AB was reformed in July - so now you have the ability to pick and choose SOME of the coverages and can say NO to some that were mandatory prior. Some that were mandatory coverage before - or certain limits - are no longer mandatory - but optional.    What almost every single insurer is doing is on renewal - leaving the coverage as it was last term - pricing for it and then waiting/allowing the customer to decide if they want to remove/reduce any of them - or conversely - enhance any of them.   I am going to eliminate some coverage under the AB on my sled insurnace. I left my vehicle as it was - but with the sled, I just feel differently about it and the risks etc.:   As an example - prior to reform - Income Replacement Benefits were mandatory coverage - basic limit of a max of $400.00 a week. You could increase that - but $400.00 was the mandatory minimum available. Now, you can say no.   My folks, have eliminated that coverage for themselves as they could NEVER collect being fully retired individuals -thus, they would have been paying on something they could never collect.   I would recommend you do some reading on what the changes are and decide what you may need/want - or have a good long chat with your broker.  

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LOL....I was going to state that - who will not use that tool or choose not too and wants a piece of paper brought to them to show their insurance company they are not responsible if something happens on their land during the season, that is covered through the OFSC INS......but I imagine if something were to happen, the land owner still needs to deal with some sort of headache regarding the accident.

When I look at my current AB it is $202 but does not give a great of detail for what that includes, this is what is states below that I am assuming I need to dig in deeper to find the limitations: Accident Benefits All of our policies include Accident Benefit coverage. If you are hurt in an accident, regardless of who is at fault, you would have coverage for these significant expenses: Medical expenses, such as prescriptions and ambulance bills Rehabilitation expenses, such as physiotherapy, registered massage therapy, counselling Funeral expenses in the event of a death Income replacement in the event you cannot return to work (temporarily or long-term) Example You are stopped at a red light and are rear-ended by another driver. Your Accident Benefits may cover the cost of your ambulance bills, medical bills and the cost of your physiotherapy.     On my new policy, AB is now broken down into ten categories that come up to $208.00....the $6 increase....   So, is it the same.....not 100% sure.

I've been doing landowner visits for over a decade and have never been made aware of a "Landowner tool". Fortunately, I guess, most of the landowners I deal with are Mennonites that don't use the internet.