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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.

Insurance company would only ever send a Certificate of Insurance to the NAMED Insured.