Comme vous le savez, une police d\u2019assurance est d\u00e9sormais obligatoire pour l\u2019ensemble des architectes, et la police offerte aux architectes en pratique priv\u00e9e, dor\u00e9navant appel\u00e9e \u00ab\u2009police compl\u00e9mentaire\u2009\u00bb, a \u00e9t\u00e9 modifi\u00e9e afin d\u2019en simplifier la lecture, d\u2019en pr\u00e9ciser la port\u00e9e ou d\u2019en modifier la nature de la garantie \u00e0 certains \u00e9gards. Nous attirons votre attention sur certaines exclusions, pr\u00e9sentes dans les deux polices, afin de vous inciter \u00e0 la prudence.<\/p>\n\n\n\n
Si vous avez des questions concernant ce qui suit, n\u2019h\u00e9sitez pas \u00e0 communiquer avec la direction du fonds d\u2019assurance.<\/p>\n\n\n\n
Cette exclusion a \u00e9t\u00e9 pr\u00e9cis\u00e9e par rapport \u00e0 sa version ant\u00e9rieure. Elle se lit comme suit\u2009:<\/p>\n\n\n\n
Le pr\u00e9sent contrat ne s\u2019applique pas \u00e0 une R\u00e9clamation ou partie d\u2019une R\u00e9clamation\u2009:<\/em><\/p>
4.<\/em> d\u00e9coulant de Dommages, de vices ou de d\u00e9sordres affectant\u2009:<\/em><\/p>
a)<\/em> un bien dont vous \u00eates ou avez \u00e9t\u00e9 propri\u00e9taire, occupant, utilisateur ou locataire, seul ou avec d\u2019autres; [\u2026]<\/em><\/p><\/blockquote>\n\n\n\n
Cette pr\u00e9cision vise \u00e0 mieux faire comprendre que la police d\u2019assurance ne s\u2019applique pas aux r\u00e9clamations fond\u00e9es sur la garantie de qualit\u00e9 dont vous avez l\u2019obligation \u00e0 titre de vendeur ou vendeuse ou en raison de dommages caus\u00e9s \u00e0 des lieux que vous louez ou \u00e0 des biens \u00e9tant sous votre contr\u00f4le. Cela signifie notamment qu\u2019il n\u2019y a aucune couverture d\u2019assurance offerte par la direction du fonds d\u2019assurance si vous avez con\u00e7u votre r\u00e9sidence et qu\u2019on vous poursuit pour des vices cach\u00e9s.<\/p>\n\n\n\n
2. L\u2019amiante<\/strong><\/h3>\n\n\n\n
Il est bien connu que les risques entourant l\u2019amiante sont souvent exclus des polices d\u2019assurance puisque cette mati\u00e8re comporte d\u2019importants risques pour la sant\u00e9. Nous souhaitons rappeler que les polices offertes par la direction du fonds d\u2019assurance ne font pas exception et pr\u00e9voient l\u2019exclusion suivante\u2009:<\/p>\n\n\n\n
Le pr\u00e9sent contrat ne s\u2019applique pas \u00e0 une R\u00e9clamation ou partie d\u2019une R\u00e9clamation\u2009:<\/em><\/p>
14. a)<\/em> d\u00e9coulant de la sp\u00e9cification ou de l\u2019installation d\u2019amiante, ou de tout d\u00e9riv\u00e9 ou de tout produit ou mati\u00e8re contenant de l\u2019amiante;<\/em><\/p>
b) d\u00e9coulant de Services professionnels rendus dans le cadre de tout Projet impliquant la gestion de l\u2019amiante, notamment son enl\u00e8vement, son retrait, son traitement, sa neutralisation, ou de tout d\u00e9riv\u00e9 ou de tout produit ou mati\u00e8re contenant de l\u2019amiante;<\/em><\/p>
c) visant l\u2019octroi d\u2019un Dommage corporel ou d\u2019un Dommage moral subi par quiconque en raison de l\u2019exposition \u00e0 l\u2019amiante ou \u00e0 tout d\u00e9riv\u00e9 ou \u00e0 tout produit ou mati\u00e8re contenant de l\u2019amiante; ou<\/em><\/p>
d)<\/em> d\u00e9coulant du d\u00e9faut d\u2019identifier la pr\u00e9sence d\u2019amiante ou de tout d\u00e9riv\u00e9 ou de tout produit ou mati\u00e8re contenant de l\u2019amiante, notamment dans le cadre d\u2019une inspection pr\u00e9achat; [\u2026]<\/em><\/p><\/blockquote>\n\n\n\n
Si vous d\u00e9couvrez la pr\u00e9sence d\u2019amiante ou de ses d\u00e9riv\u00e9s en cours de projet, assurez-vous de communiquer rapidement avec le service de la souscription de la direction du fonds d\u2019assurance. En effet, il est possible d\u2019obtenir une couverture \u00e9largie du risque d\u2019amiante en souscrivant un avenant. Cela dit, vous devez pr\u00e9senter une demande d\u2019avenant pour chaque projet impli\u00adquant de l\u2019amiante dans les d\u00e9lais prescrits. Le d\u00e9lai pour pr\u00e9senter votre demande est de quatre (4) jours ouvrables<\/strong> apr\u00e8s le moment de la d\u00e9couverte de la pr\u00e9sence d\u2019amiante ou de la remise du rapport de laboratoire ou avant les travaux si vous anticipez la pr\u00e9sence d\u2019amiante. Il existe \u00e9galement un avenant amiante annuel en regard de l\u2019inspection pr\u00e9achat et pr\u00e9vente.<\/p>\n\n\n\n
3. Les services rendus \u00e0 votre syndicat de copropri\u00e9t\u00e9<\/h3>\n\n\n\n
Tant la police d\u2019assurance compl\u00e9mentaire que la police d\u2019assurance obligatoire d\u00e9livr\u00e9es par la direction du fonds d\u2019assurance pr\u00e9voient d\u00e9sormais une exclusion afin de sous\u00adtraire de la garantie les r\u00e9clamations pr\u00e9sent\u00e9es par un syndicat de copropri\u00e9taires dont l\u2019architecte assur\u00e9 ou assur\u00e9e est membre ou par un ou une copropri\u00e9taire d\u2019un tel syndicat. Cette exclusion se lit comme suit\u2009:<\/p>\n\n\n\n
Le pr\u00e9sent contrat ne s\u2019applique pas \u00e0 une R\u00e9clamation ou partie d\u2019une R\u00e9clamation\u2009:<\/em><\/p>
22.<\/em> d\u00e9coulant de Services professionnels<\/strong> rendus directement ou indirectement au b\u00e9n\u00e9fice d\u2019un syndicat de copropri\u00e9t\u00e9 dont vous \u00eates l\u2019un des copropri\u00e9taires ou de tout autre copropri\u00e9taire d\u2019un tel syndicat.<\/em><\/p><\/blockquote>\n\n\n\n
Prenons un exemple. Un architecte membre d\u2019un syndicat de copropri\u00e9t\u00e9 est mandat\u00e9 par ce m\u00eame syndicat pour produire des plans en vue de la r\u00e9novation d\u2019une partie de l\u2019immeuble de la copropri\u00e9t\u00e9. Or, le syndicat de copropri\u00e9t\u00e9 s\u2019aper\u00e7oit, une fois les travaux termin\u00e9s, que les plans pr\u00e9par\u00e9s par l\u2019architecte contenaient des non-conformit\u00e9s. Le syndicat de copropri\u00e9t\u00e9 met maintenant en cause l\u2019architecte et lui r\u00e9clame une indemnit\u00e9 pour rendre l\u2019immeuble conforme.<\/p>\n\n\n\n
Dans une telle situation, la direction du fonds d\u2019assurance ne couvrirait pas la r\u00e9clamation pr\u00e9sent\u00e9e par le syndicat de copropri\u00e9t\u00e9<\/strong>, vu l\u2019exclusion applicable. Cela signifie donc que l\u2019architecte copropri\u00e9taire devrait assumer sa propre d\u00e9fense et d\u00e9dommager le syndicat \u00e0 ses frais. <\/p>\n\n\n\n
<\/p>\n","protected":false},"excerpt":{"rendered":"
Le r\u00e9gime d\u2019assurance offert par la direction du fonds d\u2019assurance de l\u2019OAQ a fait l\u2019objet d\u2019une r\u00e9vision compl\u00e8te en avril 2022. Voici trois exclusions que les architectes devraient avoir en t\u00eate.<\/p>\n","protected":false},"author":1,"featured_media":2279,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_relevanssi_hide_post":"","_relevanssi_hide_content":"","_relevanssi_pin_for_all":"","_relevanssi_pin_keywords":"","_relevanssi_unpin_keywords":"","_relevanssi_related_keywords":"","_relevanssi_related_include_ids":"","_relevanssi_related_exclude_ids":"","_relevanssi_related_no_append":"","_relevanssi_related_not_related":"","_relevanssi_related_posts":"","_relevanssi_noindex_reason":"","footnotes":""},"tags":[],"publication-type":[86],"subject":[93],"class_list":["post-648","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","publication-type-article","subject-assurance-responsabilite"],"acf":[],"yoast_head":"\n
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Voici trois exclusions que les architectes devraient avoir en t\u00eate.","og_url":"https:\/\/www.oaq.com\/ressources\/publications-ordre\/police-dassurance-trois-exclusions-a-connaitre\/","og_site_name":"Espace Ressources","article_published_time":"2023-03-30T23:04:18+00:00","article_modified_time":"2026-06-03T23:07:14+00:00","og_image":[{"width":854,"height":432,"url":"https:\/\/www.oaq.com\/ressources\/wp-content\/uploads\/sites\/2\/2026\/06\/AP-fonds-exlussions_ESQ3401-6-e1680204571995.jpeg","type":"image\/jpeg"}],"author":"vortexf","twitter_card":"summary_large_image","twitter_misc":{"\u00c9crit par":"vortexf","Estimation du temps de lecture":"5 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.oaq.com\/ressources\/publications-ordre\/police-dassurance-trois-exclusions-a-connaitre\/#article","isPartOf":{"@id":"https:\/\/www.oaq.com\/ressources\/publications-ordre\/police-dassurance-trois-exclusions-a-connaitre\/"},"author":{"name":"vortexf","@id":"https:\/\/www.oaq.com\/ressources\/#\/schema\/person\/4d2bb0caa1e03965db152049d24ce045"},"headline":"Police d\u2019assurance : trois exclusions \u00e0 conna\u00eetre","datePublished":"2023-03-30T23:04:18+00:00","dateModified":"2026-06-03T23:07:14+00:00","mainEntityOfPage":{"@id":"https:\/\/www.oaq.com\/ressources\/publications-ordre\/police-dassurance-trois-exclusions-a-connaitre\/"},"wordCount":920,"image":{"@id":"https:\/\/www.oaq.com\/ressources\/publications-ordre\/police-dassurance-trois-exclusions-a-connaitre\/#primaryimage"},"thumbnailUrl":"https:\/\/www.oaq.com\/ressources\/wp-content\/uploads\/sites\/2\/2026\/06\/AP-fonds-exlussions_ESQ3401-6-e1680204571995.jpeg","inLanguage":"fr-CA"},{"@type":"WebPage","@id":"https:\/\/www.oaq.com\/ressources\/publications-ordre\/police-dassurance-trois-exclusions-a-connaitre\/","url":"https:\/\/www.oaq.com\/ressources\/publications-ordre\/police-dassurance-trois-exclusions-a-connaitre\/","name":"Police d\u2019assurance : trois exclusions \u00e0 conna\u00eetre - 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