Legal framework respected
We assess where your business stands relative to the applicable scope of the law, with no shortcuts and no misleading promises.
Work Accident Insurance in Tangier
Expert advice · Tangier
Cover designed for employers concerned by applicable regulations, with support from the RMA Al Boughaz agency in Tangier.
TangierQuick response
Law 18-12 framework Employer support Claims follow-up
RMA Assurance · Al Boughaz Agency
Protecting your employees and your business against occupational risk
For employers falling within the scope of Law 18-12, work accident cover is a requirement set out under Moroccan legislation. With RMA Assurance Al Boughaz, we help you understand this framework and translate it into a solution that fits your workforce.
From our agency in Tangier, we support companies in assessing their exposure, setting up the right cover and following up claims, in line with applicable legal provisions and the terms of your policy.
Employers & employees RMA · Al Boughaz
Support with formalities
Setup, workforce declarations and administrative follow-up: we simplify the exchanges with your RMA advisor.
Claims follow-up
If an accident occurs, a single point of contact guides you through the process, in line with your policy terms.
Local presence in Tangier
In-branch appointments or remote support: we stay available for your HR and insurance questions.
Our commitments
Why structure your work accident cover with RMA Assurance Al Boughaz?
An accident at work involves the employer's responsibility and the protection of the employee. We help you turn a regulatory requirement into a clear, well-managed setup.
Clear reading of the legal framework
We explain in plain terms how Law 18-12 applies to your sector and your headcount, in line with applicable legal provisions.
Assessment of exposed staff
Workshops, sites or business travel: we map the situations concerned before structuring the cover.
Simplified paperwork
Activity declaration, workforce updates and required documents: we prepare a complete, consistent file with you.
Coordination with your other policies
Employees & Executives cover, SME multi-risk, liability: we check the overall consistency of your insurance programme to avoid overlaps.
Local, hands-on advice
A team based in Tangier, available for routine questions and for the more sensitive moments of a claim.
Ongoing follow-up
Staff changes, new activities, new premises: we adjust your cover as your business evolves.
What the cover addresses
Protection structured around occupational risk
Work accident cover generally combines several components; the exact scope, limits and exclusions are set out in your policy and RMA policy documents.
Medical treatment
Costs of care linked to an accident occurring in a professional context, according to applicable regulations and your policy terms.
Daily allowances
Financial support during work stoppage following the accident, according to the applicable terms and scales.
Permanent incapacity
Compensation calibrated when lasting after-effects are recognised, following medical assessment and the applicable regulatory framework.
Death benefit or annuity
A payment to the employee's beneficiaries to cushion the financial impact on the family, within the limits set by law and the policy.
Rehabilitation support
Support for the return to activity when the employee's health allows, following medical recommendations and policy terms.
Employer declaration support
Assistance in preparing and submitting accident declarations in the form and within the timeframes expected by the regulations.
Coordination with group cover
Possible alignment with your Employees & Executives arrangements for a consistent view of your teams' protection.
Post-claim support
Follow-up of the file through to closure, with regular updates for you and the employee concerned.
Obligation & responsibility
A legal requirement, a shared responsibility
For employers concerned, work accident cover sits within a precise legal framework. Law 18-12 sets out the main principles applicable to Moroccan businesses depending on their activity and headcount; the detail of obligations, deadlines and procedures remains defined by the applicable regulations and competent authorities.
- Scope determined by your sector and headcount, in line with applicable regulations
- Accident declaration within the deadlines set by law
- Role of the treating physician and, where necessary, a medical assessment
- Coordination with the relevant bodies and authorities
- Coordination with your existing group policies (health, protection)
- Administrative follow-up of the file through to settlement
- Updated workforce declaration in case of changes
- Personalised advice as your business evolves
Before you subscribe
Employer checklist: preparing your work accident file
A few elements gathered ahead of your first meeting help speed up the review and lead to a more accurate RMA proposal.
This checklist is indicative: your RMA Assurance Al Boughaz advisor tailors it to your sector, size and claims history.
- 1 Exact headcount by job category (office, workshop, site, travel)
- 2 Description of tasks and main risks identified per role
- 3 Annual or estimated payroll for the current financial year
- 4 History of any previous work accidents over recent years
- 5 Existing insurance policies (liability, SME, Employees & Executives)
- 6 Contact details of your HR department or the person handling declarations
- 7 Company identification documents (trade register, ICE)
- 8 Planned hiring schedule or expected headcount changes
Understanding the levels of protection
Regulatory baseline versus voluntary add-ons: what's the difference?
Work accident cover sits within a legal framework; some employers choose to add voluntary complements for their staff. Here are the points worth comparing before making an informed choice.
Scope of application
The regulatory baseline applies according to your sector and headcount; voluntary add-ons are an employer choice, subject to policy terms.
Nature of cover
The baseline addresses the direct consequences of a work accident; complementary arrangements can widen support depending on your HR priorities.
Employees concerned
Some categories may benefit from different arrangements depending on status and exposure: we clarify this before setup.
Procedures & deadlines
Declaration formalities follow deadlines set by regulation; we help you meet them and document each step.
Alignment with your policies
We check the consistency between your work accident cover and your existing Employees & Executives or SME arrangements.
Need advice
An advisor helps you frame your legal obligation
Headcount, sector, claims history: tell us where your business stands, and we'll structure a clear response.
Our approach
How we structure your work accident cover
A step-by-step approach designed to stay clear for management and operational teams alike.
Assessment of exposed staff
We map roles, activities and risk levels to precisely frame your needs.
Review of the applicable legal framework
We position your business against the current regulations and their practical implications.
Reasoned RMA proposal
An offer built from your profile, with cover, limits and exclusions explained before you sign.
Setup and follow-up
Initial declarations, headcount updates and support in case of a claim, over time.
Who it's for
A solution designed for employers across all sectors
Industry, construction, retail or services: each activity carries a different level of occupational risk.
Industry & manufacturing
Workshops, production lines and handling: often exposed roles that require carefully calibrated cover.
Construction sites
An activity inherently exposed to accident risk, to be coordinated with your site and decennial liability cover.
Retail & services
Handling, travel and customer contact: different but real risks depending on your organisation.
Craftsmen & small businesses
A small headcount does not exempt you from the cover required for roles concerned by the regulations.
Associations & educational bodies
Administrative staff, supervisors and instructors: cover suited to their specific duties.
Farming operations
Seasonal work, machinery and handling: an occupational risk to factor into your organisation.
Understanding your obligations
Work accident cover: what employers in Tangier need to know
Since Law 18-12 came into force, the Moroccan work accident regime has rested on a legal framework setting out the obligations of concerned employers. This framework is often connected to other social protection arrangements, as detailed on our employees and executives insurance page, for an overall view of your teams' protection.
For small and medium businesses, work accident cover usually fits into a broader reflection on occupational risk. Our SME insurance page presents the other components — property, liability, business interruption — that can consistently complement your insurance programme.
In the construction and public works sector, exposure to occupational risk tends to be more significant. Businesses in this sector will find it useful to consult our construction insurance page, which details site cover and decennial liability to coordinate with work accident protection.
Your company's civil liability remains a distinct but related topic: our liability insurance page details the cover applicable in case of damage caused to third parties, alongside the protection of your employees.
To get a personalised assessment of your situation, you can request a quote or contact our agency in Tangier. An advisor reviews your workforce and proposes a reasoned solution, in line with policy terms.
Rooted in Tangier
Local support for businesses across the region
Our RMA Assurance Al Boughaz agency is based in Tangier, at the heart of a diverse economic fabric: manufacturing, logistics, construction, retail and services. We understand the operational realities of businesses in the region.
Whether your business is based in Tangier, its industrial zone or the surrounding area, we remain available for an in-branch appointment, a phone call or remote follow-up, as suits you.
Why this agency
RMA Assurance Al Boughaz, a local partner in Tangier
A team that knows the local business fabric and stays available throughout the life of your policy.
Local market knowledge
An understanding of the sectors present in Tangier, useful for framing a realistic need from the first conversation.
Clear explanation of the legal framework
We explain the obligations that concern you in plain language, without jargon or shortcuts.
Hands-on file follow-up
A named contact for your routine questions and for support in case of a claim.
A holistic view of your risk
We place work accident cover within the wider context of your professional insurance programme.
Also worth reading
Complete your employee protection
Several components are often combined with work accident cover for more comprehensive protection of your teams and your business.
Work accident
Request your work accident insurance quote
Describe your workforce and activity: we respond with a structured RMA proposal and clearly explained cover.
- Assessment of your workforce and exposed roles
- Positioning relative to the applicable legal framework
- RMA proposal with cover, limits and exclusions detailed
- Support at the Al Boughaz agency or remotely
Free quote · no obligation
Ready to protect your teams?
Our Al Boughaz team reviews your file and proposes cover consistent with your activity.
Our promise
Why trust RMA Assurance Al Boughaz Tangier?
An agency that combines RMA expertise, regulatory rigour and local presence. We take the time to explain the legal framework before proposing a solution.
Based in Tangier, we support employers of varying sizes and sectors, with the same commitment to clarity at every stage of the file.
FAQ
FAQ – Work accident insurance
General answers about work accident cover. Your precise situation, sector and headcount deserve a personalised review with an advisor in Tangier.
Is work accident insurance mandatory in Morocco?
For employers within the scope of Law 18-12, work accident cover is a requirement set out under applicable regulations. The exact scope depends on your sector and headcount; we review it with you.
What is Law 18-12?
It is the reference text organising Morocco's work accident and occupational disease scheme for concerned employers. Its precise application arrangements are governed by current regulations and additional texts published by the competent authorities.
Which employees are concerned by this cover?
The scope depends on your sector, the nature of the roles and your employees' status. We carry out an assessment of your workforce to precisely identify the situations concerned, in line with applicable regulations.
What happens in the event of a work accident?
A declaration must be made within the deadlines set by the regulations. Our team supports you throughout this process, as well as the medical and administrative follow-up of the file, according to your policy terms.
Does the cover apply to commuting accidents?
How these situations are treated depends on the applicable legal framework and the precise circumstances of the event. We help clarify this point according to your organisation before the policy is set up.
Can work accident cover be combined with other employee benefits?
Yes, many employers combine this cover with Employees & Executives arrangements or supplementary health insurance for broader collective protection, depending on their HR priorities.
How is the work accident premium calculated?
The premium depends notably on your sector, headcount, payroll and claims history. Each RMA proposal is built on the basis of these actual elements.
What if my company's headcount changes during the year?
It is important to report any significant workforce change to your advisor, so the declaration can be adjusted and cover kept consistent with your company's actual situation.
How do I get a work accident insurance quote in Tangier?
Complete the online form, call our agency on 06 61 37 32 86, or visit us at Local N° B10, Av. Moulay Youssef, Rue de Fès, Tangier. An advisor reviews your workforce and proposes a suitable solution.
Ready to protect your teams
Let's structure your work accident cover together
A conversation with your RMA Assurance Al Boughaz advisor to clarify your obligations and build a solution suited to your business.
Useful links
Discover more
Continue reading: more RMA solutions in Tangier and resources to compare and choose with confidence.