Non-Profit Insurance • Community Associations • 501(c)3 Non-Profits • Performing Arts Insurance • Social Services • Fraternal Clubs
Overview
Product Options:
- General Liability
- Property Coverge
- Liquor Liability
- Directors & Officers/Employment practices
- Crime Coverage
General Liability Features:
- General Liability limits up to $1,000,000/$2,000,000
- Expanded definition of Bodily Injury to include Mental Anguish and Emotional Distress
- Club members included as Additional Insureds
- No Deductible
- Hired & Non-owned Auto Liability coverage available
- Assault & Battery coverage available on most accounts
- No designated premises limitation
Liquor Liability Features:
- Insured has the option of either Basic or Top Shelf coverage: • Basic Form features Defense costs inside the limits of liability and an exclusion for Assault or Battery coverage • Top Shelf provides coverage for Defense costs outside the limits of liability, may provide coverage for Assault or Battery and includes automatic coverage for the Liquor License holder as an additional insured
- Limits up to $1,000,000/$2,000,000
- No Deductible
- Club members included as Additional Insureds
- Assault & Battery coverage available on most accounts
- Credits available for responsible clubs with a formal third party server awareness training program
Property Coverage features:
- Special Cause of Loss form
- Equipment Breakdown-includes free boiler inspection if required
- Value Plus Endorsement
- Business Income coverage
Directors & Officers with Employment Practices Liability Features:
- Separate Limits of Liability
- Unlimited Defense Costs outside the limit
- Unlimited Extended Reporting Period for former Directors & Officers
- Automatically includes third party discrimination and harassment
- Free Human Resources Hotline with unlimited number of calls and no time limits (when EPL is purchased)
Crime Coverage features:
- Employee Dishonesty coverage limit up to $100,000
- Monies & Securities coverage available inside and outside of Premises
Why
Our All-IN-One Non-Profit policy designed for fraternal clubs includes General Liability, Liquor Liability, Property, Directors & Officers and Employment Practices Liability coverage..
Why do you need to purchase all of these coverages?
- The negligent service to an intoxicated person or underage person can produce substantial verdicts or settlements against you
- Your club may be held liable for the actions of members or other persons serving alcohol in violation of state laws
- Slip and falls that occur on your premises
- Board of Directors can be sued for mismanagement of funds
- Employment-related laws are the same for any type of organization
Why should you choose our Fraternal Club non-profit insurance Policy:
Maximize efficiency: One Application, One Quote, One Underwriter, One Policy, One Renewal, One Carrier for all claims, with one concurrent effective date.
Coverage Features checklist:
The following are important coverages to have in your policy. Check to make sure you have all of these features:
| Coverage Features | Our Policy | Competitors’ Policy |
| Separate Limits of Liability for D&O, EPL, GL and Liquor |  |
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| Defense Outside the Limit of Liability on all claims | |
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| Third Party Sexual Harassment and Third Party Discrimination coverage | |
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| Mental Anguish and Emotional Distress included in the General Liability definition of Bodily Injury | |
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| Club members added as an additional insured | |
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| No Designated Premises Endorsement for General Liability | |
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| Assault and Battery coverage available on most risks | |
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| Special Cause of Property Loss/Replacement Cost Coverage/Optional Equipment Breakdown Coverage | |
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| Value Plus Endorsement – 15 valuable coverage enhancements including; Water Back-up, Money & Securities, Employee Dishonesty, Signs, Transit and more | |
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