Atlasimmobilier supports you from acquisition to the legal and technical securing of your project
In an increasingly structured sector, where built heritage and real estate investments are growing in Marrakech, Essaouira and across the Kingdom, legal and technical security on construction sites has become essential.
It is with this in mind that representatives of Atlasimmobilier recently took part in a masterclass organized by ACAPS, dedicated to the implementation of the new mandatory insurance schemes TRC (All Risks Construction Insurance) and RCD (Ten-Year Civil Liability Insurance), now in force in Morocco since December 2024.
A regulatory revolution for construction projects
Since late 2024, all real estate project owners subject to current regulations – whether individuals, investors, developers or institutions – must subscribe to two complementary insurance policies:
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TRC insurance, covering risks during the construction phase
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RCD insurance, protecting against structural damage for ten years after delivery
This mechanism, long present in the legal texts but rarely enforced, is now governed by clear and binding regulations. Its aim is to strengthen investor confidence, protect buyers, and guarantee the durability of the constructions.
TRC and RCD: what exactly are we talking about?
1. All Risks Construction Insurance (TRC)
This applies during the execution of works and covers:
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Accidental damage occurring on the site
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Integrated materials and equipment
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Civil liability in case of damages caused to third parties (neighbors, public property, etc.)
2. Ten-Year Civil Liability Insurance (RCD)
This takes effect after the project is completed and covers, for 10 years:
These guarantees apply to architects, engineers, construction companies, project owners, design offices and subcontractors alike.
Who is concerned?
This regulatory framework applies in particular to:
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Residential buildings over 3 floors or over 800 m²
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Mixed-use, industrial, hotel, educational or office buildings with a covered surface area exceeding 400 m²
Public projects (roads, ports, dams, etc.) are excluded.
A crucial point for riad renovation candidates
If you are considering renovating a riad or converting a historic property into a guesthouse or boutique hotel, be aware that, depending on the size and purpose of your project, you may fall under this new regulation.
That is why Atlasimmobilier, with its field experience in Marrakech and Essaouira, now supports its clients not only in selecting the right property, but also in assessing the technical and legal framework of the planned work.
The essential role of technical inspections
Another important point highlighted during the masterclass: mandatory technical inspections.
Conducted by certified control offices, these take place at two key moments:
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Before construction begins, to validate plans, soil studies, and technical specifications
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At delivery, to ensure compliance and finalize the insurance contract
Without these two reports, no insurance coverage can be activated.
Why does it matter to you?
Are you a foreign investor?
These insurances provide peace of mind. They protect your funds, shield you from unforeseen events, and increase the value of your property in case of resale or exploitation.
Are you a developer?
Working with an informed and structured agency like Atlasimmobilier helps you accelerate the marketing of your project by reassuring potential buyers.
Are you planning a construction or renovation project?
We help you understand your legal obligations, connect with the right professionals (architects, technical inspectors, insurers), and build with peace of mind.
Atlasimmobilier, your trusted partner in Morocco
Based in Marrakech and Essaouira, our agency has been supporting investors, property owners and developers since 1999 with:
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The acquisition of riads to renovate
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The sale of titled plots
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The marketing of new real estate developments
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The regulatory framework and technical follow-up of construction projects
Our teams work closely with notaries, architects, urban planners and institutional partners to provide you with rigorous and personalized support.
Do you have a project? Looking to market a real estate program?
Contact us via our website: Atlasimmobilier Marrakech – Atlasimmobilier Essaouira
Or by email: [email protected]
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