Each day your organization is open, there’s the opportunity for a lot of things to go right. Most days, they do. But every so often, you’ll have a day when something goes wrong. When it does, having the right insurance coverage will be important. Today’s fraternal organizations face many different kinds of risks, making several insurance policies a must. Read on to understand key insurance policies VFW Posts need in [...]
Whether your organization operates a bar or hosts events where alcohol is served, organizations that sell or serve alcohol face many risks — the liability of the actions of an intoxicated person, reputational risks and more. Taking care to understand these risks, complying with all local laws and requirements and investing in alcohol server training can make a difference for your organization, patrons and attendees. Read on to learn more [...]
Originally published in December 2021. Updated November 2025. VFW Posts take pride in decorating their Post Home for festivities throughout the holiday season. Whether your Post decorates a small Charlie Brown tree or goes full Chevy Chase, keep your Post’s property and members safe with these tips. Indoor Holiday Decorating Safety Tips Live and Artificial Trees Purchase a live tree — To minimize fire hazards and maximize a long life, [...]
Originally published in December 2022. Updated October 2025. Protecting your organization from internal and external theft is an important risk management tactic to reduce loss and claims. Theft may rise as inflation and prices rise, and fraternal organizations become a target for thieves hoping to grab cash, food, alcohol and other valuables. Even in times of economic stability, theft remains a significant risk for fraternal organizations. Follow these tips for [...]
Originally published in September 2020. Updated October 2025. Every insurance claim is different, but some common fraternal claims come up more often than others. General liability claims, property damage claims and liquor liability claims are three common types of claims that occur at fraternal organizations. Because your Post is at a higher risk from these common claims, it’s important to make sure you’re fully covered and take the right steps [...]
Originally published in March 2022. Updated October 2025. A simple “wet floor” safety sign can mean the difference between a normal day at your Post and a trip to the emergency room. While the primary purpose of safety signage is keeping people safe, there are other benefits, too: Reducing accidents Promoting a culture of safety Minimizing legal risks Facilities that have clear and consistent safety signage see a reduction in [...]
Originally published in September 2020. Updated September 2025. Volunteers help contribute the skills, manpower and enthusiasm your organization needs to succeed without breaking the bank. But bringing new volunteers into your Post also presents risk, and that’s why all Posts need to screen volunteers. We would all like to believe volunteers get involved in causes and organizations for the right reasons, but this isn’t always the case. Poor decision-making, dishonesty [...]
Originally published in January 2024. Updated September 2025. While it’s no secret that Posts help members make lasting connections and feel part of the community, your organization can likely do even more to help Post member wellness mentally, physically and emotionally. Read on for specific events and ideas your organization can implement to help Post members’ mental, physical and emotional health. Post Member Wellness — Mental and Emotional Support Rates [...]
A culture of safety is important for members and guests alike. That’s why Lockton Affinity, administrator of the VFW Post Insurance Program, offers a robust library of safety resources for fraternal organizations like yours. Free to Posts, resources include risk management articles, quarterly safety newsletters, online training courses and more. Read on to learn about the helpful safety resources for fraternal organizations. Safety Resources for VFW Posts — Risk Management [...]
Employment practices liability (EPL) coverage, included in Directors and Officers coverage, deals with hiring, firing and everyday workplace interactions. Employment practices liability claims alleging workplace discrimination or sexual harassment are increasingly common. Members and guests may file an employment practices liability claim against the Post if they feel they have been discriminated against, sexually harassed or wrongfully expelled/terminated from the organization. Employment practices liability policies provide coverage for these types [...]
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The Lockton Affinity VFW Post Insurance Program is administered by Lockton Affinity, LLC d/b/a Lockton Affinity Insurance Brokers LLC in California #0795478. Coverage is subject to actual policy terms and conditions. Policy benefits are the sole responsibility of the issuing insurance company. Coverage may be provided by an excess/surplus lines insurer which is not licensed by or subject to the supervision of the insurance department of your state of residence. Policy coverage forms and rates may not be subject to regulation by the insurance department of your state of residence. Excess/Surplus lines insurers do not generally participate in state guaranty funds and therefore insureds are not protected by such funds in the event of the insurer’s insolvency. VFW will receive a royalty fee for the licensing of its name and trademarks as part of the insurance program offered to the extent permitted by applicable law.