{"id":675,"date":"2024-03-15T19:31:52","date_gmt":"2024-03-15T23:31:52","guid":{"rendered":"https:\/\/www.oaq.com\/ressources\/publications-de-loaq\/comprendre-la-police-complementaire\/"},"modified":"2026-02-27T14:46:22","modified_gmt":"2026-02-27T19:46:22","slug":"comprendre-la-police-complementaire","status":"publish","type":"post","link":"https:\/\/www.oaq.com\/ressources\/publications-ordre\/comprendre-la-police-complementaire\/","title":{"rendered":"Comprendre la police compl\u00e9mentaire"},"content":{"rendered":"\n

En \u00e9tudiant attentivement les conditions, les limites de couverture et les exclusions de la police compl\u00e9mentaire, les architectes peuvent mieux appr\u00e9hender leur responsabilit\u00e9 et anticiper les situations risqu\u00e9es. Voici un aper\u00e7u de ce qu\u2019il faut savoir.<\/p>\n\n\n\n

Qu\u2019est-ce que la police d\u2019assurance compl\u00e9mentaire\u2009?<\/h2>\n\n\n\n

Les membres de l\u2019OAQ exer\u00e7ant en pratique priv\u00e9e sont tenus de souscrire cette assurance compl\u00e9mentaire aupr\u00e8s de la direction du fonds d\u2019assurance. Essentiellement, il s\u2019agit d\u2019une assurance de premi\u00e8re ligne visant \u00e0 couvrir les r\u00e9clamations pour des dommages d\u00e9coulant de fautes commises dans le cadre des services professionnels. Elle garantit le remboursement des sommes dues \u00e0 des tiers jusqu\u2019\u00e0 concurrence des limites sp\u00e9cifi\u00e9es.<\/p>\n\n\n\n

\u00c0 cet effet, la police compl\u00e9mentaire pr\u00e9cise ce qui suit : <\/p>\n\n\n\n

\n

Chapitre II \u2013 Nature et \u00e9tendue de la garantie<\/em><\/strong><\/p>\n\n\n\n

[\u2026] nous nous engageons \u00e0 payer pour votre compte, jusqu\u2019\u00e0 concurrence des limites inscrites aux CONDITIONS PARTICULI\u00c8RES, les sommes que vous pourriez \u00eatre tenu de verser \u00e0 des tiers en raison de Dommages d\u00e9coulant d\u2019une faute commise dans le cadre des Services professionnels.<\/em><\/p>\n<\/blockquote>\n\n\n\n

Cette assurance est dite de premi\u00e8re ligne, car en plus de la garantie pr\u00e9c\u00e9demment mentionn\u00e9e, la direction du fonds d\u2019assurance doit \u00e9galement assumer la d\u00e9fense des architectes dans le cadre des r\u00e9clamations qui leur sont pr\u00e9sent\u00e9es. Notons que les assureurs exc\u00e9dentaires, c\u2019est-\u00e0-dire ceux qui interviennent quand les limites de l\u2019assurance de premi\u00e8re ligne sont \u00e9puis\u00e9es, n\u2019ont pas cette obligation.<\/p>\n\n\n\n

Il est primordial de souligner que cette couverture s\u2019applique uniquement dans le cadre de contrats de services professionnels conclus avec des tiers. Par exemple, un architecte concevant un immeuble pour son usage personnel n\u2019agirait pas dans le cadre des services professionnels. Il ne b\u00e9n\u00e9ficierait d\u2019aucune couverture \u00e0 cet \u00e9gard. De m\u00eame, si ce b\u00e2timent \u00e9tait ensuite vendu \u00e0 une tierce personne et que cette personne r\u00e9clamait des dommages pour un d\u00e9faut de conception, aucune couverture ne serait offerte. Les sommes r\u00e9clam\u00e9es feraient alors l\u2019objet d\u2019une exclusion (\u00ab\u2009Exclusion relative aux dommages caus\u00e9s \u00e0 un bien dont l\u2019architecte est ou a \u00e9t\u00e9 propri\u00e9taire, seul ou avec d\u2019autres\u2009\u00bb).<\/p>\n\n\n\n

La d\u00e9finition des services professionnels<\/h2>\n\n\n\n

Bien que la notion de services professionnels vous soit famili\u00e8re, il est important de comprendre ce qu\u2019elle signifie dans le contexte de la police compl\u00e9mentaire puisqu\u2019elle en d\u00e9limite le cadre. De plus, elle est intimement li\u00e9e \u00e0 la capacit\u00e9 de l\u2019Ordre d\u2019offrir de l\u2019assurance \u00e0 ses membres. La police compl\u00e9mentaire la d\u00e9finit comme suit :<\/p>\n\n\n\n

\n

1.15. Services professionnels <\/em><\/strong><\/em><\/p>\n\n\n\n

Tous les services qui ont \u00e9t\u00e9 rendus ou qui auraient d\u00fb l\u2019\u00eatre \u00e0 des tiers par l\u2019Assur\u00e9, directement ou indirectement sous sa direction, dans le seul exercice de la profession d\u2019architecte, en tant que membre en r\u00e8gle de l\u2019Ordre des architectes du Qu\u00e9bec et pendant qu\u2019il n\u2019\u00e9tait pas exempt\u00e9 de l\u2019obligation de souscrire au Fonds et qu\u2019il \u00e9tait d\u00fbment autoris\u00e9 par l\u2019Ordre des architectes du Qu\u00e9bec \u00e0 exercer sa profession.<\/em><\/p>\n<\/blockquote>\n\n\n\n

Concr\u00e8tement, les services professionnels impliquent la conception, la planification, la supervision et la coordination de projets architecturaux. Pour \u00eatre couverts, ils doivent \u00eatre intimement li\u00e9s \u00e0 l\u2019exercice de la profession d\u2019architecte.<\/p>\n\n\n\n

Il est important de mentionner que certains actes pos\u00e9s par les architectes ne rel\u00e8vent pas de cette d\u00e9finition. C\u2019est le cas, par exemple, de la conception et de la vente de mobilier. Bien que ces aspects contribuent \u00e0 l\u2019environnement b\u00e2ti, ils sont distincts du mandat professionnel d\u2019architecture.<\/p>\n\n\n\n

Il faut aussi noter que la police compl\u00e9mentaire accorde une garantie \u00e0 l\u2019architecte m\u00eame lorsque sa responsabilit\u00e9 est mise en cause en raison de la faute commise par un ing\u00e9nieur dont il ou elle a retenu les services. Cette exception suppose cependant que le contrat intervenu entre l\u2019architecte et l\u2019ing\u00e9nieur s\u2019inscrit dans le cadre g\u00e9n\u00e9ral d\u2019un contrat de services professionnels relevant de l\u2019architecture.<\/p>\n\n\n\n

Lisez bien votre police\u2009!<\/h2>\n\n\n\n

Prenez le temps de vous familiariser avec la nature et les limites de votre police d\u2019assurance compl\u00e9mentaire afin d\u2019exercer la profession en toute connaissance de cause. Bien comprendre les conditions de cette assurance est un gage de s\u00e9r\u00e9nit\u00e9 et de professionnalisme pour quiconque participe \u00e0 un projet architectural au Qu\u00e9bec.<\/p>\n\n\n\n

Pour toute question, communiquez avec l\u2019\u00e9quipe de la direction du fonds d\u2019assurance de l\u2019OAQ. <\/p>\n","protected":false},"excerpt":{"rendered":"

La police compl\u00e9mentaire de la direction du fonds d\u2019assurance, bien que souscrite par un grand nombre d\u2019architectes, est souvent m\u00e9connue. Cette police d\u2019assurance est essentielle pour prot\u00e9ger les architectes et leur client\u00e8le. La comprendre peut \u00e9viter bien des surprises d\u00e9sagr\u00e9ables.<\/p>\n","protected":false},"author":1,"featured_media":676,"comment_status":"closed","ping_status":"open","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":"671,648,665,576,559,662","_relevanssi_noindex_reason":"","footnotes":""},"tags":[],"publication-type":[86],"subject":[74],"class_list":["post-675","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","publication-type-article","subject-responsabilite-professionnelle"],"acf":[],"yoast_head":"\nComprendre la police compl\u00e9mentaire - Espace Ressources<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.oaq.com\/ressources\/publications-ordre\/comprendre-la-police-complementaire\/\" \/>\n<meta property=\"og:locale\" content=\"fr_CA\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Comprendre la police compl\u00e9mentaire - Espace Ressources\" \/>\n<meta property=\"og:description\" content=\"La police compl\u00e9mentaire de la direction du fonds d\u2019assurance, bien que souscrite par un grand nombre d\u2019architectes, est souvent m\u00e9connue. 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