The verdict in three sentences
For a brokerage with 9,000 contracts in Casablanca, portfolio management software costs between 200,000 and 450,000 MAD excl. VAT in 2026 (about 18,500 to 41,500 EUR), depending on the number of insurer connectors and the level of automation. The return comes mainly from automated renewal reminders and commission reconciliation, two areas where brokers lose revenue today without noticing. A 6-point gain in renewal rate usually pays back the project in under 18 months.
What the software must cover, and what it costs
A Moroccan broker works with several insurers (Wafa Assurance, RMA, AXA Assurance Maroc, Sanlam, AtlantaSanad, Allianz Maroc), each with its own statements, commission rates and calendars. The core of the software is a single database of policies, clients and due dates, extended with business modules.
| Module | Key function | Indicative 2026 budget (MAD excl. VAT) |
|---|---|---|
| Client and policy registry | Records, endorsements, documents, history | 45,000 to 80,000 |
| Renewals and reminders | Alerts at D-60, D-30, D-7, SMS, email, WhatsApp | 25,000 to 50,000 |
| Commissions per insurer | Rates per line, statement reconciliation | 35,000 to 70,000 |
| Claims management | Notification, follow-up, documents, insurer deadlines | 30,000 to 60,000 |
| ACAPS compliance | Complaints register, KYC, AML/CFT, archiving | 25,000 to 55,000 |
| Insurer connectors | Statement import, API or files | 20,000 to 90,000 |
| Client portal and mobile | Certificates, online claim notification | 20,000 to 45,000 |
The low end (200,000 MAD) is a tight scope: registry, renewals, commissions and claims, with statements imported from Excel files. The high end (450,000 MAD) adds automated connectors with three to five insurers, a client portal and a management dashboard.
Off-the-shelf package or custom build: the comparison
Brokerage packages exist, often designed for France or adapted from generic tools. They work, but Moroccan specifics (local insurer statements, ACAPS reporting, French and Arabic) often require extra development.
| Criterion | Subscription package | Custom build |
|---|---|---|
| Upfront cost | 30,000 to 80,000 MAD of setup | 200,000 to 450,000 MAD excl. VAT |
| Recurring cost | 150 to 400 MAD per user per month | Maintenance 12 to 18% per year |
| Time to go live | 1 to 3 months | 4 to 7 months |
| Moroccan insurer statements | Often manual import | Dedicated connectors |
| ACAPS compliance | Partial, to be completed | Built into the data model |
| Data ownership | Vendor hosting | Hosting of your choice, data owned by the broker |
| 5-year cost (15 users) | 300,000 to 800,000 MAD | 320,000 to 700,000 MAD |
Over five years the gap narrows. Custom software makes sense once the brokerage has more than 5,000 contracts, several partner insurers and a growth plan (new branches, a network of introducers).
ACAPS compliance and personal data
The Insurance and Social Welfare Supervisory Authority (ACAPS) requires intermediaries to keep a complaints register, know-your-customer and anti-money-laundering procedures, and document retention. Law 09-08 and the CNDP also govern personal data: processing declarations, consent, controlled hosting. The software must log who views what, timestamp every policy change and produce the extracts requested during an inspection in minutes rather than days.
Mini case study
Youssef runs a brokerage in Casablanca with 9,000 contracts, an average premium of 4,200 MAD and an average commission rate of 14%. His renewal rate is 81%. After deploying a 320,000 MAD software with automated reminders at D-60, D-30 and D-7, it rises to 87%.
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Calculation: 6% of 9,000 contracts, i.e. 540 contracts retained. 540 × 4,200 MAD × 14% = 317,520 MAD of extra annual commissions (about 29,400 EUR). Add roughly 25 hours per month saved on statement reconciliation, or 300 hours a year. The project pays back in just over 12 months, maintenance included (2026 estimate).
FAQ
How much does insurance brokerage software cost in Morocco in 2026?
For a brokerage with 5,000 to 10,000 contracts, expect 200,000 to 450,000 MAD excl. VAT for a custom build, or 150 to 400 MAD per user per month for a package. Maintenance runs at 12 to 18% of the upfront cost per year.
Can insurer commission statements be imported automatically?
Yes, through structured files or an API when the insurer offers one. Each connector costs 15,000 to 30,000 MAD and cuts manual reconciliation by 70 to 90%.
How long does the project take?
Allow 4 to 7 months for a custom build, including 4 to 6 weeks of data migration. A first release with renewals and reminders can ship in 10 weeks.
Does the software help during an ACAPS inspection?
Yes: the complaints register, KYC files and policy history are extracted in minutes. Brokers estimate saving 3 to 5 days of preparation per inspection.
Where is the data hosted?
Your choice, on a cloud in Morocco or in Europe with a CNDP declaration. Managed hosting costs roughly 1,500 to 4,000 MAD per month.
Let's scope your project. Send us your contract count, partner insurers and priorities (reminders, commissions, claims) for a MAD estimate and a go-live plan. Detailed quote within 48 h. WhatsApp +221 77 596 93 33.
Mohamed Bah
Fondateur, Kolonell
Passionate about digital and entrepreneurship in Africa, Mohamed has been helping Sénégalese businesses with their digital transformation since 2020. Founder of Kolonell, he believes every SME deserves a professional and accessible online présence.
