Group of young adults playing a game around a table

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.

Kristen Iannarelli headshot

Email Kristen Iannarelli →
Vice President
New Business Team Leader
877-977-4474, ext. 7090

Insurance policy highlights can include:

  • 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
  • Hired and non-owned Auto coverage available in most states
  • 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
  • Crime
Additional coverages available:
  • Assault or battery
  • Breach of contract
  • Special events
  • Equipment breakdown
  • Umbrella


Claim Examples


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

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