FOCA Association Liability Program

FOCA member associations receive a significant discount on Commercial General Liability and Directors and Officers insurance through the FOCA Association Liability Program, underwritten by Aviva Canada, and administered exclusively by Cade Associates Insurance Brokers.

Call today for a quote: 416-234-9980 or visit them online:

Remember to tell them you’re a member of a FOCA Association!

Lake Association Insurance Program

Cade Lake Association Insurance brochure COVER 2015We encourage our member associations to take the steps to protect volunteers. Understanding your risks and using the appropriate tools to reduce them are important steps in defining your insurance coverage requirements.

For an overview of the FOCA Association Insurance program, please download the brochure by clicking the image at the right. (PDF, 2 pages)

FOCA’s popular liability insurance program provides coverage options applicable to Lake Associations, Road Associations, Land Ownership Associations or Trusts, as well as coverage options for Directors and Officers.

The FOCA Liability Insurance Program offers improved coverage and enhanced limits at premium levels that we have managed to maintain at very competitive rates. FOCA’s liability insurance programs for associations are an important part of the value FOCA delivers to Ontario’s waterfront community.

Road Association Insurance

Cade Road Association Insurance brochure COVER 2015Many FOCA member associations are involved with the use and/or maintenance of rural roads. There are special risk management considerations for road associations. FOCA encourages you to review your risks!

For an overview of the FOCA Road Association Insurance program, please download the brochure by clicking the image at the right. (PDF, 2 pages)

Get more information from FOCA about potential road-related issues, here: FOCA Road Webpages, and see also the “Related Posts” listed at the bottom of this page.

avivaFOCA member policies are held by Aviva Canada Inc., the second largest insurer in Canada and the fifth largest company operating worldwide. Aviva maintains a very strong and stable rating from Standard and Poors. The FOCA Insurance Program is administered by Cade Associates Insurance Brokers Ltd.

Please note that insurance program participants are automatically sent their annual renewal notices for existing Commercial General Liability, and Directors and Officers insurance policies.

How to Get a Quote

Cade AssociatesIf your association is not currently taking advantage of the protection this program provides, or if you have any questions about policy coverage, limits of liability, premiums or program features, please contact FOCA’s exclusive program brokers, Cade Associates Insurance Brokers Limited. They are happy to discuss your specific situation and help to arrange the appropriate coverage for your association. For an Insurance quote, call: 416-234-9980 or visit

If you have any other general questions about FOCA’s Risk Management for Cottage Associations (pdf; 2 pages) or other FOCA initiatives, contact the FOCA office at 705-749-3622 or

Michelle LewinFOCA Association Liability Program