Insurance for Outdoor Clubs

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

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).

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.

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.