The Erlwyn Drive Residents Association (EDRA) has taken out Liability Insurance for
the 66 foot Right-of-Way (ROW) known as Erlwyn Drive. It covers all EDRA members and their immediate families; it also covers
any volunteers who may work on the ROW.
The policy term for 2003-2004 is 14 months; from March 31, 2003 to May 31, 2004.
This term the Road Group taking out the insurance had to determine how much coverage it wished to apply for - $2,000,000 or
$5,000,000 (last year there was no choice and the coverage was an automatic standard $5,000,000)
In March 2003 members were contacted by Mike Morton to determine the amount of liability coverage
the majority of the membership wished to obtain. A majority vote of eight members chose the $5,000,000 coverage.
The insurance is covered under the Federation of Ontario Cottagers Association (FOCA)
Liability Insurance Master Policy. Since the EDRA is a member of FOCA we are
eligible to be covered by their master policy.
The insurance provider is "St.Paul Fire & Marine Insurance Company" and our Broker
is LMS Prolink Limited.
Attached are the Certificate Of Insurance, the Policy Agreement and the Policy Endorsements.
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