Gateway Specialty Insurance offers a dedicated wholesale program for fraternal and social clubs, built to address the common liability, property, liquor and management risks these nonprofit membership groups face. The program is broker-friendly, nationally focused, and underwritten through USLI to deliver competitive terms for hard-to-place or specialty accounts.
Ideal Accounts and Appetite
Gateway Specialty targets a broad range of fraternal and social organizations, including:
- American Legion posts
- Ancient Order of Hibernians
- Cultural and ethnic clubs
- Fraternal Order of Eagles
- Lions Club chapters
- Loyal Order of Moose
- Masonic lodges
- Order Sons of Italy
- Private membership and recreational clubs
- Protective Order of Elks
- Veterans of Foreign Wars (VFW)
This program fits private, nonprofit groups that own or occupy club premises, host regular gatherings or public events, serve alcohol, or employ staff and volunteers. Typical risks addressed include general liability from events, liquor exposures, physical damage to club property, employee-related allegations, and management liability for volunteer leaders.
Coverage Highlights and Advantages
Agents can place either monoline or package policies depending on the club’s needs. Available coverages include:
- General Liability
- Liquor Liability
- Property (building and contents)
- Crime (available only when written with Property or General Liability)
- Directors & Officers (D&O) and Employment Practices Liability (EPL)
Packaging GL, Liquor, Property and D&O/EPL often yields the most complete protection for clubs that host events, operate bars, or manage volunteer leadership. Underwriting is handled through USLI, providing access to a specialty carrier familiar with nonprofit exposures and alcohol-related liabilities.
Underwriting Notes and Minimum Premiums
The minimum premium for the full package (General Liability, Liquor, Property, D&O and EPL) starts at $2,100. Submissions may be made using company applications or ACORD forms. Gateway Specialty provides responsive underwriting service; no binding authority is required and the program supports both agency bill and direct bill arrangements depending on the market.
Common underwriting considerations include ownership/occupancy status of the premises, alcohol service practices (licensed bartenders, third-party vendors, event types), payroll and volunteer exposure, prior loss history, and limits requested. Crime coverage is offered only when placed with Property or General Liability.
Territories and Availability
The program is available on a non-admitted basis in most U.S. states, including major markets such as CA, TX, FL, NY, IL, PA and GA. Agents should verify state-specific filing or surplus lines requirements during submission.
Why Work With Gateway Specialty Insurance?
Gateway Specialty is a wholesale broker focused on nonprofit and niche risks. Through relationships with top specialty markets like USLI, Gateway delivers tailored solutions for fraternal and social clubs that can be difficult to place in the standard market.
Advantages for agents include competitive terms for package placements, low minimum premiums for complete programs, straightforward submission requirements, and responsive underwriting support—helping you win and retain mission-driven clients without production commitments.
Example use cases: You might have a local Elks Lodge that owns its building, operates a bar for members and hosts weekly events — this account typically benefits from a package including GL, Liquor and Property plus D&O/EPL. Or you may represent a cultural society that rents space for public festivals and needs monoline GL with liquor liability for festival days.
To obtain a quote, please email applications or ACORDS to [email protected] or contact Anthony Vellutato at 877-977-4474 extension 7044 or [email protected] with questions.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is designed for nonprofit fraternal and social clubs that own or occupy premises, serve alcohol, or host public events — for example American Legion posts, Elks Lodges, Masonic lodges, and cultural clubs.
Can I write just one line of coverage, like General Liability?
Yes. The program accepts monoline placements, but Crime coverage is only available when placed with Property or General Liability.
Is this program available in all states?
The program is available in most U.S. states, including major markets such as California, Texas, Florida and New York. Coverage is issued on a non-admitted basis; confirm any state surplus lines requirements when submitting.
What is the minimum premium for a full package?
The minimum premium for the full package (GL, Liquor, Property, D&O and EPL) starts at $2,100.
Which carrier underwrites this program?
This program is underwritten by USLI, a specialty carrier with experience handling nonprofit and alcohol-exposed risks.
Need help placing an account? Connect with a market specialist.