Fraternal and social club organizations provide fellowship to membership organizations and provide meeting areas for town residents to gather. Our "A++" rated market has a package offering for clubs.

Ineligible Fraternal Club
Please note we cannot offer coverage to the following:
  • Hunting and fishing clubs
  • Gun clubs
  • Collegiate fraternities and sororities
  • Aluminum or knob and tube wiring (for buildings built prior to 1978)
  • Wiring not 100 percent connected to functional circuit breakers (for buildings built prior to 1978)
  • Risks located in AK, LA or WV

Available Coverage for Fraternal Club
General liability
  • No designated premises limitation
  • Fundraisers and certain special events included at no additional cost
  • Club members included as additional insured
  • Hall/Banquet rental is included at no additional cost
  • Blanket additional insured available for nominal cost

Liquor liability
  • Two options are available to appeal to the cost or coverage conscious buyer
  • Top Shelf – Provides defense costs outside the limits, assault or battery coverage available in most areas, liquor license holder included as additional insured at no charge
  • Basic – Provides defense costs inside the limits, assault or battery is excluded
  • Club members included as additional insured at no charge
  • Multiple credits available

Directors and officers/employment practices liability
  • Lifetime occurrence reporting provision – Unlimited reporting extension for former directors and officers Data & Security+ endorsement – Provides a $50,000 expense sublimit each for data breach, identity theft,workplace violence and kidnap expenses
  • Full prior acts coverage
  • Breach of contract coverage Unlimited defense outside the limits on Broad Form
  • Fair Labor Standards Act (FLSA/wage and hour) sublimit of $100,000 for defense costs and loss (available in most states)
  • Optional fiduciary coverage
  • Optional Standard Form – A competitively priced alternative to our Broad Form option
  • Package offerings can also include inland marine, hired/non-owned auto (available in most states), excess and umbrella coverages

​Coverage Limits Available for Fraternal Club
  • General liability available up to $1,000,000/$2,000,000
  • Liquor liability up to $1,000,000
  • Directors and officers/Employment practices liability up to $5,000,000
  • Crime coverage/Employee dishonesty up to $100,000
  • Property up to $3,000,000 (risks without a cooking exposure) $1,500,000 (risks with a cooking exposure)
  • Hired and non-owned auto up to $1,000,000
  • Excess/Umbrella coverage up to $5,000,000