Lyon, France – The APICIL Group and TERRITORIA Mutuelle have officially announced the establishment of TERRITORIA Prévoyance, a new insurance company specifically designed for the French territorial public service market. This initiative, unveiled yesterday, January 6, 2026, marks a significant step in adapting to the new regulatory framework for complementary social protection.
A Strategic Response to Evolving Regulations
The creation of TERRITORIA Prévoyance is a direct response to the law of December 11, 2025, concerning complementary social protection, which stems from the collective agreement of July 11, 2023. This legislation mandates the implementation of complementary social protection (PSC) within the territorial public service. Consequently, local authorities and their public establishments are now required to offer collective complementary social protection contracts to their agents, particularly for risks related to incapacity, invalidity, and death. These contracts are compulsory for eligible agents and must be financed by the employer for at least 50% of the cost.
New Entity with APICIL as Majority Shareholder
TERRITORIA Prévoyance is an insurance company exclusively focused on the territorial market. Its capital structure is as follows: APICIL Prévoyance holds 87%, APICIL Mutuelle 5%, and TERRITORIA Mutuelle 8%. This new entity is now integrated into the larger APICIL Group.
Since 2023, TERRITORIA Mutuelle, based in Niort and providing protection to over 196,325 individuals across 7,400 local authorities, has been collaborating with the APICIL Group, which serves 1.9 million insured members. This partnership aims to enhance their development capabilities for territorial agents, with the formation of TERRITORIA Prévoyance representing a new milestone in this ongoing cooperation.
Continuity for Insured Members and Local Presence Maintained
TERRITORIA Prévoyance will assume all contracts previously held by TERRITORIA Mutuelle and will oversee the future development of solidarity-based complementary health and provident solutions. The transition is designed to be seamless for insured members, requiring no action on their part and ensuring uninterrupted service.
The new structure is dedicated to the distribution, underwriting, and management of provident and health contracts. While its headquarters are located in Lyon, its main establishment will remain in Niort, ensuring continued local support for local authorities.
TERRITORIA Mutuelle Shifts Focus to Prevention and Social Support
With this strategic evolution, TERRITORIA Mutuelle will transform into a mutual organization operating under Book III of the French Mutual Code. Its primary focus will now be on social missions aimed at serving local authorities and their agents. This includes:
- Strengthening primary prevention actions.
- Deploying health promotion programs.
- Improving the quality of working life within local authorities.
- Providing sustained support to territorial agents.
Insured members of TERRITORIA Prévoyance will also benefit from free access to the prevention services and programs offered by TERRITORIA Mutuelle.
A Model Integrating Protection, Prevention, and Financial Stability
According to the APICIL Group, this organizational structure is designed to combine TERRITORIA Mutuelle’s in-depth local knowledge with the financial strength and technical capabilities of a major social protection provider. The stated objective is to offer sustainable and solidarity-based complementary solutions, aligning with the ambitions of the PSC reform.
This development reflects a shared commitment to enhancing operational efficiency and societal engagement, by harmonizing social protection, prevention, and long-term support for territorial agents. The APICIL Group, with 3.9 billion euros in turnover and 2,649 employees, is a significant player in social protection, provident insurance, savings, and retirement in France. [lyon-entreprises.com](https://www.lyon-entreprises.com/actualites/article/le-groupe-apicil-renforce-son-engagement-pour-la-sante-mentale-au-travail) The group has been actively strengthening its commitment to mental health at work, a strategy that aligns with its broader focus on employee well-being and sustainable performance. [lyon-entreprises.com](https://www.lyon-entreprises.com/actualites/article/le-groupe-apicil-renforce-son-engagement-pour-la-sante-mentale-au-travail) This new venture further solidifies APICIL’s position in the social protection landscape, particularly within the public sector. [tribune-assurance.optionfinance.fr](https://tribune-assurance.optionfinance.fr/lessentiel/en-2025-avec-territoria-apicil-va-creer-une-societe-dassurance-dediee-a-la-prevoyance-des-territoriaux.html)
Source: lyon-entreprises.com
