What is The Preferred Club Program?
The Preferred Club Program is a specialized insurance solution designed to meet the unique liability and property protection needs of clubs, associations, and member-based organizations. Whether you're managing a golf club, social club, or community center, this program helps protect your organization from common risks associated with daily operations, public interactions, and facility use.
Who needs it
This program is ideal for a wide range of entities, including recreational clubs, social organizations, and lifestyle associations that host events, operate facilities, or employ staff. These groups often face operational hazards such as property damage, spectator injury exposures, and general liability risks from activities on or off premises.
What it typically covers
The Preferred Club Program generally includes:
- General liability coverage – for bodily injury and property damage claims
- Property coverage – for buildings, contents, and equipment
- Event liability – for hosted functions or offsite activities
- Directors and officers (D&O) liability – protects leadership from certain claims related to management decisions
- Employment practices liability – for issues like wrongful termination or discrimination claims
Some programs may also include commercial auto or participant accident coverage, depending on the nature of activities and assets involved.
Common exclusions or limitations
As with most insurance policies, there are exclusions. Common ones may include:
- Intentional acts or criminal behavior
- Professional liability for services not covered under the policy
- Pollution or environmental exposures without specific endorsements
Understanding your policy’s exclusions is essential for proper risk management. For example, if your club uses large equipment or hosts sporting events, specialized endorsements may be needed.
Factors that influence cost
Several underwriting factors affect premium pricing:
- The size and type of club or organization
- Annual revenue and number of members
- Facility conditions and location
- Types of activities and events hosted
- Prior claims history
For instance, a private country club with a golf course and banquet hall will have a different risk profile than a small social club that meets monthly at a rented venue.
Proof of insurance & compliance
Many clubs are required to show proof of insurance to landlords, municipalities, or licensing bodies. A certificate of insurance (COI) is often used to demonstrate coverage and compliance. COIs are also commonly requested by vendors or event venues before allowing use of facilities.
How to get a quote
Getting a quote is simple. Gather details about your organization’s size, operations, and past insurance history. Then, request a quote through our online form to receive customized coverage options that fit your needs.
Looking for broader protection? See how the Preferred Property Program or Preferred Hospitality Program might complement your coverage if your operations include lodging or residential components.
Frequently Asked Questions
What types of clubs are eligible for The Preferred Club Program?
Eligibility typically includes social clubs, recreational organizations, golf or tennis clubs, and similar member-based groups.
Does this program cover events hosted by the club?
Yes, most policies include event liability coverage for functions organized or hosted by the club, whether on- or off-site.
Can I add coverage for club-owned vehicles?
Some programs allow optional commercial auto coverage if your organization owns or operates vehicles as part of its services.
Is property damage caused by members covered?
It depends on the policy. General liability may cover certain third-party claims, but intentional or internal damages may be excluded.
How quickly can I get proof of insurance?
Once your policy is issued, a certificate of insurance is typically available within 1–2 business days, sometimes sooner.
Still have questions? Talk to a local insurance expert.