FOCA Liability Insurance Program

FOCA's popular liability insurance programs provide FOCA member associations with access to unmatched protection at competitive prices. Our program provides coverage applicable to Lake Associations, Road Associations, Land Ownership Associations or Trusts, plus coverage for Directors and Officers.

We encourage our member associations to take the steps to protect our volunteers. Understanding your risks and using the appropriate tools to reduce them are an important step in defining your insurance coverage requirements. 

FOCA's liability insurance programs for associations are an important part of the value FOCA delivers to Ontario's waterfront community. 

To learn more about your provincial "voice of the waterfront", and how you can support your long-term investment, click here.

2011 Liability Insurance Program

Developed through extensive collaboration with Atrens-Counsel Insurance Brokers Inc., the 2011 FOCA Liability Insurance Program offers improved coverage and enhanced limits at premium levels that we have managed to maintain at very competitive rates. FOCA 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 A stable rating from Standard and Poors.

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

Contact us for more information

If 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 broker, Mr. Bob Maynard, who can be reached at foca@atrens-counsel.com or call toll-free 1-877-627-6222 x 2084. Bob is happy to discuss your specific situation and help to arrange the appropriate coverage for your association.

If you have any other questions about FOCA’s Risk Management for Cottage Associations, or other initiatives, you can contact the FOCA office at 705-749-3622 or info@foca.on.ca.

FOCA liability insurance programs are provided through: