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.