Business insurance · Morocco · Head-to-head
Sanlam Maroc (formerly Allianz Maroc) vs Wafa Assurance
Two Morocco business insurance options, compared side by side for Morocco trades.
Which should you choose?
Sanlam Maroc (formerly Allianz Maroc) and Wafa 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 · ListedAllianz 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- − Old Allianz BTP page still online with outdated branding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.
Wafa Assurance
Tier A · ListedTous Risques Chantier et RC décennale pour les professionnels du BTP
Wafa Assurance, which says it is a subsidiary of the Attijariwafa bank group, sells Tous Risques Chantier cover to public and private BTP firms of any size, covering damage to the works and the civil liability of everyone on site. It also sells RC décennale against collapse for ten years from reception, plus Tous Risques Montage and machinery-breakdown cover. Cover is arranged through its advisers and no prices are published.
Pros
- + Both main construction covers: TRC and RC décennale
- + TRC covers the liability of every party on site
- + Related lines: Tous Risques Montage, machinery breakdown, RC after works
- + Licensed insurer on the ACAPS list
Cons
- − No published prices; quote through an adviser
- − No online quote seen
- − Décennale cover depends on checks by an approved technical-control body
Morocco note
Wafa's RC décennale page cites article 769 of the DOC and law 59-13 and says the cover depends on the works being checked by an approved technical-control body, so book the contrôle technique before asking for cover. Moroccan press reported in January 2025 that TRC and RC décennale insurance had become mandatory.
More Morocco options
See all Morocco business insurance vendors and the rest of the Morocco directory.