Definition : Malicious act

A deliberately harmful act committed by one or more individuals with the intention of causing harm, damaging, or deteriorating property. Damage caused by malicious act is covered under a property insurance contract taken out by a syndicate of co-owners in accordance with the third paragraph of article 1073 of the Civil Code of Quebec, unless the insurance policy or a rider sets out, expressly and in clearly legible characters, which of this risk is excluded.