You better go 9R then!    

Did your AB coverage stay the same? or was it reduced?   Most companies are renewing with the coverages you had before - rather then reducing to the new "minimum".  

1 down. This one is not for me - my son bought this one today.    

I'm pretty certain that the OFSC insurance covers trail work by club members.

So 17 and 18 trail work was cancelled due to insurance issues.     Is that OFSC insurance or clubs insurance?