Member Benefit Banner


All the benefits are described below. 

Please note these offers are current at March 2022, and are subject to change over time.

Want a print version to circulate to your members? Download it here:

  • Why Support FOCA (PDF, 2 pages)- explaining the Member Benefits, for print (no access codes included – member Associations: use this version for your next Membership Drive!)
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Don't know if your Association is a FOCA member?
Find out here.

Benefits & Offers for FOCA  Associations:

  • First Aid & Safety Action First Aid offers a discounted FOCA Member Price for (AED) Automated External Defibrillators and 24/7 Accessible Outdoor Cabinets. Member offer details are posted here.
  • Road or Directors’ Liability Insurance: FOCA’s popular liability insurance program, delivered by Cade Associates Insurance Brokers Ltd., provides coverage options applicable to Lake Associations, Road Associations, Land Ownership Associations or Trusts, as well as coverage options for Directors and Officers. FOCA Member Associations get a discountCade AssociatesContact 416-234-9980 or visit
  • The Association Liability Program explained above ALSO INCLUDES a free Legal Helpline for the Association. Ask the office for details!

ToolkitFor additional resources that can benefit your Association, check out FOCA’s Association Toolkit of key resources.

Road and lake associations can also access administrative resources including benchmark statistics about associations, roads questions, municipal engagement tips, and much more. Find out about Association Services available only to our Member Associations.

Benefits & Offers for Individuals & Families

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NOTE: these offers are available to all the member families in FOCA Member Associations, as well as our annual Individual Supporters, Family Supporters, Friends of FOCA and Waterfront Champions. These offers are not extended to members of FOCA Supporting Groups (as they do not pay the annual $4 per-member fee).

Ready to join as a full Member Association? Let’s do this.


  • CottageFirstCottageFirst: the first group program dedicated to cottagers, exclusively available to FOCA members. Get great coverage on your cottage, home, car & more. Contact Cade Associates Insurance Brokers: 1-844-CADE-1ST or visit for a no obligation quote.

FOCA Associations: Please let your members know that this group insurance program is available to them, as members of your association!

What does FOCA do?
FOCA speaks where individuals cannot.

Our mission is to protect thriving & sustainable waterfronts across Ontario. foca_logoFor over 50 years, FOCA has been the voice of Ontario’s waterways and lake associations. Our united voice carries weight on issues that matter! Find out more about our history.

FOCA works with government and other partners on important policy and best practices, to make our waterfront communities environmentally and financially sustainable. For more about FOCA’s current files and advocacy efforts, visit our resources/search page.

We keep you informed about changes in legislation and other timely cottage-country news. Make sure that you and all of your members receive the FOCA Elert to get timely updates on topics that matter. Sign up now for free FOCA Elerts!

FOCA Programs & Resources:
  • Invasive Species Monitoring & Prevention Program – learn how you and your association can plan to protect cottage country from invasive species.
  • Cottage Succession Seminar Series (Keeping the “Family” in the Family Cottage) – this series presents legal and financial planning considerations to help you prepare to leave the cottage to the next generation. Get the conversation started now, while you have the most options.
  • Lake Partner program – FOCA’s Lake Stewards are the backbone of the largest volunteer program of its kind in the world, measuring phosphorus levels and water clarity in Ontario lakes.
  • Use FOCA’s news and information from our FOCA Elerts and Newsletters on your Association website and in your newsletters.  We only ask that you reference FOCA.
Michelle LewinBenefits