Business insurance · Morocco
Wafa Assurance
Le leader marocain — Tous Risques Chantier et décennale pour le BTP
Market position
Wafa Assurance (Attijariwafa bank group) is the market-leading Moroccan insurer, offering a dedicated Tous Risques Chantier product plus complementary RC Décennale and targeting public and private BTP players of every size, with nationwide bancassurance distribution.
Morocco-specific note
TRC covers damage to the works plus the civil liability of every site stakeholder, while RCD covers collapse risk for ten years post-reception under Morocco’s post-2024 mandate — but RCD subscription requires a prior contrôle technique by an approved body.
Pros
- + Market leader with deep BTP underwriting capacity
- + Both mandatory covers (TRC + RCD) under one roof
- + Vast agency + bank-branch network
- + Suited to large/complex projects
Cons
- − No online quote — agent/broker underwriting only
- − RCD gated on a contrôle technique
- − Large-enterprise orientation
- − Pricing opaque (project-rated)
Typical Morocco pricing
Project-rated (premium as a % of total works value); quoted per chantier.
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 Wafa Assurance a good fit for Morocco trades?
Wafa Assurance (Attijariwafa bank group) is the market-leading Moroccan insurer, offering a dedicated Tous Risques Chantier product plus complementary RC Décennale and targeting public and private BTP players of every size, with nationwide bancassurance distribution. TRC covers damage to the works plus the civil liability of every site stakeholder, while RCD covers collapse risk for ten years post-reception under Morocco’s post-2024 mandate — but RCD subscription requires a prior contrôle technique by an approved body.
What does Wafa Assurance cost in Morocco?
Project-rated (premium as a % of total works value); quoted per chantier.. Pricing and availability can change by region — confirm current Morocco pricing on the vendor's site before committing.
Is Wafa 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.