2017 LAKE STEWARDS NEWSLETTER | 19 Personal Liability A construction project brings with it additional personal liability exposures to the property owner. Claims may be brought against you for injuries or property damage to others allegedly resulting from the construction project on land you own. Be sure to speak with your insurance broker to ensure your existing personal liability coverage is extended to your construction site. General Contractor or ‘Do-it-Yourself’ While it can be exciting and personally challenging to manage a building project at your own cottage, the value of a qualified and experienced General Contractor cannot be understated. The use of a General Contractor brings better accessibility and pricingforBuilder’sRiskinsurance.Somepolicieswillbeunable to extend coverage without an insured General Contractor. Additional considerations when hiring a contractor: • Ensure that any contract you sign with a General Contractor contains a clause that they will provide you with a Certificate ofInsuranceasevidenceoftheirCommercialGeneralLiability insurance coverage. • As owner of the project and property, your name should be shown as “Additional Insured” on the General Contractor’s insurance policy. This request is typically satisfied at no additional cost to the General Contractor, and is shown directly on the Certificate of Insurance. • Your General Contractor should provide a Clearance Certificate confirming that they are registered with Ontario’s Workplace Safety and Insurance Board (WSIB) or that they are exempt. If in place, this insurance prevents them from suing you for their own injuries sustained while on your construction site. Visit www.wsib.on.ca to learn what is required of your General Contractor. As a FOCA Member, you have access to CottageFirst, the group insurance program built for and offered exclusively to FOCA members. In addition to providing an excellent, cost effective packaged insurance solution for cottage owners, CottageFirst clients have access to brokers with knowledge and experience in arranging Builder’s Risk and construction insurances for cottages. For more information about CottageFirst, or to speak with one of our brokers about reviewing your insurance needs before work begins on your cottage, visit our website or call our team at www.cottagefirst.com • 1-844-223-3178 (CADE-1ST) Top insurance tip: Contact your insurance broker or agent before your construction project starts, to discuss your options, and determine the best and most cost-effective coverage for your particular project. www.sunspacesunrooms.com 1.800.755.3365 1 800 755 3365 Sunspace Sunrooms & WeatherMaster windows & doors ARE the #1 Choice of Cottagers Canada’s Largest Sunroom manufacturer Making Cottage Views maintenance & BUG free... manufactureing decking, railings, patio roofs, ourdoor kitchen covers AsSeenOn,Cottage LifeTV - HGTV - Income Property onVacation Residential & Commercial Septic Systems Homes, Campgrounds, Cottages, Resorts ȏLGHDOIRUVPDOOORWVEHGURFNFOD\VRLOV  KLJKZDWHUWDEOH ȏORZPDLQWHQDQFHORZHQHUJ\ ȏVHDVRQDORU\HDUURXQGXVH ȏOLJKWZHLJKWPRGHOIRUUHPRWHVLWHV 5RFNZRRG21ȏ7ROO)UHH  LQIR#ZDWHUORRELRȴOWHUFRP ZZZZDWHUORRELRȴOWHUFRP 20 Year Filter Medium Warranty!