{"id":17484,"date":"2022-03-17T22:50:31","date_gmt":"2022-03-17T22:50:31","guid":{"rendered":"https:\/\/www.oiq.qc.ca\/membres\/your-obligations\/assurances-responsabilites\/"},"modified":"2026-03-25T15:55:40","modified_gmt":"2026-03-25T19:55:40","slug":"assurances-responsabilites","status":"publish","type":"page","link":"https:\/\/www.oiq.qc.ca\/en\/membres\/your-obligations\/assurances-responsabilites\/","title":{"rendered":"Assurance responsabilit\u00e9"},"content":{"rendered":"<div  class=\"block-wrapper \" data-block-name=\"Wysiwyg\">\n<div class=\"bloc-wysiwyg \">\n    <div class=\"container\">\n        <div class=\"wysiwyg \">\n\t<h2><!--StartFragment --><\/h2>\n<h2><!--StartFragment --><\/h2>\n<h2 class=\"pf0\"><span class=\"cf0\">Identifying your practice<\/span><\/h2>\n<p><strong style=\"font-size: 16px;\"><span class=\"cf0\"><span style=\"color: #0000ff;\">GENERAL PRACTICE<\/span><\/span><\/strong><\/p>\n<p><span class=\"cf0\">You are in general practice if you provide professional engineering services internally, not to your employer\u2019s clients. For example, if you design a part intended for sale: when the purpose of contracts is the sale of products and not only services, you are in general practice. <\/span><\/p>\n<p><span class=\"cf0\">Members in general practice may work, for example: <\/span><\/p>\n<ul>\n<li><span class=\"cf1\">In a manufacturing plant <\/span><\/li>\n<li><span class=\"cf1\">For the government <\/span><\/li>\n<li><span class=\"cf1\">For a municipality <\/span><\/li>\n<li><span class=\"cf1\">For a state-owned enterprise<\/span><\/li>\n<li><span class=\"cf1\">For a university, as a professor<\/span><\/li>\n<\/ul>\n<p><span class=\"cf1\">If you are in general practice, you are covered by <strong><a href=\"#part1\">part 1<\/a><\/strong>*. You automatically subscribe to part 1 during your annual registration. No additional steps are required. <\/span><\/p>\n<p><span class=\"cf1\">* Refer to the text of the <a href=\"https:\/\/www.oiq.qc.ca\/wp-content\/uploads\/Police_regime_base_EN.pdf\" target=\"_blank\" rel=\"noopener\">basic group plan policy<\/a> for complete terms and conditions.<\/span><\/p>\n<p><span style=\"color: #0000ff;\"><strong>PRIVATE PRACTICE<\/strong><\/span><\/p>\n<p>Even if you are not self-employed, when you provide professional services to a client of your employer or to a company, and your service does not include performing the actual work, you are in private practice.<\/p>\n<p><span class=\"cf1\">Examples of private practice: <\/span><\/p>\n<ul>\n<li><span class=\"cf1\">members in consulting services, whether self-employed or not; <\/span><\/li>\n<li><span class=\"cf1\">building inspectors, whether self-employed or not; <\/span><\/li>\n<li><span class=\"cf1\">members who manage projects for third parties, whether self-employed or not; <\/span><\/li>\n<li><span class=\"cf1\">members in consulting services working for a cooperative or a <\/span><span class=\"cf1\">nonprofit<\/span><span class=\"cf1\"> organization.<\/span><\/li>\n<\/ul>\n<p><span class=\"cf1\">If you are in private practice, your insurance requirement depends on the activities you perform. <strong>Refer to <a href=\"#activities\">Determine if your activities are reserved for engineers<\/a>.<\/strong><\/span><\/p>\n<p><!--StartFragment --><span style=\"color: #0000ff;\"><strong><span class=\"cf0\">OCCASIONAL PRIVATE PRACTICE<\/span><\/strong><\/span><!--EndFragment --><\/p>\n<p><span class=\"cf1\">Occasional private practice applies when the following two conditions are met: <\/span><\/p>\n<ol>\n<li><span class=\"cf1\">Your fees total $15,000 or less for professional services corresponding to activities reserved for engineers, or for pre-purchase inspection activities, provided during a 12-month period beginning April 1st of each year. <\/span><\/li>\n<li><span class=\"cf1\">You offer professional services alone and on your own behalf. This refers to a self-employed worker or an engineer working alone for a sole proprietorship, not for a corporation or legal entity (such as an incorporated company).<\/span><\/li>\n<\/ol>\n<p><span class=\"cf1\">In this situation, your practice is covered by <strong><a href=\"#part1\">part 1<\/a><\/strong>. <\/span><\/p>\n<p><span class=\"cf1\">If you do not meet these conditions, you must subscribe in <strong><a href=\"#part2\">part 2<\/a><\/strong>.<\/span><\/p>\n<p><span class=\"cf1\">Examples where occasional private practice does not apply: <\/span><\/p>\n<ul>\n<li><span class=\"cf1\">You provide your services thougth ugh a general partnership or a corporation. In this case, you are not considered as self-employed even if you work alone within your company and your fees are less than $15,000. Therefore, you are not eligible for occasional private practice and you must subscribe to <strong><a href=\"#part2\">part 2<\/a><\/strong>. <\/span><\/li>\n<li><span class=\"cf1\">You hold a temporary restrictive engineering permit. In this case, you do not work alone but rather under the direct supervision of an engineer. Therefore, you are not eligible for occasional private practice and must subscribe to<strong> <a href=\"#part2\">part\u00a02<\/a>. <\/strong><\/span><!--EndFragment --><\/li>\n<\/ul>\n\n<\/div>    <\/div>\n<\/div>\n<\/div>\n\n\n<p><span id=\"activities\">&nbsp;<\/span><\/p>\n\n\n<div  class=\"block-wrapper \" data-block-name=\"Wysiwyg\">\n<div class=\"bloc-wysiwyg \">\n    <div class=\"container\">\n        <div class=\"wysiwyg \">\n\t<p><!--StartFragment --><!--StartFragment --><\/p>\n<h2><!--StartFragment --><\/h2>\n<h2 class=\"pf0\"><span class=\"cf0\">Determine If Your Activities Are Reserved For Engineers <\/span><\/h2>\n<p><span style=\"font-size: 16px;\">Your insurance requirement varies depending on whether your activities are reserved for engineers or not.<\/span><\/p>\n<p><!--StartFragment --><\/p>\n<p><strong><span class=\"cf0\"><span style=\"color: #0046f0;\">ACTIVITIES RESERVED FOR ENGINEERS<\/span> <\/span><\/strong><\/p>\n<p>Reserved activities are not limited to signing plans.<\/p>\n<p><span class=\"cf0\">The Guide de pratique professionnelle (Professional Practice Guide, in French only) clarifies the concepts of engineering and reserved activities defined by the Engineers Act. Consult its <a href=\"https:\/\/gpp.oiq.qc.ca\/Start.htm?#t=Exercice_de_l_ingenierie_et_activites_reservees_a_l_ingenieur.htm\" target=\"_blank\" rel=\"noopener\">Section \u201cExercice de l\u2019ing\u00e9nierie et activit\u00e9s r\u00e9serv\u00e9es \u00e0 l\u2019ing\u00e9nieur\u201d<\/a> to help you identify your type of activities.<\/span><\/p>\n<p><span class=\"cf0\">Examples of activities reserved for engineers: <\/span><\/p>\n<ul>\n<li><span class=\"cf1\">You give a verbal opinion on a structural element of a building; <\/span><\/li>\n<li><span class=\"cf1\">You supervise the work on a structure and inspect the project; <\/span><\/li>\n<li><span class=\"cf1\">You modify a specification sheet or a decommissioning plan; <\/span><\/li>\n<li><span class=\"cf1\">You prepare or authenticate the operating manual of industrial equipment; <\/span><\/li>\n<li><span class=\"cf1\">You write the specifications for software intended to automate industrial equipment.<\/span><\/li>\n<\/ul>\n<p><span class=\"cf1\">If you are in private practice and your reserved professional activities are performed from Quebec or relate to works located in Quebec, refer to <a href=\"#part2\">part 2<\/a>. <\/span><\/p>\n<p><span class=\"cf0\" style=\"color: #0046f0;\"><strong>ACTIVITIES NOT RESERVED FOR ENGINEERS<\/strong> <\/span><\/p>\n<p>Activities not reserved for engineers can be divided into two categories: those that are part of the practice of engineering and those that are not.<\/p>\n<p><span class=\"cf1\" style=\"color: #0046f0;\"><strong>Activities that are part of engineering practice<\/strong> <\/span><\/p>\n<p><span class=\"cf1\">Activities that correspond to engineering work as defined in Section 1.1 of the <a href=\"https:\/\/www.legisquebec.gouv.qc.ca\/fr\/document\/lc\/i-9?langCont=en\" target=\"_blank\" rel=\"noopener\">Engineers Act<\/a> are considered part of the practice of engineering, even if those activities are not reserved for engineers. <\/span><\/p>\n<p><span class=\"cf1\">Examples: <\/span><\/p>\n<ul>\n<li><span class=\"cf1\">You manage engineering projects without issuing any verbal or written compliance notices;<\/span><\/li>\n<li><span class=\"cf1\">You conduct research on a new material;<\/span><\/li>\n<li><span class=\"cf1\">You carryout environmental impact assessments for road construction projects.<\/span><\/li>\n<\/ul>\n<p><span class=\"cf1\">Refer to the Section on engineering work (<a href=\"https:\/\/gpp.oiq.qc.ca\/Start.htm?#t=Exercice_de_l_ingenierie_et_activites_reservees_a_l_ingenieur.htm\" target=\"_blank\" rel=\"noopener\">Exercice de l\u2019ing\u00e9nierie et activit\u00e9s r\u00e9serv\u00e9es \u00e0 l\u2019ing\u00e9nieur<\/a>, in French only) in the Guide de pratique professionnelle, to help you identify which types of activities apply to you. <\/span><\/p>\n<p><span class=\"cf0\">If you carry out non-reserved activities in your engineering practice, you may be subject to the requirements of the <a href=\"https:\/\/www.legisquebec.gouv.qc.ca\/fr\/document\/lc\/c-26?langCont=en\" target=\"_blank\" rel=\"noopener\">Professional Code<\/a>. See <strong><a href=\"#part3\">part 3<\/a><\/strong>.<\/span><\/p>\n<p><span class=\"cf0\" style=\"color: #0046f0;\"><strong>Activities that are not part of engineering practice<\/strong> <\/span><\/p>\n<p><span class=\"cf0\">You are not required to have insurance if your activities do not meet the characteristics of engineering work defined by Section 1.1 of the <a href=\"https:\/\/www.legisquebec.gouv.qc.ca\/fr\/document\/lc\/i-9?langCont=en\">Engineers Act<\/a>. <\/span><\/p>\n<p><span class=\"cf0\">Examples: <\/span><\/p>\n<ul>\n<li><span class=\"cf1\">You work as an estimator for a construction contractor; <\/span><\/li>\n<li><span class=\"cf1\">You teach, without giving an opinion on an ongoing project; <\/span><\/li>\n<li><span class=\"cf1\">You make technical product presentations for sales purposes. <\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n\n<\/div>    <\/div>\n<\/div>\n<\/div>\n\n\n<p><span id=\"part1\">&nbsp;<\/span><\/p>\n\n\n<div  class=\"block-wrapper \">\n<div class=\"drawers-preview\">\n    <div class=\"container\">\n        <div class=\"dp-wrapper\">\n                            <div class=\"drawer-item-preview\" data-component=\"drawerItemPreview\">\n    <div class=\"drawer-title\">\n        <h5 >PART 1: BASIC GROUP INSURANCE PLAN<\/h5>\n        <div class=\"drawer-arrow\"><svg width=\"19px\" height=\"21px\" viewBox=\"0 0 19 21\" version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\">\n    <g id=\"Symbols\" stroke=\"none\" stroke-width=\"1\" fill=\"none\" fill-rule=\"evenodd\" stroke-linecap=\"round\">\n    <g id=\"Tiroir-\/-ferm\u00e9-avec-apercu\" transform=\"translate(-721.000000, -110.000000)\" stroke=\"#0046F0\"\n           stroke-width=\"2\" class=\"stroke\">\n            <g id=\"Group\" transform=\"translate(720.759431, 110.240569)\">\n                <g id=\"icon\/arrow-mini-copy-3\" transform=\"translate(10.000000, 10.000000) rotate(90.000000) translate(-10.000000, -10.000000) \">\n                    <path d=\"M1,10 L18.531388,10 M11.245014,2 L19,10.235498 M11.245014,18 L19,9.76450199\" id=\"Combined-Shape\"><\/path>\n                <\/g>\n            <\/g>\n        <\/g>\n    <\/g>\n<\/svg>\n<\/div>\n    <\/div>\n    <div class=\"drawer-content\" style=\"display: none;\">\n        <div class=\"wysiwyg \">\n\t<p><span class=\"cf0\">You are automatically subscribed in part 1during your annual registration. <\/span><\/p>\n<p><span class=\"cf0\">This part covers you in the following situations: <\/span><\/p>\n<ul>\n<li><span class=\"cf1\">You are in general practice;<\/span><\/li>\n<li><span class=\"cf1\">You perform reserved activities in occasional private practice, according to the limits and conditions of the insurance policy*;<\/span><\/li>\n<li><span class=\"cf1\">You perform non-reserved professional activities in private practice and work alone on your own account, according to the limits and conditions of the insurance policy*;<\/span><\/li>\n<li><span class=\"cf1\">You worked in private practice and the coverage under the OIQ\u2019s supplementary group plan ended, unless another valid and recoverable insurance is available. You report to the OIQ: <\/span>\n<ul>\n<li><span class=\"cf1\">an act derogatory to the dignity of the profession <\/span><\/li>\n<li><span class=\"cf1\">a situation of illegal practice <\/span><\/li>\n<li><span class=\"cf1\">work considered dangerous for public safety<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p><span class=\"cf1\">* Refer to the <a href=\"https:\/\/www.oiq.qc.ca\/wp-content\/uploads\/Police_regime_base_EN.pdf\" target=\"_blank\" rel=\"noopener\">basic group plan policy<\/a> for full conditions. <\/span><\/p>\n<p><span class=\"cf1\"><strong>This part features:<\/strong> <\/span><\/p>\n<ul>\n<li><span class=\"cf1\">Coverage of $250,000 per claim and $500,000 for all claims arising from professional services provided for a project, for all engineering disciplines. <\/span><\/li>\n<li><span class=\"cf1\">Coverage for as long as you remain a member of the OIQ, and for five years after you cease to be a member. <\/span><\/li>\n<li><span class=\"cf1\">Coverage for the succession and legal heirs of an engineer for up to five years following their death.<\/span><\/li>\n<\/ul>\n<p><span class=\"cf1\">If you feel the minimum amounts guaranteed by the R<\/span><span class=\"cf0\">\u00e8glement are not sufficient for your practice, we suggest you assess your insurance needs with the broker. <\/span><\/p>\n<p><span class=\"cf0\">See Sections 1 and 2 of the <a href=\"https:\/\/www.legisquebec.gouv.qc.ca\/fr\/document\/rc\/I-9,%20r.%201.2%20\/#:~:text=I.,OPQ%202020%2D407%2C%20a\" target=\"_blank\" rel=\"noopener\">R\u00e8glement<\/a><\/span><\/p>\n<p><span class=\"cf0\">Want more details on the basic group plan? See the insurance <a href=\"https:\/\/www.oiq.qc.ca\/wp-content\/uploads\/Certificat-EN.pdf\" target=\"_blank\" rel=\"noopener\">certificate<\/a> and <a href=\"https:\/\/www.oiq.qc.ca\/wp-content\/uploads\/Police_regime_base_EN.pdf\" target=\"_blank\" rel=\"noopener\">policy<\/a> . <\/span><\/p>\n<p>&nbsp;<\/p>\n\n<\/div>        <div class=\"drawer-gradient\"><\/div>\n    <\/div>\n<\/div>\n                    <\/div>\n    <\/div>\n<\/div>\n<\/div>\n\n\n<p><span id=\"part2\">&nbsp;<\/span><\/p>\n\n\n<div  class=\"block-wrapper \">\n<div class=\"drawers-preview\">\n    <div class=\"container\">\n        <div class=\"dp-wrapper\">\n                            <div class=\"drawer-item-preview\" data-component=\"drawerItemPreview\">\n    <div class=\"drawer-title\">\n        <h5 >PART 2: GROUP SUPPLEMENTARY INSURANCE PLAN\u00a0\u00a0<\/h5>\n        <div class=\"drawer-arrow\"><svg width=\"19px\" height=\"21px\" viewBox=\"0 0 19 21\" version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\">\n    <g id=\"Symbols\" stroke=\"none\" stroke-width=\"1\" fill=\"none\" fill-rule=\"evenodd\" stroke-linecap=\"round\">\n    <g id=\"Tiroir-\/-ferm\u00e9-avec-apercu\" transform=\"translate(-721.000000, -110.000000)\" stroke=\"#0046F0\"\n           stroke-width=\"2\" class=\"stroke\">\n            <g id=\"Group\" transform=\"translate(720.759431, 110.240569)\">\n                <g id=\"icon\/arrow-mini-copy-3\" transform=\"translate(10.000000, 10.000000) rotate(90.000000) translate(-10.000000, -10.000000) \">\n                    <path d=\"M1,10 L18.531388,10 M11.245014,2 L19,10.235498 M11.245014,18 L19,9.76450199\" id=\"Combined-Shape\"><\/path>\n                <\/g>\n            <\/g>\n        <\/g>\n    <\/g>\n<\/svg>\n<\/div>\n    <\/div>\n    <div class=\"drawer-content\" style=\"display: none;\">\n        <div class=\"wysiwyg \">\n\t<p>If you are in private practice performing activities reserved for engineers, you must be covered by this supplementary group plan, unless an exemption applies (See <a href=\"https:\/\/www.oiq.qc.ca\/wp-content\/uploads\/20251110_page_Reduction_prime_ARP_FR_ang_Version_Finale.pdf\">Possible exemptions to the supplementary group plan<\/a>).<\/p>\n<p>Part 2 is managed exclusively by the broker authorized by the OIQ. You must contact BFL CANADA to subscribe. Contact information for BFL appears at the bottom of the page.<\/p>\n<p>Please note that, since November 2024, the <a href=\"https:\/\/www.legisquebec.gouv.qc.ca\/fr\/document\/lc\/C-26?langcont=en\">Professional Code<\/a> states that if you work for an organization whose juridical form is a legal person or a limited liability partnership (S.E.N.C.R.L.), and that organization mainly offers engineering services, the insured named on the part 2 policy must be the company employing you, not just yourself. The policy must not be restricted to engineers employed by the company.<\/p>\n<p><strong>The Regulation provides for this plan:<\/strong><\/p>\n<ul>\n<li>Minimum coverage of $500,000 per loss and $1,000,000 for all losses arising during a year, if you personally subscribe to the supplemental group plan (Section 4 of the <a href=\"https:\/\/www.legisquebec.gouv.qc.ca\/fr\/document\/rc\/I-9,%20r.%201.2?&amp;cible=\">R\u00e8glement<\/a>).<\/li>\n<li>Minimum coverage of $1,000,000 per loss and $2,000,000 for all for all losses arising during a year if your company or employer subscribes to the plan (Section 5 of the <a href=\"https:\/\/www.legisquebec.gouv.qc.ca\/fr\/document\/rc\/I-9,%20r.%201.2%20\/#:~:text='I.,OPQ%202020%2D407%2C%20a'\">R\u00e8glement<\/a>, paragraph 5, subparagraph a).<\/li>\n<\/ul>\n<p>Coverage for five years after the last act performed in private practice, even in case of job termination, cessation of activities, retirement, or bankruptcy.\u00a0*<\/p>\n<p>*Refer to the policy for full conditions.<\/p>\n<p>If you feel the minimum amounts guaranteed by the <a href=\"https:\/\/www.legisquebec.gouv.qc.ca\/fr\/document\/rc\/I-9,%20r.%201.2%20\/#:~:text='I.,OPQ%202020%2D407%2C%20a'\">R\u00e8glement<\/a> are not sufficient for your practice, we suggest you assess your insurance needs with the broker.<\/p>\n<p>It is important to note that any engineer working in private practice performing reserved activities is subject to this requirement, regardless of your type of permit.<\/p>\n<p>Want more details on the supplementary group plan? See its <a href=\"https:\/\/www.oiq.qc.ca\/wp-content\/uploads\/Police_Regime_Complementaire_EN.pdf\" target=\"_blank\" rel=\"noopener\">insurance policy<\/a> .<\/p>\n<p>See <a href=\"https:\/\/www.legisquebec.gouv.qc.ca\/fr\/document\/rc\/I-9,%20r.%201.2%20\/#:~:text='I.,OPQ%202020%2D407%2C%20a'\">Sections 3, 4, and 5 of the R\u00e8glement<\/a><\/p>\n<p>&nbsp;<\/p>\n\n<\/div>        <div class=\"drawer-gradient\"><\/div>\n    <\/div>\n<\/div>\n                    <\/div>\n    <\/div>\n<\/div>\n<\/div>\n\n\n<p><span id=\"part3\">&nbsp;<\/span><\/p>\n\n\n<div  class=\"block-wrapper \">\n<div class=\"drawers-preview\">\n    <div class=\"container\">\n        <div class=\"dp-wrapper\">\n                            <div class=\"drawer-item-preview\" data-component=\"drawerItemPreview\">\n    <div class=\"drawer-title\">\n        <h5 >PART 3 &#8211; GROUP PLAN FOR NON-RESERVED ACTIVITIES WITHIN AN ORGANIZATION<\/h5>\n        <div class=\"drawer-arrow\"><svg width=\"19px\" height=\"21px\" viewBox=\"0 0 19 21\" version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\">\n    <g id=\"Symbols\" stroke=\"none\" stroke-width=\"1\" fill=\"none\" fill-rule=\"evenodd\" stroke-linecap=\"round\">\n    <g id=\"Tiroir-\/-ferm\u00e9-avec-apercu\" transform=\"translate(-721.000000, -110.000000)\" stroke=\"#0046F0\"\n           stroke-width=\"2\" class=\"stroke\">\n            <g id=\"Group\" transform=\"translate(720.759431, 110.240569)\">\n                <g id=\"icon\/arrow-mini-copy-3\" transform=\"translate(10.000000, 10.000000) rotate(90.000000) translate(-10.000000, -10.000000) \">\n                    <path d=\"M1,10 L18.531388,10 M11.245014,2 L19,10.235498 M11.245014,18 L19,9.76450199\" id=\"Combined-Shape\"><\/path>\n                <\/g>\n            <\/g>\n        <\/g>\n    <\/g>\n<\/svg>\n<\/div>\n    <\/div>\n    <div class=\"drawer-content\" style=\"display: none;\">\n        <div class=\"wysiwyg \">\n\t<p>Part 3 concerns you if your employer is an organization that mainly provides engineering services and you perform only activities not reserved for engineers.<\/p>\n<p>Part 3 allows you to comply with the amendment to Section 187.11 of the <a href=\"https:\/\/www.legisquebec.gouv.qc.ca\/fr\/document\/lc\/c-26?langCont=en\" target=\"_blank\" rel=\"noopener\">Professional Code<\/a> in effect since November 7, 2024, which requires engineers to demonstrate that their employer holds professional liability insurance (PLI) at least equivalent to that prescribed in Section 2 of the <a href=\"https:\/\/www.legisquebec.gouv.qc.ca\/fr\/document\/rc\/I-9,%20r.%201.2%20\/#:~:text='I.,OPQ%202020%2D407%2C%20a'\" target=\"_blank\" rel=\"noopener\">R\u00e8glement sur l\u2019assurance de la responsabilit\u00e9 professionnelle des ing\u00e9nieurs<\/a> (Regulation respecting professional liability insurance for engineers, in French only) (\u201cR\u00e8glement\u201d).<\/p>\n<p>You are subject to Section 187.11 of the <a href=\"https:\/\/www.legisquebec.gouv.qc.ca\/fr\/document\/lc\/c-26?langCont=en\" target=\"_blank\" rel=\"noopener\">Professional Code<\/a> if all of the following conditions apply to your situation:<\/p>\n<ul>\n<li>You are in private practice.<\/li>\n<li>You never perform activities reserved for engineers.<\/li>\n<li>The main activity of the organization employing you is to provide engineering services. Examples of engineering services:\n<ul>\n<li>Consulting services.<\/li>\n<li>Management: considered part of engineering when the project to be managed involves the execution of an engineering work.<\/li>\n<\/ul>\n<\/li>\n<li>The juridical form of the organization employing you is a legal person or a limited liability partnership (S.E.N.C.R.L.). Examples of legal person: business corporation, cooperatives.<\/li>\n<\/ul>\n<p>You are not concerned if you are employed by a general partnership, a limited partnerships, or a sole proprietorship. You are also not concerned if you are self-employed (you work alone and on your own account).<\/p>\n<p>If you are subject, you must provide proof that your organization subscribes to part 3, unless it already subscribes to part 2 or holds an exemption under Section 6 of the <a href=\"https:\/\/www.legisquebec.gouv.qc.ca\/fr\/document\/rc\/I-9,%20r.%201.2%20\/#:~:text='I.,OPQ%202020%2D407%2C%20a'\" target=\"_blank\" rel=\"noopener\">R\u00e8glement<\/a>.<\/p>\n<p>Part 3 is managed exclusively by the broker authorized by the OIQ. The organization employing you must contact BFL CANADA to subscribe. Ask the person responsible for your employer\u2019s insurance file to contact BFL CANADA whose contact information appears at the bottom of the page.<\/p>\n<p><strong>This plan features:<\/strong><\/p>\n<p>The possibility for the organization to use an existing policy, known as an associated policy. In this case, the organization will choose option 1. If the organization does not have an associated policy, it will choose option 2, which offers the full coverage required by the <a href=\"https:\/\/www.legisquebec.gouv.qc.ca\/fr\/document\/lc\/C-26?langcont=en\" target=\"_blank\" rel=\"noopener\">Professional Code<\/a>.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-medium wp-image-48103\" src=\"https:\/\/www.oiq.qc.ca\/wp-content\/uploads\/schema-arp-an-300x289.png\" alt=\"\" width=\"300\" height=\"289\" \/>OPTION 1 provides a policy offering only the 5-year coverage after the last act performed in private practice, even in case of job termination, cessation of activities, retirement, or bankruptcy. *<br \/>\nOption 1 is only available if the organization holds a recognized equivalent policy.<br \/>\nOPTION 2 provides, in particular, the 4 conditions prescribed in Section 2 of the R\u00e8glement, as well as the five-year coverage after the last act performed in private practice, even in case of job termination, cessation of activities, retirement, or bankruptcy. *<br \/>\n*Refer to the policy for full conditions.<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"color: #0000ff;\"><strong>RECOGNIZED EQUIVALENT POLICY<\/strong><\/span><br \/>\nA policy is considered equivalent, and accepted as an associated policy, if it provides at least the 4 following conditions, prescribed in Section 2 of the R\u00e8glement:<\/p>\n<ol>\n<li>An amount of coverage of at least $250,000 per loss and at least $500,000 for all losses arising during the year or losses that arose before it but for which a claim is field during that year;<\/li>\n<li>An undertaking by the insurer to pay, on behalf of the insured, up to the amount of coverage any amount that the insured may be legally required to pay to a third party as damages\/interest in respect of a loss that arises during the period of coverage, or a loss that arose before it but is the subject of a claim filed during the period of coverage and resulting from a fault committed by the insured in the practice of the profession;<\/li>\n<li>An undertaking by the insurer to deny coverage only after having provided written notice to the insured and the Secretary of the OIQ;<\/li>\n<li>An undertaking by the insurer to provide the Secretary of the OIQ with a notice of at least 90 days before terminating or not renewing the insurance contract.<\/li>\n<\/ol>\n<p>The organization required to subscribe to part 3 must provide proof to BFL CANADA that it holds an equivalent policy.<\/p>\n<p>It is important to note that any engineer working in private practice within such an organization must comply with this requirement, regardless of the type of permit held.<\/p>\n<p>Want more details on the part for the exercise of non-reserved activities in organizations? See its policies <a href=\"https:\/\/www.oiq.qc.ca\/wp-content\/uploads\/Police_regime_exercice_activites_non_reservees_organisation_option_1_EN.pdf\" target=\"_blank\" rel=\"noopener\">Option 1<\/a> and <a href=\"https:\/\/www.oiq.qc.ca\/wp-content\/uploads\/Police_regime_exercice_activites_non_reservees_option_2_EN.pdf\" target=\"_blank\" rel=\"noopener\">Option 2<\/a> .<br \/>\nSee Section 2 of the <a href=\"https:\/\/www.legisquebec.gouv.qc.ca\/fr\/document\/rc\/I-9,%20r.%201.2%20\/\" target=\"_blank\" rel=\"noopener\">R\u00e8glement<\/a><br \/>\nSee Section 187.11 of the <a href=\"https:\/\/www.legisquebec.gouv.qc.ca\/fr\/document\/lc\/C-26?langcont=en\" target=\"_blank\" rel=\"noopener\">Professional Code<\/a><\/p>\n\n<\/div>        <div class=\"drawer-gradient\"><\/div>\n    <\/div>\n<\/div>\n                    <\/div>\n    <\/div>\n<\/div>\n<\/div>\n\n\n<div  class=\"block-wrapper \">\n<div class=\"drawers-preview\">\n    <div class=\"container\">\n        <div class=\"dp-wrapper\">\n                            <div class=\"drawer-item-preview\" data-component=\"drawerItemPreview\">\n    <div class=\"drawer-title\">\n        <h5 >POSSIBLE EXEMPTIONS TO THE SUPPLEMENTARY GROUP PLAN<\/h5>\n        <div class=\"drawer-arrow\"><svg width=\"19px\" height=\"21px\" viewBox=\"0 0 19 21\" version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\">\n    <g id=\"Symbols\" stroke=\"none\" stroke-width=\"1\" fill=\"none\" fill-rule=\"evenodd\" stroke-linecap=\"round\">\n    <g id=\"Tiroir-\/-ferm\u00e9-avec-apercu\" transform=\"translate(-721.000000, -110.000000)\" stroke=\"#0046F0\"\n           stroke-width=\"2\" class=\"stroke\">\n            <g id=\"Group\" transform=\"translate(720.759431, 110.240569)\">\n                <g id=\"icon\/arrow-mini-copy-3\" transform=\"translate(10.000000, 10.000000) rotate(90.000000) translate(-10.000000, -10.000000) \">\n                    <path d=\"M1,10 L18.531388,10 M11.245014,2 L19,10.235498 M11.245014,18 L19,9.76450199\" id=\"Combined-Shape\"><\/path>\n                <\/g>\n            <\/g>\n        <\/g>\n    <\/g>\n<\/svg>\n<\/div>\n    <\/div>\n    <div class=\"drawer-content\" style=\"display: none;\">\n        <div class=\"wysiwyg \">\n\t<p>If, as an engineer, you provide professional services to a client other than your employer or your company (i.e., you are in private practice), you may be eligible for an exemption from the group supplementary insurance plan. However, certain conditions apply.<\/p>\n<p><span style=\"color: #0000ff;\"><strong>Scenario 1.<\/strong><\/span><br \/>\nYou work exclusively for a public body or a federal institution as defined in the following legislation.<\/p>\n<p>Sources:<\/p>\n<ul>\n<li><strong><a href=\"https:\/\/laws-lois.justice.gc.ca\/fra\/lois\/a-1\/page-1.html#h-189\" target=\"_blank\" rel=\"noopener\">Act respecting Access to documents held by public bodies and the Protection of personal information (chapter A-2.1)<\/a>, Section 3<\/strong><\/li>\n<li><strong><a href=\"https:\/\/laws-lois.justice.gc.ca\/fra\/lois\/a-1\/page-1.html#h-189\" target=\"_blank\" rel=\"noopener\">Access to Information Act (R.S.C., 1985, c. A-1)<\/a>, Section 3<\/strong><\/li>\n<li><a href=\"https:\/\/www.legisquebec.gouv.qc.ca\/fr\/document\/rc\/I-9,%20r.%201.2%20\/#:~:text=I.,OPQ%202020%2D407%2C%20a\">R\u00e8glement sur l\u2019assurance de la responsabilit\u00e9 professionnelle des ing\u00e9nieurs<\/a>, Section 5, subparagraph 1<\/li>\n<\/ul>\n<p><span style=\"color: #0000ff;\"><strong>Scenario 2.<\/strong><\/span><br \/>\nYou perform duties for a public body or federal institution who covers liability that may incur as a result of faults committed by you while practicing your profession (these institutions and bodies are listed in the legislation below). For example, if you are a design approval representative and you hold a delegation of authority issued by Transport Canada.<\/p>\n<p>In this case, you need to update your OIQ profile to indicate your private practice status. Specify that you practise in the field of aeronautical or aerospace engineering and that a public body or federal institution serves as a guarantor for your work. If this scenario applies, but you do not practise in the fields of aeronautical or aerospace engineering, make sure to forward this information to the OIQ.<\/p>\n<p>Sources:<\/p>\n<ul>\n<li><a href=\"https:\/\/laws-lois.justice.gc.ca\/fra\/lois\/a-1\/page-1.html#h-189\" target=\"_blank\" rel=\"noopener\">Act respecting Access to documents held by public bodies and the Protection of personal information (chapter A-2.1)<\/a>, Section 3<\/li>\n<li><a href=\"https:\/\/laws-lois.justice.gc.ca\/fra\/lois\/a-1\/page-1.html#h-189\" target=\"_blank\" rel=\"noopener\">Access to Information Act (R.S.C., 1985, c. A-1)<\/a>, Section 3<\/li>\n<li><a href=\"https:\/\/www.legisquebec.gouv.qc.ca\/fr\/document\/rc\/I-9,%20r.%201.2%20\/#:~:text=I.,OPQ%202020%2D407%2C%20a\" target=\"_blank\" rel=\"noopener\">R\u00e8glement sur l\u2019assurance de la responsabilit\u00e9 professionnelle des ing\u00e9nieurs<\/a>, Section 5, subparagraph 2<\/li>\n<\/ul>\n<p><span style=\"color: #0000ff;\"><strong>Scenario 3.<\/strong><\/span><\/p>\n<p>As an engineer, you perform duties on behalf of a partnership or employer covered by an insurance policy that meets the conditions listed in Section 6 of the following R\u00e8glement.<\/p>\n<p>Sources:<\/p>\n<ul>\n<li><a href=\"https:\/\/www.legisquebec.gouv.qc.ca\/fr\/document\/rc\/I-9,%20r.%201.2%20\/#:~:text=I.,OPQ%202020%2D407%2C%20a\" target=\"_blank\" rel=\"noopener\">R\u00e8glement sur l\u2019assurance de la responsabilit\u00e9 professionnelle des ing\u00e9nieurs, Section 6<\/a><\/li>\n<\/ul>\n<p>If your company\u2019s or employer\u2019s professional liability insurance meets all the conditions listed in Section 6 of the R\u00e8glement and you wish to apply for an exemption, <a href=\"https:\/\/www.oiq.qc.ca\/nous-joindre-sujet\/assurances-reclamation\/\" target=\"_blank\" rel=\"noopener\">contact the OIQ<\/a> to obtain the required forms.<\/p>\n<p>In addition, your company or employer must submit a report to the OIQ every six months from the date on which the exemption was granted. The report form includes the following:<\/p>\n<ul>\n<li>any claims pertaining to the engineer\u2019s professional liability<\/li>\n<li>any declarations of incident made to the partnership\u2019s or employer\u2019s insurer<\/li>\n<\/ul>\n\n<\/div>        <div class=\"drawer-gradient\"><\/div>\n    <\/div>\n<\/div>\n                    <\/div>\n    <\/div>\n<\/div>\n<\/div>\n\n\n<div  class=\"block-wrapper \" data-block-name=\"Nouvelle Section\">\n<div class=\"new-section \" >\n        <div class=\"ns-container\">\n                            <div class=\"ns-inner\">\n                    <div class=\"ns-content\">\n                        <div class=\"container\">\n                            <div class=\"row\">\n                                <div class=\"col-12\">\n                                    <div class=\"ns-title\">\n                                                                                    <h2 class=\"ns-title\">OUR INSURANCE BROKER AND INSURANCE MANAGER<\/h2>\n                                                                            <\/div>\n                                <\/div>\n                                <div class=\"col-12\">\n                                    <div class=\"ns-txt\">\n                                                                                    <div class=\"wysiwyg \">\n\t<p><strong><span class=\"cf0\">The OIQ has an exclusive contract with the broker BFL CANADA.<\/span><\/strong><\/p>\n<p><strong><span class=\"cf0\">BFL CANADA<\/span><\/strong><\/p>\n<p><span class=\"cf0\">2001, avenue McGill College, suite 2200<\/span><\/p>\n<p><span class=\"cf0\">Montr\u00e9al, Qu\u00e9bec H3A 1G1<\/span><\/p>\n<p><span class=\"cf0\">Tel.: 514-315-4529 or 1-833-315-4529<\/span><\/p>\n<p><span class=\"cf0\">Email: ingenieur@bflcanada.ca<\/span><\/p>\n<p><span class=\"cf0\">The insurance manager for the group plans is Victor Insurance Managers Inc.<\/span><\/p>\n\n<\/div>                                                                            <\/div>\n                                <\/div>\n                            <\/div>\n                        <\/div>\n                    <\/div>\n                                    <\/div>\n                    <\/div>\n    <\/div>\n\n<script>\n    $(window).load(function() {\n        let hash = window.location.hash;\n        if (hash) {\n            $('html,body').animate({ scrollTop: $(hash).offset().top - 60 }, 'slow');\n        }\n    });\n<\/script>\n<\/div>\n\n\n<div  class=\"block-wrapper \">\n<div class=\"message is-dark\">\n      <div class=\"message-wrapper container\">\n          <div class=\"row\">\n              <div class=\"col-12 mw-inner\">\n                  <div class=\"message-inner\">\n                      <div class=\"message-header\">\n                                                    <div class=\"message-content\">\n                                                                <div class=\"message-title\">\n                                      <h2>Don\u2019t forget to disclose your claims!<\/h2>\n                                  <\/div>\n                                                            <div class=\"message-txt\">\n                                  <div class=\"wysiwyg \">\n\t<p class=\"pf0\"><span class=\"cf0\">Engineers must notify their clients, their insurer, and the OIQ immediately if a claim is made against them under the professional liability insurance plans. Refer to the claims page for more information on how to proceed and what conditions apply<\/span><\/p>\n\n<\/div>                              <\/div>\n                              <div class=\"message-footer no-icon \">\n                                                                <div class=\"message-btns\">\n                                                                                                                        <a href=\"https:\/\/www.oiq.qc.ca\/membres\/obligations-des-membres\/assurances-responsabilites\/reclamations\/\" target=\"\" class=\"btn-arrow bordered is-white\">\n                                <span class=\"label\">Go to Claims<\/span>\n                        \n        <span class=\"icon reset-font\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10.582\" height=\"18.826\" viewBox=\"0 0 10.582 18.826\">\n\t<g id=\"Groupe_9\" data-name=\"Groupe 9\" transform=\"translate(-8.831 1.414)\">\n\t\t<g id=\"Groupe_8\" data-name=\"Groupe 8\">\n\t\t\t<path id=\"Line\" d=\"M0,0,7.755,8.235\" transform=\"translate(10.244)\" fill=\"currentColor\" stroke=\"currentColor\"\n\t\t\t      stroke-linecap=\"round\" stroke-miterlimit=\"10\" stroke-width=\"2\" class=\"fill\"\/>\n\t\t\t<path id=\"Line-2\" data-name=\"Line\" d=\"M0,8.235,7.755,0\" transform=\"translate(10.244 7.764)\"\n\t\t\t      fill=\"currentColor\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-miterlimit=\"10\" stroke-width=\"2\" class=\"fill\"\/>\n\t\t<\/g>\n\t<\/g>\n<\/svg>\n<\/span>\n    <\/a>\n                                                                                                            <\/div>\n                                                              <\/div>\n                          <\/div>\n                      <\/div>\n                  <\/div>\n              <\/div>\n          <\/div>\n        <\/div>\n<\/div>\n<\/div>\n\n\n<div  class=\"block-wrapper \">\n<div class=\"message\">\n      <div class=\"message-wrapper container\">\n          <div class=\"row\">\n              <div class=\"col-12 mw-inner\">\n                  <div class=\"message-inner\">\n                      <div class=\"message-header\">\n                                                    <div class=\"message-content\">\n                                                                <div class=\"message-title\">\n                                      <h2>You may be eligible for a discount on your premiums<\/h2>\n                                  <\/div>\n                                                            <div class=\"message-txt\">\n                                  <div class=\"wysiwyg \">\n\t<p><span class=\"cf0\">If you are in private practice and are covered under the group supplementary plan, you may be eligible for a discount on your professional liability insurance premiums.<\/span><\/p>\n<p>&nbsp;<\/p>\n\n<\/div>                              <\/div>\n                              <div class=\"message-footer no-icon \">\n                                                                <div class=\"message-btns\">\n                                                                                                                        <a href=\"https:\/\/www.oiq.qc.ca\/wp-content\/uploads\/20251110_page_Reduction_prime_ARP_FR_ang_Version_Finale.pdf\" target=\"_blank\" class=\"btn-arrow bordered is-blue\">\n                                <span class=\"label\">TO LEARN MORE<\/span>\n                        \n        <span class=\"icon reset-font\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10.582\" height=\"18.826\" viewBox=\"0 0 10.582 18.826\">\n\t<g id=\"Groupe_9\" data-name=\"Groupe 9\" transform=\"translate(-8.831 1.414)\">\n\t\t<g id=\"Groupe_8\" data-name=\"Groupe 8\">\n\t\t\t<path id=\"Line\" d=\"M0,0,7.755,8.235\" transform=\"translate(10.244)\" fill=\"currentColor\" stroke=\"currentColor\"\n\t\t\t      stroke-linecap=\"round\" stroke-miterlimit=\"10\" stroke-width=\"2\" class=\"fill\"\/>\n\t\t\t<path id=\"Line-2\" data-name=\"Line\" d=\"M0,8.235,7.755,0\" transform=\"translate(10.244 7.764)\"\n\t\t\t      fill=\"currentColor\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-miterlimit=\"10\" stroke-width=\"2\" class=\"fill\"\/>\n\t\t<\/g>\n\t<\/g>\n<\/svg>\n<\/span>\n    <\/a>\n                                                                                                            <\/div>\n                                                              <\/div>\n                          <\/div>\n                      <\/div>\n                  <\/div>\n              <\/div>\n          <\/div>\n        <\/div>\n<\/div>\n<\/div>\n\n\n<div  class=\"block-wrapper \">\n<div class=\"linksList\">\n    <div class=\"container\">\n        <div class=\"row\">\n            <div class=\"linksList-col\">\n                                <h2 class=\"linksList-title\">\n                    DOCUMENTATION CENTER\n                <\/h2>\n                                                                                            <div class=\"linkItem\">\n                    <a href=\"https:\/\/www.oiq.qc.ca\/wp-content\/uploads\/Police_regime_base_EN.pdf\" target=\"_blank\" class=\"btn-arrow is-blue\">\n                                <span class=\"label\">BASIC GROUP PLAN INSURANCE POLICY<\/span>\n                        \n        <span class=\"icon reset-font\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10.582\" height=\"18.826\" viewBox=\"0 0 10.582 18.826\">\n\t<g id=\"Groupe_9\" data-name=\"Groupe 9\" transform=\"translate(-8.831 1.414)\">\n\t\t<g id=\"Groupe_8\" data-name=\"Groupe 8\">\n\t\t\t<path id=\"Line\" d=\"M0,0,7.755,8.235\" transform=\"translate(10.244)\" fill=\"currentColor\" stroke=\"currentColor\"\n\t\t\t      stroke-linecap=\"round\" stroke-miterlimit=\"10\" stroke-width=\"2\" class=\"fill\"\/>\n\t\t\t<path id=\"Line-2\" data-name=\"Line\" d=\"M0,8.235,7.755,0\" transform=\"translate(10.244 7.764)\"\n\t\t\t      fill=\"currentColor\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-miterlimit=\"10\" stroke-width=\"2\" class=\"fill\"\/>\n\t\t<\/g>\n\t<\/g>\n<\/svg>\n<\/span>\n    <\/a>\n            <\/div>\n                                                                                                                <div class=\"linkItem\">\n                    <a href=\"https:\/\/www.oiq.qc.ca\/wp-content\/uploads\/Certificat-EN.pdf\" target=\"_blank\" class=\"btn-arrow is-blue\">\n                                <span class=\"label\">BASIC GROUP PLAN CERTIFICATE OF INSURANCE<\/span>\n                        \n        <span class=\"icon reset-font\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10.582\" height=\"18.826\" viewBox=\"0 0 10.582 18.826\">\n\t<g id=\"Groupe_9\" data-name=\"Groupe 9\" transform=\"translate(-8.831 1.414)\">\n\t\t<g id=\"Groupe_8\" data-name=\"Groupe 8\">\n\t\t\t<path id=\"Line\" d=\"M0,0,7.755,8.235\" transform=\"translate(10.244)\" fill=\"currentColor\" stroke=\"currentColor\"\n\t\t\t      stroke-linecap=\"round\" stroke-miterlimit=\"10\" stroke-width=\"2\" class=\"fill\"\/>\n\t\t\t<path id=\"Line-2\" data-name=\"Line\" d=\"M0,8.235,7.755,0\" transform=\"translate(10.244 7.764)\"\n\t\t\t      fill=\"currentColor\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-miterlimit=\"10\" stroke-width=\"2\" class=\"fill\"\/>\n\t\t<\/g>\n\t<\/g>\n<\/svg>\n<\/span>\n    <\/a>\n            <\/div>\n                                                                                                                <div class=\"linkItem\">\n                    <a href=\"https:\/\/www.oiq.qc.ca\/wp-content\/uploads\/Police_Regime_Complementaire_EN.pdf\" target=\"\" class=\"btn-arrow is-blue\">\n                                <span class=\"label\">GROUP SUPPLEMENTARY PLAN INSURANCE POLICY<\/span>\n                        \n        <span class=\"icon reset-font\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10.582\" height=\"18.826\" viewBox=\"0 0 10.582 18.826\">\n\t<g id=\"Groupe_9\" data-name=\"Groupe 9\" transform=\"translate(-8.831 1.414)\">\n\t\t<g id=\"Groupe_8\" data-name=\"Groupe 8\">\n\t\t\t<path id=\"Line\" d=\"M0,0,7.755,8.235\" transform=\"translate(10.244)\" fill=\"currentColor\" stroke=\"currentColor\"\n\t\t\t      stroke-linecap=\"round\" stroke-miterlimit=\"10\" stroke-width=\"2\" class=\"fill\"\/>\n\t\t\t<path id=\"Line-2\" data-name=\"Line\" d=\"M0,8.235,7.755,0\" transform=\"translate(10.244 7.764)\"\n\t\t\t      fill=\"currentColor\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-miterlimit=\"10\" stroke-width=\"2\" class=\"fill\"\/>\n\t\t<\/g>\n\t<\/g>\n<\/svg>\n<\/span>\n    <\/a>\n            <\/div>\n                                                                <\/div>\n        <\/div>\n    <\/div>\n<\/div>\n<\/div>\n\n\n<div  class=\"block-wrapper \">\n<div class=\"message\">\n      <div class=\"message-wrapper container\">\n          <div class=\"row\">\n      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<\/div>\n                  <\/div>\n              <\/div>\n          <\/div>\n        <\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":8,"featured_media":0,"parent":16216,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"views\/template-builder.blade.php","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":"1","_relevanssi_noindex_reason":"","inline_featured_image":false,"footnotes":""},"class_list":["post-17484","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>OIQ &#8211; Ordre des ing\u00e9nieurs du Qu\u00e9bec<\/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.oiq.qc.ca\/en\/membres\/your-obligations\/assurances-responsabilites\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Assurance responsabilit\u00e9 - OIQ - Ordre des ing\u00e9nieurs du Qu\u00e9bec\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.oiq.qc.ca\/en\/membres\/your-obligations\/assurances-responsabilites\/\" \/>\n<meta property=\"og:site_name\" content=\"OIQ - Ordre des ing\u00e9nieurs du Qu\u00e9bec\" \/>\n<meta property=\"article:modified_time\" content=\"2026-03-25T19:55:40+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.oiq.qc.ca\/wp-content\/uploads\/vignette-web.png\" 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