Why Do I Need Liability Coverage?

This Plan provides extensive coverage for lawsuits resulting from bodily harm and property damage for all of your Club-related events. This includes: meetings, parties, auctions, concession stands, raffles, banquets, and similar activities. Coverage will also apply for official Club participation such as participation in community-sponsored events. If your Club typically rents space when it needs to gather for a meeting or special event, you’ve probably discovered that the owner of the property requires your Club to purchase a “special events” insurance policy—a policy that is typically expensive and limited in protection. With the Club Liability Insurance Plan you won’t have to deal with this disappointing aspect of planning. This Plan provides you with the insurance coverage you need to hold your event—without having to reapply for additional policies for every event throughout the year. Further, the Club is insured when named in a covered lawsuit for acts committed by members working for the Club and under its direction. Officers and members are insured when named in a covered lawsuit as a result of Club activities when they are acting on behalf of the Club. Additionally, if required, an owner of a premises used or rented by the Club can also be named as an Additional Insured.

How Much Coverage Does the Plan Provide?

This policy provides up to $1,000,000 for each occurrence and up to $2,000,000 of aggregate coverage for lawsuits resulting from bodily injury and property damage for which you might be responsible. This includes coverage for claims of bodily injury, personal injury, property damage . . . even if the charges are false or fraudulent!
 

In addition to the limits above, this policy also pays all court and legal defense costs for a covered claim.

Never Pay a Deductible!
The Club Liability Insurance Plan does not require a deductible before it starts to pay. All claims will be defended on a first-dollar basis – you don’t have to pay a cent more than your annual premium. 

Priced for You 
This plan is sponsored to provide members the advantage of group buying power, with premiums hopefully kept to a minimum. Since each Club participates in different activities, each applicant will receive a unique quotation based on their situation. 
 

What Types of Lawsuits Might the Plan Cover?

Some examples are listed below for suits arising out of:

• bodily injury which occurs on or off premises as a result of your Club activities;
• damage to property of others resulting from your Club activities;
• personal injury and advertising injury, including libel, slander, defamation of character, false arrest, invasion of privacy, detention and malicious prosecution;
• liability resulting from the sale of food and beverages or other products at Club functions;
• host liquor liability when serving or giving alcoholic beverages at functions incidental to your Club provided that no permit or license is required prior to serving alcohol;
• real or alleged faults in work completed by or for your Club which resulted in bodily injury or property damage;
• injury caused by the rendering of or failure to render health care services by non-professionals; and
• fire damage legal liability for up to $100,000 to a premises not owned by the Club but used for Club-sponsored activities.
• Defense against such suits even though the charges made are groundless, false or fraudulent.

Details