Comprehensive Insurance Solution for Fraternal Clubs
Apogee Insurance Group offers a tailored insurance program specifically designed for Fraternal Clubs and similar non-profit social organizations. This all-in-one package provides robust coverage options to address the unique risks these organizations face—everything from general liability to liquor liability and property protection. With streamlined underwriting and just one application, agents can handle the entire process efficiently under one policy.
Ideal Accounts and Target Classes
This program is ideal for licensed fraternal clubs and social organizations that operate as non-profits and may own or lease property, host events, and serve alcohol. Typical accounts include:
- Elks Lodges
- Moose Lodges
- Knight of Columbus chapters
- VFW and American Legion posts
- Other non-profit fraternal organizations
Accounts that involve regular member gatherings, serve alcohol on premises, and own buildings are particularly well-suited for this program.
Coverage Highlights and Advantages
Apogee’s Fraternal Clubs program is underwritten by United States Liability Insurance and offers a broad range of protections, including:
- General Liability: $1M per occurrence / $2M aggregate limits, with expanded definition of Bodily Injury including Mental Anguish and Emotional Distress.
- Liquor Liability: $1M/$2M limits, with Defense Costs outside the limits, no deductible, and Assault & Battery coverage available on most risks (excluding Texas).
- Property Coverage: Limits up to $750,000; coastal properties limited to $250,000.
- Directors & Officers / Employment Practices Liability: Separate limits with Defense Costs outside the limit.
The program is designed for simplicity and efficiency—one application, one underwriter, one policy. This makes it easy for agents to quote and bind coverage quickly for their non-profit clients.
Underwriting Notes
This is a non-admitted program written through an Excess & Surplus Lines Broker. Apogee looks for organizations with a clear structure, documented risk management practices, and a clean loss history. While the program is flexible, certain exclusions and limitations apply—such as reduced property limits in coastal areas and no Assault & Battery coverage in Texas.
States Available
This program is available in most states including AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, and WY.
Why Work With Apogee Insurance Group?
Apogee Insurance Group specializes in niche E&S markets and offers responsive service and expert underwriting for hard-to-place risks. By working with Apogee, agents gain access to a well-structured fraternal club program backed by a financially strong carrier. You’ll benefit from a streamlined submission process, broad coverage options, and a partner who understands the needs of non-profit organizations.
Whether you’re working with a local Moose Lodge that owns its property and hosts weekly events or a Knights of Columbus chapter that serves alcohol at fundraisers, Apogee can help you find the right fit for your client’s risk profile.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Fraternal clubs such as Elks, Moose, Knights of Columbus, and American Legion posts that are non-profit and may serve alcohol or own property are ideal candidates.
Is liquor liability included in the program?
Yes, liquor liability with $1M/$2M limits is included, with defense costs outside the limits, no deductible, and Assault & Battery coverage available in most states (except Texas).
Can I write property coverage for clubs in coastal areas?
Yes, but property limits are capped at $250,000 for coastal locations. Non-coastal properties can be covered up to $750,000.
Is this an admitted or non-admitted program?
This program is offered on a non-admitted basis through an Excess & Surplus Lines Broker.
What makes Apogee a good partner for this type of business?
Apogee provides a streamlined submission process, responsive underwriting, and access to a strong carrier. Their expertise in non-profit markets ensures your clients get the right coverage quickly.
Need help placing an account? Connect with a market specialist.