EPEGA Enterprise — 6 decisive reasons
Local expertise — 80 years
Intimate knowledge of the Moroccan market: insurers, regulators (ACAPS), sectors. No broker knows the Moroccan market as well as EPEGA.
Access to international markets
Lloyd's London, European & Asian markets for complex risks, excess capacity and solutions not insurable locally.
Innovation & ART Solutions
Captives, cyber, parametric, ILS: the solutions of tomorrow, available today. EPEGA is the only Moroccan broker to master these tools.
Total independence
No capital link with any insurer. Your interest, exclusively. We negotiate on your behalf, not in favor of an insurance partner.
Active monitoring & reporting
Contract tracking, claims analysis, annual adjustments. KPIs & dashboards. Annual review meeting with your management team.
National network — 6 agencies
Casablanca, Rabat, Marrakech, Agadir, Tangier, Laâyoune — a local expert, available on-site for your risk visits.
Classic Risks
The fundamental pillars of protecting your business — reinvented by EPEGA expertise. So-called 'classic' risks are not simple to cover. At EPEGA, we don't place standard contracts — we build tailor-made programs.
Work Accident & Occupational Risk Prevention
The difference between a standard AT contract and an EPEGA program is management. We don't just cover the risk, we help you master it. AT insurance is mandatory, but its cost can be optimized through good prevention policy.
Covered guarantees
| Employer legal liability | Professional and commuting accidents |
| Medical expenses | Surgical, pharmaceutical, hospitalization |
| Indemnities | Daily / Disability pensions / Death capital |
Property Damage & Business Interruption
Our critical added value: the assessment of insured values. Under-insurance is one of the most costly pitfalls. EPEGA systematically carries out a rigorous assessment of your insured capitals to avoid any nasty surprises at the time of a claim.
- Property damage: fires, disasters, machine breakdowns
- Special risks: IT, equipment, assembly
- PE: margin compensation over the indemnification period
- MRP: comprehensive SME solution in one contract
- Indexation and value update clauses
Beware of under-insurance
In the event of a claim on an under-insured property, the proportional rule applies: you are only compensated in proportion to the cover taken out. EPEGA assesses your capitals at their real value (new value, replacement value) to effectively protect you.
Maritime, Freight & Transport
- Faculties:Annual floating policy, all risks or FAP except
- Extension:war risks, strike, political risks
- Hull & Machinery:merchant ships, fishing, pleasure craft
- Guarantees:fire, collision, damage, total loss
- Carriers' PL:operators' professional liability
- Freight forwarders:commissionaires, logisticians
Civil Liability — All Branches
For groups with complex liability exposure, EPEGA structures multi-line programs combining primary and excess coverage.
- Operational, Professional, Products Liability
- Decennial Liability (Construction) - D&O
- Environmental Liability - Product Recall
- Guarantee towers: primary + excess
- Access to international markets for catastrophic claims
Complex & New Risks
Faced with the evolution of the business environment, traditional guarantees are no longer enough. EPEGA is at the forefront of the Moroccan market on emerging risks, providing structured and innovative solutions.
Cyber Risk — Exclusive partnership with YOKAMOS
The fundamental difference of our cyber offer lies in its integrated nature: before proposing insurance coverage, YOKAMOS carries out a technical diagnosis of your cybersecurity maturity. This diagnosis conditions the available guarantees and allows you to reduce your real exposure before any claim.
Cyber insurance guarantees
| Incident response | Forensic investigation, IT experts, crisis communication |
| Cyber business interruption | Lost revenue during system interruption |
| Data restoration | Compromised IT systems and data |
| Cyber liability | Damage to third parties following data breach |
| Legal fees | CNDP notification, regulatory fines |
| Cyber extortion | Negotiation, and ransom under conditions |
| BEC fraud | Losses through social engineering diversion |
Insurance Captives
Create your own insurance company. Recover technical profits. Direct access to global reinsurance. A solution reserved for groups with a critical mass of risk.
Types of captives
- Single Parent CaptiveSingle Parent — large groups
- Group Captivemulti-entity pooling
- Branch Captivecommon professional sector
- Protected Cell Company (PCC)intermediate solution
ART Solutions & Alternative Markets
Access to the most sophisticated solutions in the global market, inspired by international best practices.
Parametric Insurance
Automatic compensation as soon as an objective threshold is crossed (meteorological, seismic, hydrological). No claims expertise, no delay. The ideal solution for risks dependent on natural conditions.
How it works
Applications for businesses
Agriculture & Agri-food
Drought, excess water, frost
Tourism & Hospitality
Activity drop related to weather
Renewable Energy
Lack of wind or sun
Construction & Infrastructure
Construction delays due to bad weather
Enterprise Risk Management (ERM)
Risk mapping, risk appetite, KRI, BCP/DRP, Board reporting. EPEGA supports Moroccan companies in structuring their ERM approach according to ISO 31000 & COSO ERM standards.
Our ERM missions
- Major Risk Mapping
- Business Continuity Plan (BCP) & DRP
- Risk Appetite Definition
- Key Risk Indicators (KRI)
- Board Reporting
Multinational Programs
When your risks cross borders, our network follows.
Our 4-step method to serenity
From auditing your risks to claims management — EPEGA supports you at every stage of your risk lifecycle.
ANALYZE
Mapping of your real risks. Audit of existing contracts. Identification of gaps, duplicates and over-insurance.
DESIGN
Structuring of an optimal program: calibrated guarantees, consistent deductibles, exact sums insured.
NEGOTIATE
Competition between national and international markets. Optimal placement according to your risk profile.
MONITOR
Active monitoring, renewals, endorsements. End-to-end claims management. Annual performance reporting.
Ready to transform your risk management?
Request your free audit today. An EPEGA expert analyzes your contracts and proposes an optimized program within 48 hours.
Pourquoi nous faire confiance ?
Conseil Personnalisé
Nous prenons le temps de comprendre vos besoins uniques pour vous offrir des solutions parfaitement adaptées.
Indépendance Totale
En tant que courtier indépendant, nous sélectionnons les meilleurs produits parmi un large éventail de partenaires assureurs.
Accompagnement Durable
Nous sommes à vos côtés à chaque étape, de la souscription à la gestion de vos sinistres, pour vous garantir la tranquillité d’esprit.