Federation of Ontario Cottagers’ Associations

Cade Associates has been exclusively endorsed as a proud partner and insurance advisor of the Federation of Ontario Cottagers’ Associations. Working with an insurance program specifically designed for Cottage, Lake, Road and Land Associations. The FOCA Insurance program offers broad property coverage, commercial general liability protection and liability insurance for your directors and officers, all at competitive rates, tailored to meet the budgets of non-profit community groups. We supply your organization with the coverage needed to operate in confidence, and the peace of mind to attract and retain volunteers.

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Who We Serve

Coverages for FOCA Members

Road Associations

Lake Associations


Cottage Associations

Land Associations

Commercial General Liability

A Commercial General Liability policy will provide protection for your organization against claims brought against it for bodily injury or property damage to third parties arising from the operations of your organization.

Directors & Officers Liability

D&O coverage protects your association and its directors against claims of financial loss arising from the actual or alleged wrongful acts of the organization and its directors.

Property Damage

Many associations own items that need to be insured against loss by physical damage. Whether your organization owns equipment for your regatta, a playground on your shared land, or a community building, we will arrange appropriate coverage at your direction.

Owned or Managed Land

Your association may have exposure to liability claims related to property that you own or manage. Cade Associates will evaluate your needs to arrange appropriate coverage for these plots of land and communal space.

Examples of What We Cover

Every FOCA member is unique.  These are a few examples of the activities, common to many Associations, that we accommodate within the program.


Road Associations

Hundreds of associations across the province are responsible for arranging the maintenance and upkeep of their roads. We understand the need for grading, gravel spreading, trimming of brush, and clearing of snow and the importance of your local bridges and causeways. We will prepare a policy to suit your operations.


Social Events

Regattas, Poker Runs, Dances and other long-standing events are the cornerstone of many lake and community associations. Your insurance protection can be arranged and augmented to provide for your organization’s annual or special occasions.


Rock and Shoal Marking

As part of their commitment to water safety, many associations engage in rock & shoal marking on their lakes. We will review the extent of your marking operations to help protect the Association and its volunteers.

Request a Quote

To obtain a quote for your association, click the tabs to the right to download the applications for Commercial General Liability coverage and Directors & Officers Liability coverage. Forms can be emailed to clientservices@cadeinsurance.com or faxed to 416-234-0554.

Click here to download a CGL app. Return by mail, fax to 416-234-0554 or email to clientservices@cadeinsurance.com

Click here to download a D&O app. Return by mail, fax to 416-234-0554 or email to clientservices@cadeinsurance.com

We understand every FOCA member association is unique and will be pleased to discuss your insurance needs in detail. Feel free to call our office at 416-234-9980 or email us at clientservices@cadeinsurance.com.