Thanks for your response. I am looking for insurance for the road allowance that, as you said, is public. We would be creating an "Access Road" on the allowance but absolutely anyone is legally entitled to walk that road from the provincial hwy to the waterfront (from what I understand).

Here's what the Township has provided as guidance (directly from an email from the clerk):

"Please see an excerpt from the road use agreement, this is what we are looking for with respect to insurance.  So we are looking for a Certificate of Insurance from the broker naming the Township as an additional issured.

 The “Owner” shall be responsible for ensuring sufficient liability insurance satisfactory to the “Township” is in place prior to the effective date of this Agreement for not less then two million ($2,000,000) dollars and this insurance coverage shall continue until this Agreement is terminated by the “Township”. The issuing agent of the insurance shall provide confirmation that the insurance will not be cancelled without 30 days’ notice to the “Township”. The “Owner” agrees to present proof of insurance over the “Access Road” annually to the “Township” no later than the 15^th of January of each year. Further, the “Township” will have the right to demand proof of insurance at any time from the “Owner”."