Business insurance · Morocco
Sanlam Maroc (formerly Allianz Maroc)
Allianz Maroc est devenue Sanlam : Tous Risques Chantier et RC décennale
Market position
Allianz Maroc was absorbed by Sanlam Maroc in July 2026 and now operates under the Sanlam brand; Sanlam says existing Allianz policies stay valid until expiry on the same terms and with the same intermediary. Sanlam Maroc sells Tous Risques Chantier cover for the duration of construction works and RC décennale covering damage to a building's solidity for 10 years after delivery, for architects, contractors, artisans and developers. No prices are published.
Morocco-specific note
Sanlam's RC décennale page says the cover is obligatoire for architects, maîtres d'œuvre, contractors, artisans and developers and runs for 10 years after delivery. A contractor insured with Allianz Maroc keeps the same policy and intermediary until renewal, per Sanlam's notice.
Pros
- + Both main construction covers: TRC and RC décennale
- + Décennale page lists collapse, cracks, water ingress and waterproofing failures
- + Existing Allianz policies stay valid until expiry, Sanlam says
- + Online quote request plus agent network
Cons
- − The Allianz brand no longer operates in Morocco; policies move to Sanlam
- − No published prices
- − Old Allianz BTP page still online with outdated branding
Typical Morocco pricing
Quote-based; no public prices. Sanlam offers a quote request form and its agents.
Why this matters for Morocco trades
The DGI issues the identifiant fiscal (IF), runs SIMPL for TVA, IS and salary declarations, and is preparing e-invoicing in phases from late 2026, large companies and public-sector suppliers first (Hespress, August 2026). Under Décret n° 2-94-223, the Ministère de l’Équipement et de l’Eau qualifies and classifies BTP firms, and a firm’s class sets the maximum contract amount it can bid for; each tender file states the sector, qualification and class it requires. Moroccan press reported in January 2025 that Tous Risques Chantier and RC décennale insurance had become mandatory, and Wafa Assurance says its décennale cover depends on the works being checked by an approved technical-control body. Employers declare salaries and pay contributions through the CNSS Damancom portal, and public tender rules ask bidders for a CNSS certificate issued within the last year; the ICE has been mandatory on official documents since 1 July 2016, and invoices without it can be rejected by the tax administration, per Hespress.
Moroccan construction and trades software selection is shaped by the DGI’s planned electronic invoicing (due to start in phases from late 2026 with large companies and public-sector suppliers, according to Hespress, with the technical rules not yet published in August 2026), Tous Risques Chantier and RC décennale insurance (reported as mandatory since January 2025), TVA and mandatory invoice mentions such as the ICE, CNSS salary declarations and contributions through Damancom, and the qualification and classification of BTP firms by the Ministère de l’Équipement et de l’Eau for public tenders.
Frequently asked
Is Sanlam Maroc (formerly Allianz Maroc) a good fit for Morocco trades?
Allianz Maroc was absorbed by Sanlam Maroc in July 2026 and now operates under the Sanlam brand; Sanlam says existing Allianz policies stay valid until expiry on the same terms and with the same intermediary. Sanlam Maroc sells Tous Risques Chantier cover for the duration of construction works and RC décennale covering damage to a building's solidity for 10 years after delivery, for architects, contractors, artisans and developers. No prices are published. Sanlam's RC décennale page says the cover is obligatoire for architects, maîtres d'œuvre, contractors, artisans and developers and runs for 10 years after delivery. A contractor insured with Allianz Maroc keeps the same policy and intermediary until renewal, per Sanlam's notice.
What does Sanlam Maroc (formerly Allianz Maroc) cost in Morocco?
Quote-based; no public prices. Sanlam offers a quote request form and its agents. Pricing and availability can change by region; confirm current Morocco pricing on the vendor's site before committing.