Our values

The strength of the mutualist model

Mutualism works according to a simple principle: one person = one vote.

Elected members, who are both customers and accountable for the economic performance, participate in all of the Group’s decision-making bodies. This shareholder-free, non-profit model has been our strength for over a century. Alongside proximity, responsibility and solidarity – principles common to all mutualist systems – we have added a key concept: performance based on a vision of sustainability.

Powerful territorial roots

  • Our decision-making bodies come from a democratic system that ensures the proximity and representativeness of our members
  • 26,000 elected members represent our 2,600 local Mutuals. They are all volunteers and act as relays between customers and the Group.

Close to our customers, we are capable of building close relations with them and meeting their expectations under the best conditions.

Learn more about local and regional mutuals

Spirit of solidarity

Solidarity, both financial and human, has been part of the Group’s DNA from the start and is expressed by strong commitments on several levels:

  • sponsorship and prevention operations and regional or sport partnerships;
  • an internal reinsurance system to spread risk and optimise costs;
  • screening of risks and mobilisation of networks in the event of natural disasters.

Learn more about the Group’s commitments

Shared responsibility

Through its decentralised structure, the Groupama Group is able to give a sense of responsibility to everyone involved:

  • at the local level, with elected representatives who approve the accounts and make comments and suggestions at general meetings;
  • at the regional and national levels: major decisions are first considered collectively in general meetings, board meetings, committees and working groups, etc.;
  • though a collective commitment to economic and social performance.

Our socially generous model is reflected in a constant search to be useful to society and associated with each of our actions.

See also