Insurance for Outdoor Clubs

FMCBC Member Clubs have the option of participating in the FMCBC’s Insurance Program, which includes Third Party Commercial General Liability (CGL) Insurance and Directors and Officers (D&O) Liability Insurance.

Frequently asked questions:

How much does it cost?2021-03-16T20:53:27-07:00

These coverages cost an additional $12.00 per individual on top of the FMCBC’s membership fee of $8 per member.

What is Commercial General Liability (CGL) insurance?2020-03-16T21:48:52-07:00

Commercial General Liability Insurance policies are designed to provide protection for claims arising out of the insured’s liability for negligent acts and/or omissions causing injury or damage thru the ownership of property, operations, sale or distribution of products as well as professional services. Coverage includes defense costs and claims settlement. A series of exclusions apply for areas either uninsurable (e.g., intentional acts) or insured through other third party liability policies (e.g., auto liability, directors and officers liability).

What is Directors’ and Officers’ Liability (D&O) insurance?2020-03-16T21:49:16-07:00

D&O policies are designed to provide protection for officers and directors (and possibly others, including the corporation itself) against liabilities arising out of wrongful acts committed while performing their corporate duties.

What activities are covered?2020-03-16T21:49:44-07:00

The activities/operations that the FMCBC, its member clubs and individual members from those clubs participate in includes, but is not limited to: hiking, backpacking, trail running, climbing, mountaineering, canoeing, kayaking, snowshoeing, backcountry skiing, snowboarding, ski touring, cross country skiing, mountain biking, horseback riding, building and maintaining trails, maintaining and operating backcountry huts, offering instructional programs, publishing guidebooks, and holding club socials and meetings.

How do I sign my club up for coverage?

To learn more about the FMCBC’s insurance program, contact our President by email at

If you’re an existing club who would like to join our insurance program, please get in touch with our President. If you’re a new club, simply indicate on your application form that you’re interested in our insurance program.

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