What is covered?
  • One million dollar limit protects for suits from bodily injury and property damage resulting from club activities at arenas, meeting halls, rental space, private homes, etc.
  • Personal injury including slander, libel, defamation of character, false arrest, invasions of privacy, wrongful detention and malicious prosecution (except for an offense related to membership).
  • Incidental sale of food, beverages, and other products.
  • Contractual liability for responsibilities clubs may assume under terms of a lease or rental of a facility (when properly disclosed).
  • Injury caused by the rendering or failure to render medical attention by nonprofessionals.
  • Fire or other damage to the premises housing a sponsored activity (up to $50,000).

The CGL Policy also provides up to $10,000 per person in accidental medical benefits. The $5,000 medical payment benefit is available only to nonmembers. It is designed to reimburse nonmembers for medical costs they incur as a result of any injury they sustain while attending a sponsored club activity.

The policy pays on behalf of the insured for those sums that they become legally obligated to pay as damages because of bodily injury or property damage, and pays defense fees in addition to the benefit limit.

The policy is designed to cover the usual and customary disclosed activities of a club. However, it does include the standard general liability exclusions of claims for war, nuclear, auto, aircraft, watercraft, and professional liability. Also personal property loaned to you or in your care, custody and control is excluded. It also excludes claims arising from abuse and molestation. The policy does include host liquor liability; however, liquor liability for the sale of alcoholic beverages or those situations where a license is required are not included.

Some clubs may have limits that differ from those shown above. This page explains the general purpose of the insurance, but in no way changes or affects the policy that is actually issued. Complete details can be found in the insurance policy from your club insurance representative.

ShowDate/Cert Request Form
Renewal Application

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