Business insurance · Morocco · Head-to-head

Sanlam Maroc (formerly Allianz Maroc) vs RMA (Royale Marocaine d’Assurance)

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

Which should you choose?

Sanlam Maroc (formerly Allianz Maroc) and RMA (Royale Marocaine d’Assurance) are both Tier A, which every business insurance entry without a reputation warning receives, so the tier does not separate them. Weigh the pros, cons, pricing and Morocco-specific notes below against your trade and region.

Sanlam Maroc (formerly Allianz Maroc)

Tier A · Listed

Allianz Maroc est devenue Sanlam : Tous Risques Chantier et RC décennale

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.

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− Old Allianz BTP page still online with outdated branding

Morocco 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.

Typical Morocco pricing: Quote-based; no public prices. Sanlam offers a quote request form and its agents.

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RMA (Royale Marocaine d’Assurance)

Tier A · Listed

Assureur marocain avec une offre BTP : chantier et décennale

RMA (Royale Marocaine d'Assurance SA, Casablanca) is a licensed Moroccan insurer that says it has more than 300 points of sale across Morocco. Its business site has a BTP section listing Tous Risques Chantier and RC décennale cover for construction firms. No prices are published.

Pros

+ Licensed insurer on the ACAPS list
+ BTP section covering Tous Risques Chantier and RC décennale
+ More than 300 points of sale across Morocco, RMA says

Cons

− No published prices
− BTP page works only with JavaScript; cover details not confirmed here
− Ask the insurer what technical checks the décennale cover requires

Morocco note

RMA lists TRC and RC décennale in the BTP section of its business site. Moroccan press reported in January 2025 that both covers had become mandatory for construction, so ask for both in one quote and check the conditions before the works start.

Typical Morocco pricing: Quote-based; no public prices.

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