Car Insurance

We offer our clients adapted and tailor - made solutions Types of insurances to choose from: Civil Liability (mandatory insurance), Defence and Recourse, Collision Damage, Theft, Fire, Third-party (damage to vehicle with or without accidents), Broken windows, people transported in the car (PTA), Drivers Accident Protection Additional benefits a series of services called Assistance, available free of charge In case of accident, we accompany our clients, providing towing assistance and help with the accident report, we have registered garages, replacement vehicles, etc. Close

Comprehensive Household Insurance - Multirisk Insurance

Only one contract to safeguard your household, apartment or villa. A comprehensive protection of your property (protects what's priceless) You can benefit from a series of insurance in just one contract (standard insurance) Insure your household against risks: Fire-Explosions and Water damages; Broken windows; Theft; Civil liability for the head of the household; Work accidents of members of the household (1 to 3 people)

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Professional activity - Industry - Business and Commerce Civil Liability

Purpose: to cover the expenses that you might have to make in case of accident to third parties (physical, material and non-material), occurring: By your fault; By your employees fault; By the fault of things and object (including buildings, materials, installations) where you are the owner of are in charge of; Extension of the adapted insurances. Fire Explosion outside of premises; Water damage outside the premises; Defence and recourse; Food poisoning; Suitable for: professionals, whichever their area of activity. It covers a multitude of special contracts, adapted to each activity: the professional activity, schools, summer camps, clinics, sports clubs etc....

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Companies Multirisk Insurance

Just one contract to safeguard your activities To provide complete protection of your assets and in order to help you protect yourself from the risks to your business, we have designed the right insurance for you! Thanks to the Multirisk Insurance for companies, you benefit from a series of guarantees in just one contract! Guarantees adapted against the risks to your premises, materials and goods: Fire and water damage; Broken window; Theft; Broken machinery; Operating loss;

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Work accident Insurance

To protect your human recourses! Payments: Daily compensation; Service pension or disability pension; Payment of medical, pharmaceutical or hospitalization expenses; Profit sharing; Provision of pharmacy coupons; The employee, who has suffered a work accident is taken charge of, whatever the accident: On the work site; On the site of the accident (commuting accident); The coverage also extends to business trips made in locations that have a direct link with the industry whether in Morocco or abroad

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Additional AMO Insurance

Your staff is important human capital! Because medical care can be expensive and unpredictable, be proactive and subscribe for a supplementary AMO insurance on behalf of your employees; A perfectly adapted medical coverage The reimbursement at the level of the disease (AMO Basic Plan CNSS required) is 70% of the reference rate; The complementary AMO aims to repay the remaining portion as per options chosen (125% of the reference rate, 150% of the reference rate...) and take over the care and dentures are not covered by the AMO;

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Businesses & individuals - Retirement savings plan

By subscribing the retirement savings plan, you give your employees the chance to retire with peace of mind, and better yet, start new projects ... Let them benefit from a low-cost formula! An affordable contract: amount of payments in accordance with the budget of the subscriber (for the wage share ) A flexible formula: free choice of the frequency and amount of payments, the possibility of suspension and resumption; Rate yield enhancement: The savings are adjusted annually by granting a participation in profits Significant tax benefits

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All-risk building site insurance / All Risk Installation and Testing

Suitable for: owner, construction company, contractor involved in the performance of a structure. Purpose: building a site is an operation where the risks are high and the claims can be costly and may result in disputes between stakeholders� Guarantees: With the all-risk building site insurance you benefit from financial coverage against the risks of construction and damage to building; The T.R.C. insurance also covers the civil liability of all stakeholders on the site; The guarantee covers the entire construction period, since the installation of the yard until the provisional acceptance of the work; You can also extend the warranty for an additional period; Complete and effective coverage; The TRC insurance covers buildings (dwellings, buildings used for offices, public buildings, industrial buildings) and civil engineering works (towers, roads, railways, dams, ports, river engineering, tunnels, bridges, underground pipes...etc...); TRC insurance ensures your construction, materials and equipment on site and the falsework necessary for construction. Extension of guarantees: Design error, equipment and construction equipment, maintenance, overtime, expert fees, clearing fees ... etc). Extensions: Damage due to human factor: Effondrement total ou partiel de l'ouvrage; Total or partial collapse of structure; Accident caused by construction equipment; ; Fire; Burglary; Damage caused by water; Damage due to a natural event: Earthquake; Storm; Lightning; Flood;

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Businesses - Accidental death from all causes

Payments: Payment of a lump sum to beneficiaries upon death of the insured; Payment to the insured equal to a capital in case of absolute and permanent disability occurred before the age of 60; Guarantees: all risks of death, even those resulting from an accident or an occupational disease, subject to the reservations contained in the General Conditions of Contract.

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IT risk

Suitable for - Managers, a claim may cause serious problems and considerable repair costs. To avoid potential risks and guard against accidental events, sudden and unpredictable that may affect your computer equipment, choose All IT Risks Insurance. Guarantees: The CPU with main memory, channels and control units; Peripherals, printers, keyboards, monitors, scanners, unwinding machines; Specific air conditioning and power facilities; All IT Risk also covers all accidental events, causing sudden and unpredictable damage externally (drop, bump ...) to mechanical, electrical (overvoltage, undervoltage, short circuit ...), resulting from mounting operation on the operation site ... etc. Extension of guarantees:Is your hardware totally or partially non-operational following an accident ? You need to meet expenses to offset the consequences of this interruption ? All IT Risks Insurance guarantees the additional operating costs. And that's not all! You can also have the costs for the recovery of information covered when such information has been destroyed or disappeared after a disaster.

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Aviation & Marine Insurance

Because we are aware that you need a strong insurance to cover the transport of your goods, we offer customized warranties: � All risk �:covers damage and loss of property and loss of weight and amounts incurred by the insured goods, unless specifically excluded risks; �Free from Particular Average unless� : covers damages and material losses and loss of weight and amounts incurred by the insured property and caused by major events only. For these two guarantees, you can choose extensions based on risk to ensure: Garantie Extensions All risk Total or partial theft, payment without exemption, rust, oxidation F.P.A unless Blast, removal by the sea, undelivery etc. In addition to the particular average, the marine policy covers the costs reasonably incurred to preserve the goods from damage or loss of property secured by the policy; Choose the type of policy that best suits your needs Policy for individual trips: covers goods in the case of casual shipments, Police "to supply" used for staggered shipments (eg. turnkey factories); Floating policy : adapted to the needs of importers / exporters, manufacturers ... etc.. � Loaders policy � : subscription insurance for service providers (carriers, commission agents, freight forwarders etc. ....) to cover the faculties belonging to their customers. This open policy is a policy where the guarantee is not automatic: you do not have to apply all shipments to the policy, but only those that your customers have made you responsible for. .

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Decennial liability

Suitable for: Builders, contractors, architects and engineers who participated in a building project, the decennial liability insurance is designed for you! Your liability is covered against damage leading to a collapse or threat of collapse of the structure. You are covered for a period of 10 years after completion of the building! Risks guaranteed: Material damage to the building, originating from the shell construction, compromising stability or strength of the building; Expenses incurred to avoid the threat of collapse of the shell structure, necessary to safeguard construction; Costs of demolition and excavation necessitated by guaranteed claims. Extensions: Leakage; Civil liability for third parties; Automatic capital indexing;

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Responsabilité civile décennale

Cible : Mactres d’ouvrage, entrepreneurs, architectes ou ingénieurs ayant pris part à la construction d’un chantier, l’assurance Responsabilité Civile Décennale est connue pour vous ! Votre responsabilité civile est couverte contre tout dommage conduisant un effondrement ou une menace d’effondrement de l’ouvrage construit. Vous étés couverts pendant une période de 10 ans, compté de l’achèvement des travaux ! Les risques garantis : Dommages matériels la construction, trouvant leur origine dans le gros œuvre, compromettant la stabilité ou la solidité de la construction ; Frais occasionnés par la menace d’effondrement du gros œuvre et nécessaires la sauvegarde de la construction ; Frais de démolition et de déblaiement nécessité par les sinistres garantis. Les extensions de garanti : Défaut d’étanchait ; Responsabilité Civile vis-à-vis des tiers ; Indexation automatique des capitaux ;

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