Insurance for Clubs & Lodges

Made for Lodge Operations

Designed for eligible veterans’ and fraternal lodges with licensed on-premises bars and the day-to-day realities of member service.

Focused on Alcohol-Service Claims

The policy may respond when selling, serving, or furnishing alcohol is alleged to have caused bodily injury or property damage, subject to issued terms, exclusions, limits, and retentions.

Underwritten Around the Premises

Alcohol receipts, hours, entertainment, licensing, loss history, and the declared premises help determine eligibility and policy terms.

Why Lodges Need Liquor LiabilityCoverage Shaped Around How the Bar Operates

A Licensed On-Premises Bar

Alcohol service creates liability exposure that ordinary premises coverage may not address. The issued liquor liability policy controls.

Members and Guests

Claims can begin with service to a member, guest, or allegedly intoxicated patron and continue after they leave the premises.

Events and Entertainment

Hours, alcohol receipts, entertainment, security, and special events can affect both underwriting and the terms available to a lodge.

Where Claims Begin And Policy Details Matter

What a Claim Can Look LikeIllustrative Scenarios

The Ride Home

After leaving the lodge, a patron is involved in a collision and the organization is accused of overserving them.

The Private Reception

A guest presents identification, is served alcohol, and a later injury claim alleges that the guest was under legal drinking age.

The Altercation

A dispute between patrons becomes an assault-and-battery claim, where the issued policy wording, limits, and any applicable sublimit determine available coverage.

FAQ

The program is designed for eligible veterans’ and fraternal lodges with licensed on-premises bars. Eligibility is subject to underwriting approval and availability in the applicable jurisdiction.

Liquor liability insurance may respond to covered claims alleging bodily injury or property damage caused by selling, serving, or furnishing alcohol. The issued policy controls, including its declarations, limits, retentions, exclusions, and endorsements.

Do not assume that a commercial general liability policy covers claims arising from alcohol service. A separate liquor liability policy may be needed. Read more about the liquor liability product.

The base coverage should not be assumed to extend to off-premises liquor events, catering, or mobile bartending. Any broader coverage must be issued in writing and is subject to its own terms.

Assault-and-battery coverage may be available when it is included in the issued policy. Any applicable sublimit, exclusion, or endorsement controls how a claim is handled.

Underwriting may review the liquor license, declared premises, alcohol receipts, hours of service, entertainment, events, staff practices, training, and loss history. Additional information may be required for a specific risk.

Availability varies by jurisdiction and risk. Coverage is subject to underwriting approval and availability. See our disclaimers page for licensing information.

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