Olympus just introduced a couple of nice new point and shoot cameras to their "Tough" line. Sealed from the elements, the cameras are rated to either 10' or 33' of submergence and 5' or 6.6' of dropability. The cameras are also designed to hold up to 220lbs, operate in temps down to 14ºF. Built-in image stabilization should help keep things sharp, even when your teeth are chattering away too. Their 3.6x wide angle zoom lens covers the equivalent of 28mm-102mm. 

The two models, 10MP Stylus Tough-6000 and 12MP Stylus Tough-8000 will be available in Feb for $299 and $399 respectively. While these are being marketed to the adventurous, outdoorsy types, they'd be perfect for clumsy, careless folks too.