Commercial multi-risk insurance
For whom?: Shops, offices, workshops, SMEs owning/renting professional premises — Annual premium: 3,500-30,000 MAD/an
Commercial multi-risk protects your business against main risks: fire, water damage, theft, glass breakage, operational civil liability. 'All-in-one' plan essential for any business with physical premises.
Coverage details
Protection of buildings, furniture, equipment, goods, cash on hand. Operational CL (damages caused to third parties on company premises). 24/7 emergency assistance. Option: business interruption in major claim. Option: political vandalism.
Legal framework
Not legally mandatory but required by: professional lessors (lease clause), franchisors, bankers (professional mortgage). Recommended by CGEM for all SMEs.
Claim examples
- Bakery: oven fire, stock destroyed, 3-week closure
- Pharmacy: burglary, medications and cash stolen
- Accounting firm: water damage, computers and archives destroyed
- Restaurant: customer fall on stairs, CL compensation
Exclusions
- Natural disasters (include as CAT NAT option)
- Building maintenance default
- Intentional claims
- Illicit activities
2026 taxation
100% deductible premium. 20% VAT recoverable. Deductible paid in claim also deductible. Compensation received reintegrated in result (if compensating amortized asset).
How to subscribe
Professional asset evaluation by expert. Detailed declaration (furniture inventory, stocks). Choice of guarantees and ceilings. Signature after file acceptance (7-10 days).
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