Why Liquor Liability Coverage Matters for Clubs & Community Organizations

Tim Weir

2nd Vice President, Commercial Lines Director of Production

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From fundraising dinners and holiday parties to weekly social gatherings, many clubs and community organizations serve alcohol as part of their regular activities. While these events help bring members together, they also create potential liquor liability exposures that can have serious financial consequences.

Whether your client operates a VFW post, American Legion, Moose Lodge, Elks Lodge, Eagles club, ethnic organization, social club, or another membership-based organization, having the proper insurance coverage is essential.

A COMMON CLAIMS SCENARIO

Imagine a social club hosts a Friday night event where alcohol is served to members and guests. One attendee is allegedly overserved before leaving the premises. On the drive home, they cause an automobile accident that results in serious injuries to another driver.

The injured party files a lawsuit against the club, alleging the organization negligently served alcohol to an intoxicated patron. Even if the club believes it acted responsibly, the legal costs to defend the claim—and any resulting settlement or judgment—could be substantial.

Liquor liability insurance is designed to help protect organizations from claims like these, providing critical financial protection when the unexpected happens.

WE CAN HELP COVER A WIDE VARIETY OF ORGANIZATIONS

Our liquor liability program is designed for many types of clubs and organizations, including:

  • VFW Posts
  • American Legion Posts
  • Eagles
  • Elks Lodges
  • Moose Lodges
  • Ethnic Organizations
  • Social Clubs
  • And many more

Need a complete insurance solution? We can also provide:

  • Directors & Officers (D&O) Liability
  • General Liability
  • Property Coverage

By packaging these coverages together, organizations can better protect themselves against a broad range of risks while simplifying their insurance program.

PROGRAM HIGHLIGHTS

Our liquor liability program includes valuable features such as:

  • Club members included as additional insureds at no additional premium
  • Liquor liability limits up to $1 million/$2 million
  • No liability deductible
  • Assault and battery coverage available
  • Same-day memberships eligible
  • Dancing and live entertainment eligible
  • Credits available for preferred accounts

YOUR GO-TO MARKET FOR CLUBS WITH ALCOHOL EXPOSURE

Organizations that serve alcohol need coverage designed for their unique exposures. Our experienced team is ready to help you place these risks with confidence.

To request a quote, simply complete an application and send it to info@apogeeinsgroup.com.

We look forward to helping you protect the organizations that bring communities together