From your $25 annual membership in North Shore Hikers, $8 buys liability insurance through the Federation of Mountain Clubs of British Columbia (FMCBC, or the Fed), and $10 pays for the Fed's operations, which primarily focus on advocating to the B.C. government for back-country recreation and conservation.
To let you know what advocacy work the Fed does, its Executive Director writes a monthly report to Club Reps, and I've started posting those reports on our website at northshorehikers.org/news-placeholder/fmcbc-insurance-advocacy. Logged-in members can read them via that page, which is in the News dropdown menu.
There you can also read my draft report on some problems at the Fed, including an increasing annual deficit and loss of democratic accountability to us members. Feel free to contact me with any questions, ideas etc.
North Shore Hikers Rep to FMCBC