Definition : Insurance certificate

Document by which the insurer confirms the existence (at the date of delivery) of an insurance policy in favor of the insured and in which the insurance coverages are summarized.

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28/05/2024

Construction insurance

Article 1039 of the Civil Code of Quebec provides that the community of co-owners, as a legal entity, has the mission of preserving the building, maintaining, and managing the common portions. This article also states that the syndicate of co-owners must ensure the execution of the necessary work to prevent the…...

Insurance

20/05/2024

Lessee’s insurance

With the increasing presence of tenants in divided co-ownership buildings, it is essential for all stakeholders to fully understand the issues related to insurance coverage. Unlike in other countries, Quebec law does not require tenants to purchase “home insurance”, which would cover their belongings and civil liability in the event…...

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16/05/2024

Co-owner's liability insurance

A co-owner may incur liability toward the syndicate, the other co-owners or occupants of the building, and even toward third parties. As provided in article 1457 of the Civil Code of Québec, every person has a duty not to cause harm to others. As a co-owner, you must act prudently…...

Insurance

30/03/2010

Insurance of the improvements to the private portion

The insurance of the syndicate covers the common portions of the building as well as your private portion. In the event of a loss, it is not intended to compensate you for improvements made to your private portion. It is therefore your responsibility to ensure that these improvements are covered by…...

Insurance
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10/04/2024

Tenant's insurance certificate: can it be required ?

As a co-owner of an apartment that I have been renting out for several years, I find myself facing recurring questions regarding my tenant's insurance. Previously, I did not systematically require proof of rental insurance. However, alarming stories of incidents in other co-ownership properties, resulting in significant damages and complex…...

Insurance
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16/02/2024

Liability related to his responsabilities

The condo manager’s tasks are numerous and so, his civil liability could be engaged. As a mandatary of the syndicate of co-owners, the manager is required to fulfill the terms of his mandate. The manager can incur his liability in two ways: first of all, he can incur his contractual civil liability towards the mandator;…...

Management
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31/03/2010

Building insurance certificate: can it be required?

Question: Can a co-owner require the board of directors to provide proof of the building’s insurance?...

Insurance