BCWF Member Insurance: FAQ
If you’re a member of the BC Wildlife Federation, you’re already carrying something a lot of hunters, anglers, and outdoor recreationists don’t have: real liability protection, built right into your membership. We are the only hunting and angling organization that has ATV coverage for offroad use and provides our members with discounts on-off road vehicle insurance
It’s easy to forget it’s there — until the day you actually need it. Here’s a reminder of exactly what you’re getting, and why it’s worth staying a BCWF member.
What insurance is included with my BCWF membership?
Active BCWF members (direct, life, and affiliated club members) are automatically covered by an Excess Third Party Liability (ETPL) insurance policy, underwritten by Acera Insurance. This is a group policy — no application or additional premium is required to be covered.
If you are a BCWF member through an affiliated club, your club determines whether you have coverage with or without ATV insurance.
What is the coverage limit?
Up to $5,000,000 in Excess Third Party Liability coverage.
What activities are covered?
- The policy covers legal liability for unintentional bodily injury or property damage to a third party arising from the following activities:
- Hunting
- Fishing/angling
- Lawful range shooting
- Archery
- Hiking
- Camping
Are my ATV, snowmobile, or boat covered?
- ATVs and snowmobiles: Covered for use or ownership on forest service roads and non-public roads, while the member is engaged in hunting or angling activities. Vehicles must be plated and registered per ICBC regulations.
- Watercraft: Covered for use or ownership of watercraft under 100 hp and up to 12 metres in length, while the member is engaged in hunting or angling activities.
Vehicle and watercraft coverage under this policy applies only while engaged in hunting or angling — not for general recreational use.
What isn’t covered?
- Accident benefits (injury to the member themselves)
- Use, ownership, or operation of automobiles or aircraft
- Intentional injury or property damage
- Business activities of any type
- Damage to the member’s own property, or to property in their care, custody, or control
- Environmental impairment or pollution
- Forest firefighting expenses
- Any personal activity not specifically named in the policy documents
- Where does the coverage apply?
- Coverage applies to eligible activities anywhere in North America.When does the policy run?
The policy runs annually from January 1 to December 31. Coverage is tied to active membership status.Can I get coverage for general recreational ATV/ORV use, not just hunting and fishing?
Yes. BCWF members are eligible for discounted rates, through Acera Insurance, on:
A separate “Recreational Use” ORV liability policy (up to $1,000,000) for general/personal ATV or off-road vehicle use not tied to hunting or fishing
Full recreational third-party liability and property insurance for off-road vehicles
Quotes: Off-Road Vehicle Insurance – BC or Acera Insurance at 1-888-818-5821 (identify as a BCWF member).How do I get my Certificate of Insurance? - A new certificate is issued each year on January 1.
- Available via the BCWF Member Portal (“Insurance Coverage” section) or by request from the BCWF membership team.
Who do I contact with questions?
Zach Schwingenschloegl — D: 250-869-3987 — E: zach.schwing@acera.ca
Stacey Todd — D: 250-869-3811 — E: stacey.todd@acera.ca
BCWF Membership Team — 1-888-881-2293 — membership@bcwf.bc.ca