Disability, a matter for all

Hiring people with disabilities on a long-term basis and keeping them in employment is a central tenet of Covéa’s HR policy. The Group currently has around 1,000 disabled employees.

Disability Agreement

On 12 January 2018, Covéa drew up a disability agreement approved by France’s Direccte body, which comprises the Regional Directorates of Companies, Competition, Consumption, Labour and Employment. Signed for three years, this agreement demonstrates the Group’s commitment to hiring and keeping in employment people with disabilities.

The agreement is structured around five major areas:


  • Hiring and keeping in employment people with disabilities;
  • Recruiting and integrating 120 new employees by 2020 (including a minimum of 30 on permanent contracts);
  • A tailored training plan;
  • Awareness-raising and communication through a disability network, with initiatives to be developed involving Group employees;
  • Collaboration with the sheltered and adapted employment sector.


Covéa’s Disability Project translates this policy into actions.

Disability Project

The Disability Project is a dedicated team that works closely with all the company’s stakeholders: HR, business lines and operational managers, occupational health centre, social partners and purchasing department. Its scope of action is extensive, being structured around four main roles.


    At Covéa, all recruitment is carried out on a same qualifications basis. We actively apply inclusion measures and, as a disability-friendly company, all our job offers, whether fixed-term, permanent, work-study or internship, are explicitly open to people with disabilities.

    Covéa’s Disability Project is also actively involved in specialised forums for the recruitment of people with disabilities. It posts on jobs boards too and, through the Disability Insurance Project, regularly works with Fédération Française de l’Assurance, the French Federation of Insurance Companies, to promote employment for people with disabilities through the resumption or continuation of work-study programmes.

    In 2017, Covéa hired 7 people on permanent contracts and 26 on fixed-term contracts. Its employment rate of people with disabilities was 4.27% in 2018, as in the previous year.


    The Project actively assists employees with disabilities and helps them to remain in employment, through adjustments at both workstation and organisational level. It is assisted in this support by a network of internal partners (workplace accident prevention and health services, real estate, IT and purchasing departments, etc.) and external advisors (Sameth, ergonomics specialists, Agefiph, Direccte). The Disability Project currently supports nearly 1,000 disabled employees within the Covéa group.


    A major challenge for the Covéa group is ensuring that all employees with disabilities have access to training and professional development opportunities, regardless of their situation, and that disabled people continue to be employable. Accordingly, the Group gives them priority access to training.

    In addition, all other employees involved in the employment of people with disabilities benefit from special training (managers, HR staff, etc.).


    The Group uses companies from the sheltered and adapted employment sector, which employs disabled people – or those temporarily or permanently excluded from traditional companies – in a professional activity adjusted according to their needs and abilities. This sector accounts for 8.5% of Covéa’s disabled people’s employment rate.

Our partnerships and foundations

  • Tous HanScène contest

    For the second year running in 2018, Covéa partnered the « Tous HanScène® » student disability video contest, organised by the association TREMPLIN Etudes-Handicap-Entreprises. This competition involved small groups of students, with or without disabilities, coming together to produce a 2-3 minute film on the theme of disability, from one of seven suggested points of view.

    Through this association, which is run by the Disability Project, the Group seeks to change views on disability in the higher education sphere as well as within the company.

  • MAAF Assurances Foundation

    The purpose of Fondation MAAF Assurances, which was created in 1998, is to support and finance innovative projects to improve the daily lives of people with disabilities. Through its actions, MAAF shows that the insurance business can take a proactive approach to disability.

    The foundation has supported 70 projects since its inception, participating in disability communication and awareness initiatives, helping finance medical studies and research and contributing to the development of equipment prototypes and cultural and integration initiatives.

  • MMA Solidarité Foundation

    Since its creation in 1983 under the aegis of Fondation de France, the stated aim of Fondation  MMA Solidarité is: “In MMA’s area of activity, allocating assistance to non-profit programmes or organisations that put in place public interest projects designed to promote the competencies, well-being, fulfilment and social inclusion of people with disabilities and, as a priority, young victims of accidents.” It only grants subsidies to non-profit associations or bodies, and therefore excludes direct support to individuals.

    Over the last 35 years, Fondation MMA Solidarité has supported more than 2,000 projects that have helped nearly 20,000 people with disabilities. Between July 2017 and June 2018, it contributed to 78 new projects.


    Through its partnership with UNAPEIGMF supports and encourages initiatives carried out by member associations (accessibility of public places, schooling, work assistance, etc.), organises road risk awareness initiatives and creates tailor-made policies at preferential rates for employees and member families.

  • GMF Solidarité Assistance Funds

    Created more than 40 years ago, the Fonds d’Entraide GMF Solidarité is designed to help members and their families in difficult situations. In particular, GMF Solidarité assists with disabilities and care for the elderly. It broadens its scope of action by financing preventive or research initiatives in the interest of its customers.

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