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Club Organization

Club organizations are primarily private membership organizations, ranging from booster clubs to social and fraternal organizations. These nonprofits are created to serve their members, with primary funds coming from membership dues, donations and fundraising events. We can offer an all-in-one policy to meet the organization’s needs.

Alyssa Zacckey headshot

Email Alyssa Zacckey →
Assistant Vice President,
Human and Social Service Product Leader,
New Business Team Leader
877-977-4474, ext. 7023

Insurance policy highlights can include:

  • Hired and non-owned auto coverage available in most states
  • No general liability deductible
  • General liability coverage included for volunteers
  • No designated premises limitation
  • Full prior acts coverage
  • Separate limits for all lines of coverage
  • Breach of contract coverage
  • Business personal property coverage included
  • Equipment breakdown coverage available
  • Customize your policy by adding employee dishonesty, money and securities, and other coverage options
  • Concession operations coverage available on some classes
  • Defense outside the limits
Coverages can include:
  • General liability
  • Property
  • Liquor liability
  • Directors and officers
  • Employment practices
Additional coverages available:
  • Assault or battery
  • Breach of contract
  • Equipment breakdown


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Claim Examples

General Liability

A guest slips and falls on the premises after the floor was mopped. As a result of the fall, they sprained their ankle and require two surgeries. They sue for $110,000 in medical costs. General liability insurance can help cover the costs associated with this bodily injury.


A fire breaks out as a result of cooking in the common kitchen area of a nonprofit civic center, which results in extensive smoke and heat damage to both the building and its contents and forces the civic center’s administration to seek an alternative facility for a period of one month. The organization suffers a loss of $75,000 in property damage and extra expenses.

Liquor Liability

A club was hosting a private reception for members and their guests. An underage guest presented a fake ID and was served alcohol. The intoxicated minor left the establishment and fatally injured an innocent victim. The family of the deceased sued the club for serving a minor.

Directors and Officers

The personal assets of the directors and officers of a nonprofit organization were exposed when the organization ran out of funds to pay for a suit brought against it.

Employment Practices Liability

A volunteer at a developmentally disabled counseling organization receives numerous sexual advances from a staff member. The volunteer sues the organization’s employment practices policy for sexual harassment.

Assault or Battery

A club guest was involved in a physical altercation, causing injuries and the club was sued for $50,000.