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FEDERATIONOFONTARIOCOTTAGERSASSOCIATIONS17ontheroadrequiringthehomecottagepoliciesofeachindividualpropertyownertorespond.Itisimportanttonotethatpropertyandliabilityinsurancewordingsarenotstandardized.Thereforepropertyownersonaprivateroadshouldobtainfromtheirownpersonalinsuranceproviderwrittenconfirmationthattheirhomeownersorcottageinsurancepolicywillprovidethemwithliabilitycoverageintheeventthattheyarenamedinaclaimarisingfromanincidentoccurringontheirprivateorcommonaccessroad.SomepersonalpropertyinsuranceprovidersinOntariodonotofferthisprotection.TheFOCAinsurancepolicyautomaticallyincludesliabilityprotectionfortheAssociationsmembersingoodstanding.SokeepyourduespaymenttoyourlocalAssociationup-to-dateEachroadisuniqueandrequiresacustomizedinsurancesolution.IfyouhaveanyquestionsorwouldlikemoreinformationregardinginsuranceforyourRoadAssociationcall1-844-CADE-1STorwww.cadeinsurance.comfoca.FOCAsAssociationInsuranceProgramcoverageisalsoavailableforlakecottageandland-owningassociations.ContactCadeAssociatestofindoutmore.WithrespecttoriskmanagementandroadswedorecommendthatAssociationsspecificallyconsiderthefollowingContractorsManyAssociationshirecontractorstoprovideservicesthroughouttheyearincludinggradingandsnowremoval.TheAssociationshouldrequestthattheircontractorprovideaCertificateofInsurancewhichclearlyidentifiestheAssociationasanAdditionalInsuredonthecontractorspolicy.ThisensuresthatthecontractorspolicywillrespondtodefendtheAssociationiftheAssociationisnamedinaclaimarisingoutofthecontractorsactivities.TheCertificatewillalsoprovideevidenceofthecontractorsinsurancelimitsandcoverages.Contractorsareabletoobtainthiscertificatenormallyatnoadditionalchargefromtheirinsuranceprovider.DependingonthenatureofthecontractorsworkonbehalfoftheAssociationaWSIBClearanceCertificateshouldalsobeprovidedbythecontractor.SignageSignageatroadwayentrancesthatreadsPrivateRoadcanassistinlimitingaccessanduse.Appropriatespeedsignsshouldbepostedalongtheroadway.Furthersignageshouldbestrategicallyplacedinadvanceofanysignificantchangeintheconditionoftheroadbeitasharpbendblindcornerorhillorsignificantdrop-offontheroadside.FeeCollectionAlwaysadifficultAssociationtopicInsurersstronglyrecommendagainstthepostingofnamesofmemberswhosefeesareoutstandingtoavoidexposuretoclaimsoflibel.IntheunfortunateeventthatcollectionoffeesrequiresfurtheractionthecourtsystemSmallClaimsCourtoffersanalternativetoaCollectionAgencyandminimizesexposuretoclaimsoflibelandslander.FinalnoteFOCAmemberRoadAssociationscanaccessadditionalresourcesatwww.foca.on.casearchroad