Construction and property insurance: mandatory covers and caps
In force
- Effective date
- Per the official text
- Verification date
- 2026-09-24
- Source
- Official primary source (see link below)
- TRC (all-risks construction) and RCD (ten-year liability) are mandatory since 30 December 2024 for constructions subject to a building permit, including industrial, commercial, office and service uses; basis: law 59-13 (articles 157-1 to 157-25 of the Insurance Code) and arrêtés 3201-24 / 3202-24 (BO 7376).
- Who insures: TRC by the project owner (damage to the works plus site third-party liability); RCD by architects, engineers and contractors; obtaining the compliance certificate is conditional on insurance (art. 157-15).
- Caps (arrêté 3201-24): damage cover at least the works value (under MAD 500 million), capped at MAD 500 million (aggregate MAD 1,000 million); site third-party liability at least 50% of the value, between MAD 4 million and MAD 40 million.
- Other mandatory covers: civil liability insurance for mining title holders (law 33-13 art. 57); work accidents and occupational diseases (AT/MP) under a commercial insurance regime (law 18-12, ACAPS-licensed insurer, not CNSS).
- Cross-border (non-admitted) insurance is prohibited: risks located in Morocco must be covered by a locally licensed insurer.
Official sources
Facts in this record rely on an official primary source; texts may be amended, so refer to the official text and the latest Bulletin Officiel.
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