Fraternal Clubs

Comprehensive Insurance Solution for Fraternal Clubs

Apogee Insurance Group offers a tailored insurance program built specifically for licensed fraternal clubs and similar non-profit social organizations. This consolidated package covers the common exposures these groups face—general liability, liquor liability, property, and management liability—under one streamlined policy and application. The program is designed so you can quote, bind, and manage coverage efficiently through a single underwriter.

Ideal Accounts and Target Classes

This program is a strong fit for non-profit fraternal and veterans’ organizations that hold regular member events, own or lease buildings, and may serve alcohol on premises. Typical classes include:

• Elks and Moose lodges
• Knight of Columbus chapters
• VFW and American Legion posts
• Other organized non-profit fraternal/social clubs

Accounts with an established governance structure, documented risk-management practices, and a generally clean loss history are preferred.

Coverage Highlights and Advantages

Apogee’s Fraternal Clubs program is underwritten by United States Liability Insurance and provides a broad set of protections tailored to this niche:

• General Liability: $1M per occurrence / $2M aggregate, with an expanded definition of Bodily Injury that includes Mental Anguish and Emotional Distress where applicable.
• Liquor Liability: $1M/$2M, with Defense Costs outside the limits, no deductible, and Assault & Battery coverage offered on most risks (not available in Texas).
• Property Coverage: Limits up to $750,000 for eligible non-coastal locations; coastal properties are limited to $250,000.
• Directors & Officers / Employment Practices Liability: Separate limits with Defense Costs outside the limit to protect volunteer leaders and staff.

The program emphasizes operational simplicity—one application, one underwriter, and one policy package—so agents can place accounts quickly without juggling multiple carriers or forms.

Underwriting Notes

This is a non-admitted program placed through an Excess & Surplus Lines broker. Apogee looks for organizations with clear bylaws, active governance, documented alcohol-service controls (where applicable), and acceptable loss experience. Typical restrictions include lower property limits for coastal exposures and the exclusion of Assault & Battery coverage in Texas.

States Available

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 specializes in niche E&S markets and provides responsive underwriting and placement for hard-to-place non-profit risks. By partnering with Apogee you get:

• Access to a program tailored to fraternal clubs and social organizations.
• Streamlined submissions and faster turnaround from a single underwriter.
• Broad coverages from a financially strong carrier (United States Liability Insurance).
• Underwriting that understands common fraternal exposures—alcohol service, volunteer leadership liability, property exposures from clubhouse ownership, and event liability.

Example Accounts

You might have a local Moose Lodge that owns its building, hosts weekly gatherings with occasional alcohol service, and needs a combined liability/property program—this fits well within Apogee’s appetite. Another example is a Knights of Columbus chapter that leases a hall for fundraisers and needs liquor liability plus D&O protection for volunteer officers.

Frequently Asked Questions

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