Article 1064.1 CCQ - Co-owner's civil liability insurance
Article 1064.1 requires each co-owner to take out insurance covering their liability toward third persons, the minimum amount of which is set by government regulation.
What it means for your syndicate
This obligation falls on the co-owner personally; it is distinct from the insurance on the immovable that the syndicate must carry (art. 1073 CCQ). The two policies complement each other.
This regime comes from Bill 141 (2018): it should not be confused with the syndicate's insurance or with the self-insurance fund (art. 1071.1 CCQ).
CondoAide can keep in the register the proofs of insurance co-owners provide, helping the board track who has supplied theirs. The choice and extent of coverage rest with the co-owner and their insurer.
Manage your co-ownership with confidence
CondoAide helps self-managed Quebec syndicates keep their register, finances and meetings aligned with the Civil Code.