Gateway Specialty Insurance offers a dedicated insurance program tailored to meet the unique risks faced by fraternal and social clubs. This program is built to serve a wide range of nonprofit and membership-based organizations across the country, providing comprehensive coverage options through a streamlined, broker-friendly process.
Ideal Accounts and Appetite
Gateway Specialty targets a broad spectrum of fraternal and social clubs, including but not limited to:
- American Legion
- Ancient Order of Hibernians
- Cultural Clubs
- Fraternal Order of Eagles
- Lions Club
- Loyal Order of Moose
- Masonic Lodges
- Order Sons of Italy
- Private Membership Groups
- Protective Order of Elks
- Veterans of Foreign Wars (VFW)
This program is ideal for private, nonprofit groups that host events, maintain club premises, serve alcohol, or employ staff or volunteers. Whether your client runs a local Elks Lodge or a regional cultural society, this program addresses the liability and property exposures commonly faced by such organizations.
Coverage Highlights and Advantages
Agents can access both monoline and package policy options, allowing flexibility based on the club’s specific needs. Available coverages include:
- General Liability
- Liquor Liability
- Property Coverage
- Crime Coverage (available only when written with Property or General Liability)
- Directors & Officers (D&O) and Employment Practices Liability (EPL)
This program is underwritten through USLI and offers competitive terms with low minimum premiums. Clubs that own property, host regular gatherings, or serve alcohol particularly benefit from the package offering that combines GL, Liquor, Property, and D&O/EPL.
Underwriting Notes and Minimum Premiums
Minimum premium starts at $2,100 for the full package, which includes General Liability, Liquor Liability, Property, Directors & Officers, and Employment Practices Liability. Submissions can be made via applications or ACORD forms.
Gateway Specialty is known for responsive underwriting and expert handling of nonprofit risks. Agents can expect a smooth quoting process with no binding authority required, and both agency bill and direct bill options are available depending on the market.
Territories and Availability
This program is available in nearly all U.S. states, including but not limited to CA, TX, FL, NY, IL, PA, and GA. Coverage is written on a non-admitted basis, so agents should confirm state-specific requirements during the quote process.
Why Work With Gateway Specialty Insurance?
Gateway Specialty is a wholesale broker with deep expertise in nonprofit and niche risks. With access to top-rated markets like USLI, Gateway offers agents reliable solutions for hard-to-place or specialized accounts. Their focus on allied healthcare, nonprofit, and technology sectors also means they understand the unique operational risks associated with mission-driven organizations.
You’ll benefit from low minimum premiums, no production commitments, and a simplified submission process—making it easier to win and retain fraternal and social club clients.
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 ideal for nonprofit fraternal and social clubs, such as American Legion posts, Elks Lodges, Masonic Lodges, and cultural clubs that own property, serve alcohol, or host public events.
Can I write just one line of coverage, like General Liability?
Yes, the program allows for monoline or package policies. However, Crime Coverage is only available when combined with Property or General Liability.
Is this program available in all states?
The program is available in most U.S. states, including major markets like California, Texas, Florida, and New York. It is written on a non-admitted basis.
What is the minimum premium for a full package?
The minimum premium for the full package including GL, Liquor, Property, D&O, and EPL is $2,100.
Which carrier underwrites this program?
This program is underwritten by USLI, a well-established carrier known for its specialty market expertise.
Need help placing an account? Connect with a market specialist.