Foire aux questions

Your insurance may cover such damage, but the insurer could take action against the co-owner responsible or his insurance.

Short-term rentals may require special coverage. Inform your broker of this activity so your policy can be adjusted accordingly.

Contact the syndicate and your insurer immediately. Your condo insurance may cover damage to your unit, regardless of the origin of the damage.

Make a detailed inventory of all the improvements made to your unit since its initial construction and estimate their current replacement value.

The syndicate's insurance generally covers the structure and common areas. You must insure your personal property, tenant improvements and civil liability.

Condo insurance explicitly covers your unit and improvements, in addition to the syndicate's insurance, unlike home insurance, which covers the entire property.

General liability covers bodily injury and property damage, while professional liability covers financial loss due to fault, negligence or error in providing your professional services.

Yes, even private companies need D&O insurance. It protects you against lawsuits from employees, customers, suppliers and other stakeholders.

Absolutely! You are exposed to cyber risks if you store customer data or use computer systems. Cyber insurance protects against data breaches, ransomware and other digital threats.

Your business's size influences the scope and limits of cover required. Small businesses may need basic coverage, while large companies may require higher limits and specialized coverage.

Generally, yes, but certain events, such as floods, may require special coverage. Check the details of your policy.

Remoteness can increase premiums due to increased risks and longer response times in the event of a claim.