Business insurance · Morocco
RMA (Royale Marocaine d’Assurance)
Assureur marocain avec une offre BTP : chantier et décennale
Market position
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.
Morocco-specific 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.
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
Typical Morocco pricing
Quote-based; no public prices.
Why this matters for Morocco trades
The DGI issues the identifiant fiscal (IF), runs SIMPL for TVA, IS and salary declarations, and is preparing e-invoicing in phases from late 2026, large companies and public-sector suppliers first (Hespress, August 2026). Under Décret n° 2-94-223, the Ministère de l’Équipement et de l’Eau qualifies and classifies BTP firms, and a firm’s class sets the maximum contract amount it can bid for; each tender file states the sector, qualification and class it requires. Moroccan press reported in January 2025 that Tous Risques Chantier and RC décennale insurance had become mandatory, and Wafa Assurance says its décennale cover depends on the works being checked by an approved technical-control body. Employers declare salaries and pay contributions through the CNSS Damancom portal, and public tender rules ask bidders for a CNSS certificate issued within the last year; the ICE has been mandatory on official documents since 1 July 2016, and invoices without it can be rejected by the tax administration, per Hespress.
Moroccan construction and trades software selection is shaped by the DGI’s planned electronic invoicing (due to start in phases from late 2026 with large companies and public-sector suppliers, according to Hespress, with the technical rules not yet published in August 2026), Tous Risques Chantier and RC décennale insurance (reported as mandatory since January 2025), TVA and mandatory invoice mentions such as the ICE, CNSS salary declarations and contributions through Damancom, and the qualification and classification of BTP firms by the Ministère de l’Équipement et de l’Eau for public tenders.
Frequently asked
Is RMA (Royale Marocaine d’Assurance) a good fit for Morocco trades?
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. 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.
What does RMA (Royale Marocaine d’Assurance) cost in Morocco?
Quote-based; no public prices. Pricing and availability can change by region; confirm current Morocco pricing on the vendor's site before committing.