Riskly

Insurance Doesn't Have to Be a Mystery.

Quebec has some of the most specific, least-explained insurance rules in the country. Bill 141 changed what condo syndicates must maintain in reserve. The Convention d'indemnisation directe decides who pays for your car accident before fault is even discussed. A single word in your policy — “seepage” instead of “escape” — can be the entire reason a claim gets denied.

Most people, and most volunteer condo boards, and most small business owners, only learn these rules exist after something has already gone wrong. Riskly exists to fix the timing problem — built by an AMF-licensed damage insurance professional who got tired of watching people find out the hard way.

If You Sit on a Condo Board, This Deadline Is Already Running.

Since Bill 141, every syndicate of co-ownership in Quebec must maintain a self-insurance fund at least equal to the highest deductible on its master policy. Most self-managed boards — run by volunteers with full-time jobs unrelated to insurance — don't find out until an underwriter asks for proof at renewal.

Explore the Condo Syndicate Insurance Readiness Kit →

Your Lease Has an Insurance Clause. Does Your Policy Actually Match It?

Commercial leases in Quebec routinely specify exact insurance requirements — liability limits, tenant improvement coverage, business interruption terms. A mismatch between what the lease demands and what the policy provides is often treated as a breach, regardless of intent.

Explore the Commercial Tenant Risk & Compliance Vault →

Two Similar-Sounding Words Can Decide Your Claim.

“Sudden and accidental water damage” and “gradual water infiltration” sound like the same thing. Quebec policy forms treat them completely differently, and the distinction is one of the most common reasons a claim gets denied.

Explore the Claim Rejection Protection Blueprint →