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Compulsory insurance covering the syndicate and all the co-owners from the consequences of the civil liability of the co-ownership. It is a guarantee in the case of a loss caused by the immovable (for example, a slippery staircase and unsatisfactory snow removal of a sidewalk) or by a person in the service of the co-ownership (for example, a janitor and manager).
20/05/2025
We have an indoor swimming pool in our co-ownership. It occasionally happens that certain co-owners or occupants invite an external person—often a professional—to provide swimming lessons to their children directly in the common facilities. This situation raises an important legal question. Questions: If an accident were to occur during one…...
23/07/2024
In the same way as any other natural or legal person, a syndicate of co-owners is likely to incur civil liability towards third parties, including co-owners. Responsibility is the counterpart of power: where authority lies, there is responsibility. A syndicate must therefore act with prudence and diligence, taking the necessary measures to prevent accidents normally foreseeable,…...
01/07/2024
Renting your apartment to tourists, exposes you to various claims. This could be the case in cases where it is recognized that you are legally responsible for a guest who injures themselves or has their personal belongings damaged or stolen during their stay in your apartement. While some short-term…...
30/06/2024
The Syndicate's obligation to maintain the common areas, and more particularly the common portions for restricted use, is a subject that has given rise to much debate since the 1994 reform. This obligation, although clearly defined, has often been a source of conflict and misunderstanding. Directors often find themselves in…...
10/05/2024
A co-ownership may face a multitude of risks such as fires, water damages, break-ins and acts of vandalism. In the event of a loss, the co-ownership's insurance plays an essential role in ensuring its sustainability and so, by covering not only the immovable itself but also the civil liability of the syndicate of…...
27/04/2024
A syndicate is likely to incur civil liability towards co-owners but also third party members; this liability can be illustrated by the financial contribution of the co-owners because in the event of a judgment condemning the syndicate to pay a sum of money, this judgment will be enforceable against him and…...
12/03/2024
Water damages are the most frequent loss in co-ownerships (condominiums). The concept of water damage also includes the civil liability of the syndicate, the co-owner and the lessee (tenant) who could be responsible in the event of damages suffered by third party members; thus, the question of who is responsible for this constantly…...
01/01/2024
Dans cette capsule vidéo, l’avocat émérite Yves Joli-Coeur aborde un sujet crucial pour toute copropriété : les assurances du syndicat. Il rappelle que les copropriétés sont exposées à divers types de risques, tels que les incendies, les dégâts d’eau, les vols et les actes de vandalisme. Lorsqu’un sinistre survient, l’assurance…...
12/02/2021
Les copropriétés qui perdent leur assureur ne sont plus des cas isolés. Si la plupart d'entre elles parviennent à en trouver un autre pour recadrer le risque, les primes et les franchises n'en demeurent pas moins substantielles....
15/12/2020
Le mercredi 9 décembre 2020, la Webradio de Condolegal.com était entièrement dédiée à un sujet complexe en copropriété: l'article 1074.2 du Code civil du Québec et les recours judiciaires possibles. Les sinistres qui proviennent d'une unité, au sein d'une copropriété, obligent bien souvent un syndicat à payer la franchise pour faire…...