In Morocco, the end of construction sites without insurance guarantees

In Morocco, construction insurance (All Risks Construction Site and Ten-Year Civil Liability) is now compulsory. The measure aims to guarantee better risk management on current and future construction sites, and total coverage in the event of a disaster.

The measure has been in force since December 30, 2024. While the “All Risks Construction Site” insurance covers both “Damage to the work” and “Construction site civil liability”, the “Ten-year civil liability” insurance covers damage linked to serious defects occurring after receipt of the works. In the case of the first insurance, the deductible for the “Damage to the work” guarantee is capped at 7%, a lump sum amount limited to 20,000 dirhams or the higher amount between these two options. The minimum guarantee cannot be less than the total cost of the construction work and 500 million dirhams. If several works are covered by the same insurance contract, the compensation cannot exceed 1 billion dirhams, relays The morning.