:

  • Fondation MAAF Initiatives et Handicap: created in 1998, this foundation aims to support and finance innovative projects to improve the daily lives of people with disabilities. Since 2019, it has focused its actions on the subject of the advancing age of people with disabilities.
  • Fondation MMA Solidarité: created in 1983 under the aegis of the Fondation de France, this foundation has supported more than 2,000 projects that have helped nearly 20,000 people with disabilities.
  • GMF Solidarité: created more than 40 years ago, the GMF Solidarity Mutual Aid Fund aims to help members and their families who are going through difficult times. GMF Solidarité particularly supports disabled people and the care of the elderly. Its field of intervention extends to financing prevention or research initiatives in the interest of its clients.
  • Les parcs nationaux de France : initiated more than 10 years ago, the partnership between the national parks of France and GMF prioritises access to and knowledge of nature for everyone, and especially for people with disabilities.
  • Clinatec : Covéa has been involved for several years with the Clinatec research centre, which uses micro-nanotechnologies and electronics to better prevent and treat neurodegenerative diseases and severe motor disabilities.