BUSINESS INSURANCE

This refers to any modification to the original condition of your unit. To determine what constitutes an improvement, consult the declaration of co-ownership and the initial plans of the building, which the syndicate is required to keep and make available under article 1070 of the Civil Code of Québec.

The cost of reconstruction is the amount needed to rebuild your home to its original condition after a loss, such as a fire. This amount has nothing to do with market value or municipal assessment, and always excludes the land.

With the rise of digital tools, cases of identity theft are becoming more and more frequent. Even the most reputable companies are not immune to data breaches. Here are a few concrete tips to help you prevent this type of fraud.

Fluctuating temperatures and winter conditions increase the risk of water damage in the home.