Insurance Information

Liability Insurance Fee

Does your organization have basic Liability Insurance for its meetings and events? We offer an optional $3 Million Liability Insurance to our member clubs. The basic Liability Insurance fee is $1.04 per member for the March 1, 2020 – February 28, 2021 year.

Liability Insurance coverage is for the period March 1 – to March 1. Fees are not pro-rated, and payment for the insurance is required at the time of membership renewal – this ensures that clubs do not fall in breach of their insurance due to late payments.

If you are meeting in public venues (church hall, community centre, etc.) it is a good idea to check with the facility regarding their requirement for insurance.

To review a copy of the insurance policy, please download the following document:

BCCGC Insurance Policy

Extra Liability Insurance

Additional Insurance Protection ($2 million Liability) extends to the Operation of Garden Clubs/ Allotment Gardens/ Community Gardens/ The Hosting of Meetings/ Field Trips/ 2 Flower Shows per Club per year/ 2 Plant Sales per year.

A certificate of coverage outlining all details will be sent to all covered members as requested.

To qualify for this liability insurance, the group must be a member of the B.C.C.G.C.  

Coverage is for the period from March 1 to March 1.  

Coverage for Allotment and/or Community Gardens

The insurer, after reviewing the coverage offered to BC Council members, in particular, that of allotment/community gardens, have determined that due to the higher risk involved in allotment and community garden operations, a rate scale for these groups was appropriate. Gardens up to 15 acres are eligible for coverage of liability insurance through BC Council of Garden Clubs, however, gardens over 15 acres would require separate individual coverage. Those gardens should contact the insurer directly and provide the insurer with the additional information required for a quote.    

Contact: Lorna Herchenson at for additional information.  

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