Business insurance · Morocco · Head-to-head
AXA Assurance Maroc vs Wafa Assurance
Two Morocco business insurance options, compared side by side for Morocco trades.
Which should you choose?
AXA Assurance 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.
AXA Assurance Maroc
Tier A · Listed« TR Chantier Batissur » : tous risques chantier pour le BTP
AXA Assurance Maroc, which presents itself as part of the AXA Group, sells TR Chantier Batissur, a construction all-risks policy for project owners, developers, contractors, architects and design offices. It covers damage to the works, workmanship errors, site machinery, third-party liability and debris removal until provisional reception, and a post-reception guarantee period can be added. Its business range also includes the Mihnassur multirisk policy for professionals; no décennale product is listed on its site.
Pros
- + Named construction all-risks product (Batissur)
- + Covers workmanship errors, site machinery and third-party liability
- + Optional post-reception guarantee period
- + Licensed insurer on the ACAPS list
Cons
- − No RC décennale product listed on axa.ma
- − No published prices
- − Quote by callback request or through an agency
Morocco note
Batissur covers the works until provisional reception, with an optional post-reception period for defects found after handover. AXA Maroc's site lists no RC décennale product, so a contractor who needs décennale cover should ask the agency directly or look at other insurers.
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.