INSURANCE FOR FRATERNAL/SOCIAL CLUBS CARRIER PAGE APPLICATION
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1 INSURANCE FOR FRATERNAL/SOCIAL CLUBS Insrance for fraternal clbs is specifically designed to meet the needs of social organizations inclding charitable member organizations, cltral clbs, hobby clbs, military clbs, veteran organizations and more. Coverage can inclde General Liability, Property, Liqor liability, Inland Marine, Assalt and Battery, Directors & Officers, Employment Practices Liability and Umbrella. CARRIER PAGE APPLICATION UNITED STATES LIABILITY INSURANCE WESTCHESTER... 7 DOWNLOAD RECENTLY WRITTEN BUSINESS: 1. Fraternal organization ($16,314) 2. Veteran clb ($9,366) 3. Axiliary grop ($4,854) 4. Military social clb ($3,175) 5. Hobby clb ($400) 6. Cltral organization ($300) CLAIM EXAMPLES: A fraternal clb was hosting a private reception for members and their gests. An nderage gest presented a fake ID and was served alcohol. The intoxicated minor left the establishment and fatally injred an innocent victim. The family of the deceased sed the clb for serving a minor. Three fraternal clb members attended a dance at the local fraternal clb where they consmed alcohol. One hor after leaving the dance they were involved in an accident where one passenger sstained a tramatic head injry. He was in a coma for two months with over $350,000 in medical bills. The passenger sed the clb for serving an intoxicated person. A gest was involved in a physical altercation casing injries. The fraternal clb was sed $50,000 The personal assets of the directors and officers of a fraternal clb were exposed when the organization ran ot of fnds to pay for a sit broght against it. A fraternal clb employee sed the clb s governing board alleging that the directors and officers were negligent for failing to spervise the clb manager, who she claimed sexally harassed her. An officer served a term on the board of directors for a fraternal clb. Eighteen months after completing his service, he was named in a sit alleging mismanagement of fnds for the last five years. The ex-officer discovered that the crrent board of directors had failed to renew its insrance policy. So, even thogh he had diligently maintained insrance coverage throghot his term of service, the former officer was left with no coverage for this sit. Phone: Fax: Website:
2 Gateway Specialty Insrance 1170 Devon Park Drive, Wayne, PA Phone: Fax: Fraternal Clb Prodct Or ALL-IN-ONE Non Profit Package prodct provides Fraternal Clbs and Private Membership Grops the opportnity to prchase General Liability, Liqor Liability, Property, Directors & Officers and Employment Practices Liability coverage all throgh One application, One nderwriter, and One policy! GENERAL LIABILITY FEATURES: General Liability limits p to $1,000,000/$2,000,000 Expanded definition of Bodily Injry to inclde Mental Angish and Emotional Distress Clb members inclded as Additional Insreds No Dedctible Hired & Non-owned Ato Liability coverage available Assalt & Battery coverage available on most acconts No designated premises limitation CRIME COVERAGE FEATURES: Employee Dishonesty coverage limit p to $100,000 Monies & Secrities coverage available inside and otside of Premises ADDITIONAL ADVANTAGES: Qick qote trnarond Qick binder confirmation A.M. Best rated A++ carrier PROPERTY FEATURES: Special Case of Loss form Eqipment Breakdown-incldes free boiler inspection if reqired Vale Pls Endorsement Bsiness Income coverage LIQUOR LIABILITY FEATURES: Insred has the option of either Basic or Top Shelf coverage: Basic Form featres Defense costs inside the limits of liability and an exclsion for Assalt or Battery coverage Top Shelf provides coverage for Defense costs otside the limits of liability, may provide coverage for Assalt or Battery and incldes atomatic coverage for the Liqor License holder as an additional insred Limits p to $1,000,000/$2,000,000 No Dedctible Clb members inclded as Additional Insreds Assalt & Battery coverage available on most acconts Credits available for responsible clbs with a formal third party server awareness training program DIRECTORS & OFFICERS/EMPLOYMENT PRACTICES FEATURES: Separate Limits of Liability Unlimited Defense Costs otside the limit Unlimited Extended Reporting Period for former Directors & Officers Atomatically incldes third party discrimination and harassment Free Hman Resorces Hotline with nlimited nmber of calls and no time limits (when EPL is prchased) This docment does not amend, extend or alter the coverage afforded by the Policy. For a complete nderstanding of any insrance yo prchase, yo mst first read yor Policy, Declaration Page and any Endorsements and discss them with yor Broker. A specimen policy is available from an Agent of the Company. Yor actal Policy Conditions may be amended by Endorsement or affected by State Laws. FC-NR 9/09
3 Fraternal Clb Prodct Gateway Specialty Insrance 1170 Devon Park Drive, Wayne, PA Phone: Fax: THIS ALL-IN-ONE POLICY IS DESIGNED FOR FRATERNAL CLUBS AND PRIVATE MEMBERSHIP GROUPS. COVERAGES INCLUDE GENERAL LIABILITY, LIQUOR LIABILITY, PROPERTY, CRIME AND DIRECTORS & OFFICERS LIABILITY WITH OPTIONAL EMPLOYMENT PRACTICES LIABILITY. WHY DOES YOUR CLUB NEED TO PURCHASE ALL OF THESE COVERAGES? The negligent service to an intoxicated person or nderage person can prodce sbstantial verdicts or settlements against yo Yor clb may be held liable for the actions of members or other persons serving alcohol in violation of state laws Slip and falls that occr on yor premises Board of Directors can be sed for mismanagement of fnds Employment-related laws are the same for any type of organization Coverage for theft of monies & secrities by employees Why shold yo prchase The United States Liability Insrance Grop s Fraternal Clb Prodct? Maximize efficiency: One Application, One Qote, One Underwriter, One Policy, One Renewal, One Carrier for all claims, with one concrrent effective date COVERAGE FEATURES OUR GROUP COMPETITORS POLICY Separate Limits of Liability for D&O, EPL, GL and Liqor P? Defense Otside the Limit of Liability on all claims for GL, D&O & EPL P? Third Party Sexal Harassment and Third Party Discrimination Coverage P? Mental Angish and Emotional Distress inclded in the General Liability definition of Bodily Injry P? Fndraisers and certain special events inclded at no additional cost P? Clb members inclded as an additional insred for both General & Liqor Liability P? Assalt and Battery coverage available on most risks P? Special Case of Property Loss/Replacement Cost Coverage/Optional Eqipment Breakdown Coverage P? Vale Pls Endorsement 15 valable coverage enhancements inclding; Water Back-p, Money & Secrities, Employee Dishonesty, Signs, Transit and more P? WHY CHOOSE TO BE INSURED WITH UNITED STATES LIABILITY INSURANCE GROUP? One of only 20 A++ rated insrance grops in the United States by A.M. Best. A prod member of the Berkshire Hathaway Grop, recently voted the #1 most admired Property & Casalty Company in the world (Fortne Magazine). Insre yor financial well-being with a stable Company that will be there to pay yor claim. This docment does not amend, extend or alter the coverage afforded by the Policy. For a complete nderstanding of any insrance yo prchase, yo mst first read yor Policy, Declaration Page and any Endorsements and discss them with yor Broker. A specimen policy is available from an Agent of the Company. Yor actal Policy Conditions may be amended by Endorsement or affected by State Laws. FC-POS 5/10
4 HIT ZONE PRODUCT UNDERWRITING GUIDE Fraternal Clbs Risks with p to 1,000 active members New ventres Eligible classes inclde, bt are not limited to: Axiliary grops Ethnic clbs Military social clbs Social clbs Charitable member organizations Fraternal organizations Private membership grops Veteran organizations Cltral organizations Hobby clbs PRODUCT ADVANTAGES General liability No designated premises limitation Fndraisers and certain special events inclded at no additional cost Clb members inclded as additional insred Hall/Banqet rental is inclded at no additional cost Blanket additional insred available for nominal cost Liqor liability Two options are available to appeal to the cost or coverage conscios byer Top Shelf Provides defense costs otside the limits, assalt or battery coverage available in most areas, liqor license holder inclded as additional insred at no charge Basic Provides defense costs inside the limits, assalt or battery is exclded Clb members inclded as additional insred at no charge Mltiple credits available Directors and officers/employment practices liability Lifetime occrrence reporting provision Unlimited reporting extension for former directors and officers Data & Secrity+ endorsement Provides a $50,000 expense sblimit each for data breach, identity theft, workplace violence and kidnap expenses Fll prior acts coverage Breach of contract coverage Unlimited defense otside the limits on Broad Form Fair Labor Standards Act (FLSA/wage and hor) sblimit of $100,000 for defense costs and loss (available in most states) Optional fidciary coverage Optional Standard Form A competitively priced alternative to or Broad Form option Package offerings can also inclde inland marine, hired/non-owned ato (available in most states), excess and mbrella coverages HZ_Nonprofit_Specialty 3/15
5 AVAILABLE LIMITS General liability available p to $1,000,000/$2,000,000 Liqor liability p to $1,000,000 Directors and officers/employment practices liability p to $5,000,000 Crime coverage/employee dishonesty p to $100,000 Property p to $3,000,000 (risks withot a cooking exposre) $1,500,000 (risks with a cooking exposre) Hired and non-owned ato p to $1,000,000 Excess/Umbrella coverage p to $5,000,000 BUSINESS RESOURCE CENTER Provides centralized access to bsiness soltion vendors for all policyholders. Soltions inclde: Hman resorces services Pre-employment and tenant screenings Identity theft protection Marketing resorces Non Profit Resorce Center also available at MOST COMMON INELIGIBLE RISK CHARACTERISTICS The following classes of bsiness Hnting and fishing clbs Gn clbs Collegiate fraternities and sororities Alminm or knob and tbe wiring (for bildings bilt prior to 1978) Wiring not 100 percent connected to fnctional circit breakers (for bildings bilt prior to 1978) Located in AK, LA or WV NOTE: Many classes may still be eligible for or Nonprofit Directors and Officers Liability/Employment Practices Liability prodct. Ineligible risk characteristics inclde, bt are not limited to those listed above. CONTACT YOUR UNDERWRITER FOR MORE INFORMATION AT OR VISIT USLI.COM. This docment does not amend, extend or alter the coverage afforded by the policy. For a complete nderstanding of any insrance yo prchase, yo mst first read yor policy, declaration page and any endorsements and discss them with yor agent. A sample policy is available from yor agent. Yor actal policy conditions may be amended by endorsement or affected by state laws. HZ_Nonprofit_Specialty 3/15
6 Gateway Specialty Insrance 1170 Devon Park Drive, Wayne, PA Phone: Fax: Fraternal Clb Prodct Claim Examples A clb was hosting a private reception for members and their gests. An nderage gest presented a fake ID and was served alcohol. The intoxicated minor left the establishment and fatally injred an innocent victim. The family of the deceased sed the clb for serving a minor. Three clb members attended a dance at the local fraternal clb where they consmed alcohol. One hor after leaving the dance they were involved in an accident where one passenger sstained a tramatic head injry. He was in a coma for two months with over $350,000 in medical bills. The passenger sed the clb for serving an intoxicated person. An officer served a term on the board of directors. Eighteen months after completing his service, he was named in a sit alleging mismanagement of fnds for the last five years. The ex-officer discovered that the crrent board of directors had failed to renew its insrance policy. So, even thogh he had diligently maintained insrance coverage throghot his term of service, the former officer was left with no coverage for this sit. A gest was involved in a physical altercation casing injries. The clb was sed for Assalt and Battery. The personal assets of the directors and officers of a non profit organization were exposed when the organization ran ot of fnds to pay for a sit broght against it. A clb employee sed the clb s governing board alleging that the directors and officers were negligent for failing to spervise the clb manager, who she claimed sexally harassed her. This docment does not amend, extend or alter the coverage afforded by the Policy. For a complete nderstanding of any insrance yo prchase, yo mst first read yor Policy, Declaration Page and any Endorsements and discss them with yor Broker. A specimen policy is available from an Agent of the Company. Yor actal Policy Conditions may be amended by Endorsement or affected by State Laws. FC/NPP-CLA 12/05)
7 Westchester Binding PRIVATE FRATERNAL CLUBS Westchester Binding is now able to consider the complete package for yor Private Fraternal Clb acconts! Obtain a comprehensive qote with General Liability and Property coverages, with the ability to cover exposres generated from hall rental and bingo operations. Description Fraternal Clb No cooking or alcohol Class Code Rating Basis Area Key Featres Broad appetite for any private clb with non-profit stats Risks with alcohol sales, major entertainment and boncers eligible Bsiness owners package with the ability to consider p to $5,000,000 in total Property vales Liqor Liability with fll Assalt & Battery coverage p to $1,000,000/$2,000,000 available for qick qote on same online platform Fraternal Clb With cooking or alcohol Sales Fraternal Clb Hall exposre Area Bingo Games Admissions Insrance provided by Westchester Fire Insrance Company and its U.S. based Chbb nderwriting company affiliates. Chbb is the marketing name sed to refer to sbsidiaries of Chbb Limited providing insrance and related services. For a list of these sbsidiaries, please visit or website at chbb.com. All prodcts may not be available in all states and srpls lines prodcts can only be offered throgh licensed srpls lines prodcers. This commnication contains prodct smmaries only. Coverage is sbject to the langage of the policies as actally issed /
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