Business insurance · Morocco · Head-to-head

Allianz Maroc vs RMA (Royale Marocaine d’Assurance)

Two Morocco business insurance options, compared side by side for Morocco trades.

Which should you choose?

RMA (Royale Marocaine d’Assurance) edges ahead on our Morocco tiering (Tier S vs A), but both are workable — the right pick depends on your trade, region, and the Morocco-specific notes below.

Allianz Maroc

Tier A · Workable

Page sectorielle BTP dédiée — chantier + décennale

Allianz Maroc (global Allianz group, locally licensed) runs a dedicated Bâtiment et Travaux Publics sector page and a risques-techniques line covering construction projects from site installation through completion, including décennale liability for ten years post-completion.

Pros

+ Global brand, local licence
+ Dedicated BTP + technical-risks pages
+ Both construction-phase and décennale cover
+ Good for cross-border/larger contractors

Cons

− Agent/broker quote only
− Cover described more generically than rivals’ named products
− Décennale needs technical control
− Likely premium pricing

Morocco note

Positions décennale as a legal obligation for all building-works providers and covers both the construction phase and the ten-year post-reception liability — international underwriting standards delivered through local agents.

Typical Morocco pricing: Project-rated; quote on request.

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RMA (Royale Marocaine d’Assurance)

Tier S · Recommended

Grand assureur marocain avec une gamme BTP dédiée

RMA (FinanceCom group; founded 1949) is among Morocco’s top-tier insurers and runs a dedicated BTP offering covering Tous Risques Chantier and RC Décennale with project-tailored solutions.

Pros

+ Dedicated BTP product page and underwriting team
+ Covers both mandatory lines
+ Large balance sheet for big infrastructure risks
+ Established reinsurer relationships

Cons

− Quote via agent only
− Underwriting case-by-case (no instant pricing)
− Décennale needs technical-control sign-off
− Geared to mid/large enterprises

Morocco note

Frames its décennale cover around Article 769 of the DOC — indemnifying structural damage that compromises solidity within the ten-year period — i.e. built for the Moroccan legal framework rather than a ported European wording.

Typical Morocco pricing: Bespoke, project-rated; no published tariff.

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More Morocco options

See all Morocco business insurance vendors and the rest of the Morocco directory.

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