MMA and Covéa renew their partnership with the Institut du Risque et de l'Assurance (IRA) for three more years

Le Mans, July 2, 2025 - Faced with the emergence of new insurance risks, MMA and Covéa are continuing their commitment to actuarial research by renewing their partnership with the IRA and the Risk Foundation for the period 2025—2028, as part of the research initiative “Emerging or atypical risks in insurance”.

This signature opens a new sequence of a partnership initiated in 2018, and reaffirmed in 2021, between the Fondation du Risque, Le Mans University, via the IRA, and the Covéa group. The objective is to continue the work carried out by the research initiative “Emerging or atypical risks in insurance”, under the scientific responsibility of Alexandre Brouste, professor of mathematics at Le Mans University, and Anis Matoussi, director of the IRA.

François Féquent, Marketing, Communication and Innovation Director at MMA and member of the research initiative's steering committee, says: “This long-term partnership with the Risk & Insurance Institute and the Risk Foundation embodies the Covéa group's commitment to academic research as a lever for adapting to constantly evolving insurance risks.”

A research initiative to support changes in insurance risks

The emergence of certain risks and their atypical nature force insurers to quickly adapt their actuarial techniques to take into account changes in society and insurable matters, but also in case law and law. This is in order to always be as close as possible to the needs of insured customers.

In this sense, the research initiative led by the IRA aims to advance research on the assessment of emerging or atypical insurance risks, in particular through:

· The publication ofscientific studies in actuarial matters;

· The development of innovative digital tools to model new risks;

· The training of employees in the sector in new actuarial techniques.

A place for transmitting knowledge and for opening up to the public

Beyond academic research, the initiative aims to become a space for exchanges, communication and the dissemination of knowledge. As such, scientific seminars open to all will be organized, involving:

· Academics, researchers, teacher-researchers;

· Associate professors, doctoral students and post-doctoral fellows;

· Regulator representatives;

· Professionals and experts in the insurance world;

· And general public.

An example of emerging risk: climate

The research initiative focuses on modeling insurance risks that are new or difficult to assess because they are subject to high uncertainty. A concrete example: climate risks and the difficulty in anticipating extreme events that lead to serious claims in home insurance (HRM).

Benjamin Poudret, Director of Climatic and Major Perils at Covéa's Property and Casualty Department, concludes:

“Climate issues will be at the heart of the research initiative projects for the period 2025-2028. The objective is to develop actuarial methodologies in order to better take into account the uncertainty associated with climate events and to better anticipate claims, especially in homes. This is a key challenge in building the insurance of tomorrow.”

To go further...

What is What is a research initiative?

Research initiatives are inter-institutional research projects that contribute to the aggregation of strengths around high-level scientific and technological issues and are developed in conjunction with existing projects. They make it possible to multiply knowledge and know-how.

About MMA

A multi-specialist insurer, MMA supports businesses, professionals and individuals through a network of agents, brokers and partners. Every day, 3 million policyholders trust MMA to protect their family, business, property and projects. With 1,600 branches in the territories, MMA offers its customers proximity, attentiveness and a sense of service.

https://www.mma.fr/

About the IRA

The IRA brings together the research, training and innovation activities of Le Mans University in the fields of risk, insurance, finance, data science and health insurance. In these areas, the IRA exercises educational skills, aimed at Master and Doctorate students (more than 350 students and 40 professional speakers), research skills (more than 50 researchers) and skills in terms of innovation and the valorization of research.

http://ira.univ-lemans.fr

About the Risk Foundation

The Risk Foundation (FdR), recognized as being of public utility, was created in 2007 in order to contribute to the long-term development of the potential of French research in all areas of risk. The foundation is a component member of the Louis Bachelier network (composed of the Louis Bachelier Institute, the Risk Foundation and the Europlace Finance Institute), 1^Er European partnership research network in economics and finance. The Louis Bachelier network engages 400 academics, public authorities and a hundred private companies in 70 partnership-based research projects.

https://www.institutlouisbachelier.org/nous-sommes/au-sujet-de-la-fondation-du-risque

Press contact — ADVOCACIZ

Shanez Richert — +33 (6) 10 50 44 44 — shanez.richert@advocaciz.com

Ambre Fourneau — +33 (6) 44 39 89 25 — ambre.fourneau@advocaciz.com

Alexandra Richert — +33 (6) 08 77 86 22 — alexandra.richert@advocaciz.com

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