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Coverage for a sport team booster club can include:
Directors & Officers Liability
Employment Practices Liability
Abuse and Molestation
Employee Benefits Liability
Blanket Additional Insureds
Nonprofit booster club claim examples
Abuse and Molestation Claim:
A booster club secretary sued the school's governing board, alleging that the directors and officers were negligent for failing to supervise the booster club manager who, she claimed, sexually harassed her. When the board submitted their legal bill to their carrier, they learned that no payments would be made until a settlement had been reached. Legal costs piled up until a settlement was reached, five years later. The prohibitive costs caused the organization to close its doors forever.
Directors and Officers Claim:
The trustees of a booster club decided to expand their activities into areas that were not explicitly envisioned by the founders. Their state’s attorney general brought an action against them alleging misuse of funds and property for operating outside their charter, even though no third party had raised a complaint.
A local booster club published a quarterly newsletter. The newsletter included a tourism section, promoting places of interest, attractions, restaurants, etc. A new restaurant approached the booster club with a request to advertise in the upcoming issue. The booster club agreed and accepted a minimal advertising fee from the restaurant. It was discovered on the release of the next issue that the Executive Director never expedited the restaurant request and actually kept the money. The restaurant, in turn, sued the booster club for breach of fiduciary duty, breach of contract and interference with economic interests.
Special Events Claim:
A guest at a beer garden event sponsored by the booster club organization was struck on the head with a beer can thrown by a bartender. The guest filed a claim due to bodily injury.
A tent at a designated fundraiser was not anchored properly. The tent blew over and damaged multiple parked cars. The car owner sued for repairs.
A local booster club organization held a one-day concert to raise funds at the home of one of its members. The event was large and included a bandstand. While the trucks carrying the equipment were leaving that night, the inclement weather caused the truck to leave large imprints and divots on the neighbor’s lawn. The neighbor then filed suit against the chamber for lawn damages caused by the trucks.
Business Owners Package Claim:
A booster club organization was holding their monthly membership meeting at a local hall. One of the attendees tripped on an extension cord the booster club was using for a presentation and broke his leg. He then filed a suit against the chamber to cover his medical expenses for his slip and fall.