hi all yes. I know I ask this every couple of years and yes I have looked at the voluminous threads elsewhere in the forums ... But I was was wondering if anyone had quick advice on good insurance for BC skiing (for self organised trips in North America?) It seems that quite a few companies have recently narrowed the definition of backcountry (only on 'formed XC trails') or now only cover BC with a 'qualified guide'. Any suggestions? Thanks.