We can consider many types of organizations under our Social Club product. American Legions and Veterans of Foreign Wars (VFWs) clubs fall in the category of social clubs, which are a huge growth opportunity. Today, American Legion membership stands at nearly 2 million across more than 13,000 posts worldwide, and there are more than 1.4 million VFW members across 6,000 posts worldwide. Some of the typical exposures for these organization include:
- Bar (liquor sales)
- Restaurant (food sales)
- Commercial cooking (deep fat fryers, open flame grill and woks)
- Community outreach
- Special events
- Flag/Funeral services (ceremonial guns)
- Banquet/Hall rental
- Off-site sales (liquor or food)
- Bingo
- Gambling (machines, pull tabs etc.)
- Bowling (property ineligible)
In addition to American Legions and VFWs, we can also consider the following:
- Game clubs
- Membership clubs
- Social clubs
- Hobby clubs
- Civic clubs
- Rotary clubs
- Cultural societies
USLI’s Social Club product is designed to meet the unique needs of these organizations within one policy. We can offer general liability, property, directors and officers liability and liquor coverage all on one policy.
Most Recently Bound Social Clubs:
VFW in Arizona
Property, general liability and liquor (with assault or battery) coverages including blanket additional insured and club members as additional insureds — $7,905 total premium
American Legion in Texas
Bigger risk with large building and high liquor sales — property, general liability and liquor (with assault or battery) coverage including blanket additional insured and club members as additional insureds — $50,676 total premium
American Legion in Ohio
Property, general liability, liquor (with assault or battery), crime and directors and officers coverage including blanket additional insured, club members as additional insureds and stop gap coverage — $14,569 total premium
Italian Club in Pennsylvania
Property, general liability and crime including club members as additional insureds — $8,252 total premium
Elks Lodge in California
Property, general liability and liquor (with assault or battery) coverage including blanket additional insured and club members as additional insureds — $8,097 total premium
