Business insurance · Morocco
RMA (Royale Marocaine d’Assurance)
Grand assureur marocain avec une gamme BTP dédiée
Market position
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.
Morocco-specific 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.
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
Typical Morocco pricing
Bespoke, project-rated; no published tariff.
Why this matters for Morocco trades
The DGI runs tax (20% TVA, IS, IR via the SIMPL portal) and the phased 2026 e-invoicing clearance mandate — large enterprises / B2B first, exact start pending the implementing decree; the Ministère de l’Équipement’s Qualification & Classification certificate is required to bid public construction tenders; mandatory construction insurance (Tous Risques Chantier + responsabilité civile décennale) under Loi 59-13 requires a prior contrôle technique and is broker-placed; and employers must register with the CNSS (declarations via Damancom) and carry the ICE on every invoice.
Moroccan construction & trades software selection is shaped by the incoming DGI facturation électronique mandate (a clearance model under Article 145-IX of the CGI, rolling out in 2026 to large firms first — the exact start date pending the implementing decree), mandatory construction insurance under Loi 59-13 (Tous Risques Chantier + responsabilité civile décennale, in force since end-2024), multi-rate TVA (20% standard), CNSS social security, the Ministry of Equipment’s Qualification & Classification system gating public BTP tenders, and a construction pipeline lifted by World Cup 2030 and Al Haouz earthquake reconstruction. B2B runs predominantly in French.
Frequently asked
Is RMA (Royale Marocaine d’Assurance) a good fit for Morocco trades?
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. 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.
What does RMA (Royale Marocaine d’Assurance) cost in Morocco?
Bespoke, project-rated; no published tariff.. Pricing and availability can change by region — confirm current Morocco pricing on the vendor's site before committing.
Is RMA (Royale Marocaine d’Assurance) recommended?
Yes — it is a Tier S (Recommended) pick in our Morocco directory for business insurance, based on market fit and reputation. Still compare it against the alternatives for your specific trade and region.