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The federation insurance is not accepted by a lot of land owners. The one million policy is a one time shot for all member of the Federation. For example if something happens and that one million dollar is used up, that is it nobody else has insurance left over for the rest of the year.
 

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We had the policy review once years back. There is a name for this type of policy. That is why is not accepted by some landowner. I had a landowner tell me the same thing, as per his lawyer.
Maybe it has change now, but I will look into it again.
 
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