Compulsory insurance “TRC” and “RCD” comes into force.
The Insurance and Social Security Control Authority (ACAPS) and the Moroccan Insurance Association (FMA) announce that the All Risks Construction Site (TRC) and Ten-Year Civil Liability (RCD) insurance has been in place since December 30, 2024. are now mandatory.
This new commitment arises from the publication of two ministerial decrees aimed at strengthening the protection of actors involved in construction projects and ensuring compliance with regulatory standards.
TRC insurance is required for the customer throughout the duration of the work, covering property damage and civil liability to third parties. The RCD, in turn, is mandatory for construction professionals and comes into force after the acceptance of the work and provides 10 years of protection against damage that endangers the soundness of the work.
These obligations apply to industrial, commercial and residential buildings with more than three floors or an area of
Please note that ACAPS and the FMA will monitor the application of these new requirements.
