Business insurance · Morocco
AtlantaSanad Assurance
Produits BTP nommés — Tous Risques Chantiers + décennale « ALBINAA »
Market position
AtlantaSanad (from the Atlanta–Sanad merger) is a major Moroccan insurer with explicitly branded construction products: a Tous Risques Chantiers policy and a dedicated décennale product marketed as "RC Décennale ALBINAA".
Morocco-specific note
One of the few insurers to give the décennale cover its own product name (ALBINAA — Arabic for "building"), which makes it easy to ask an agent for exactly the mandatory cover under the post-2024 regime.
Pros
- + Clearly named, easy-to-reference BTP products
- + Both mandatory covers (TRC + ALBINAA décennale)
- + Solid national network
- + Professional/SME-friendly positioning
Cons
- − No online quote
- − Décennale gated on technical control
- − Smaller than Wafa/RMA for mega-projects
- − The ALBINAA deep-link can be hard to find — ask the agent for it
Typical Morocco pricing
Project-rated; quote on request via agent.
Why this matters for Morocco trades
The DGI runs tax (20% TVA, IS, IR via the SIMPL portal) and the phased 2026 e-invoicing clearance mandate — large enterprises / B2B first, exact start pending the implementing decree; the Ministère de l’Équipement’s Qualification & Classification certificate is required to bid public construction tenders; mandatory construction insurance (Tous Risques Chantier + responsabilité civile décennale) under Loi 59-13 requires a prior contrôle technique and is broker-placed; and employers must register with the CNSS (declarations via Damancom) and carry the ICE on every invoice.
Moroccan construction & trades software selection is shaped by the incoming DGI facturation électronique mandate (a clearance model under Article 145-IX of the CGI, rolling out in 2026 to large firms first — the exact start date pending the implementing decree), mandatory construction insurance under Loi 59-13 (Tous Risques Chantier + responsabilité civile décennale, in force since end-2024), multi-rate TVA (20% standard), CNSS social security, the Ministry of Equipment’s Qualification & Classification system gating public BTP tenders, and a construction pipeline lifted by World Cup 2030 and Al Haouz earthquake reconstruction. B2B runs predominantly in French.
Frequently asked
Is AtlantaSanad Assurance a good fit for Morocco trades?
AtlantaSanad (from the Atlanta–Sanad merger) is a major Moroccan insurer with explicitly branded construction products: a Tous Risques Chantiers policy and a dedicated décennale product marketed as "RC Décennale ALBINAA". One of the few insurers to give the décennale cover its own product name (ALBINAA — Arabic for "building"), which makes it easy to ask an agent for exactly the mandatory cover under the post-2024 regime.
What does AtlantaSanad Assurance cost in Morocco?
Project-rated; quote on request via agent.. Pricing and availability can change by region — confirm current Morocco pricing on the vendor's site before committing.