Leaders make daily decisions that impact the success of their organization. As a leader, these Post members are expected to accept the same guidelines and duties that the heads of major corporations follow: the duties of diligence, loyalty and care. Despite leaders having the best interests of the organization at heart, they can make mistakes and their choices can be questioned. Costly claims can ensue, especially if the leader’s decision [...]
Homes, vehicles, rentals and more—All property is important to upkeep and maintain, and the same is true of any property your Post owns. Maintaining property and prioritizing safety improvements not only adds to your property value, but it also keeps your members and guests safe and comfortable. Read on for tips to maintain and improve your Post property. Self-Inspect for Maintenance and Safety Improvements for Post Property It can be [...]
Whatever part of the country your organization is in, severe weather can impact your operations. Consider these statistics on severe weather from the National Oceanic and Atmospheric Administration (NOAA): About 1,200 tornadoes hit the U.S. each year. 100,000 thunderstorms occur each year in the U.S. and 10% reach severe levels. Damaging winds are classified as those exceeding 50-60 mph. In the U.S., floods kill more people each year than tornadoes, [...]
Whether you have been managing your organization’s insurance for months or years, insurance policies can change, your Post may evolve and questions can arise. Browse some of our recent frequently asked questions about Post insurance to stay up-to-date on all things Post insurance. Frequently Asked Questions about Post Insurance To get a clearer understanding of your organization’s insurance, browse these frequently asked questions about Post insurance. Our organization is a [...]
Fireworks, parades, tractor pulls, silent auctions, carnivals, bake sales—your organization partakes and hosts all kinds of events. But which events are covered by a basic general liability or umbrella policy and which events need a special event policy? Many activities, including fundraising activities, may require a special event policy due to additional exposures associated with the event. Read on for examples of events covered under your organization’s general liability and [...]
Just as your fraternal organization faces cyber liability risks, so do your members. In fact, the Senate passed the Fraud and Scam Reduction Act in 2021 to create an advisory group to educate consumers about scams, improve industry fraud-prevention training, develop better ways to stop scams before they happen and expand fraud prevention research. And certain citizens may be impacted more than others. According to The Special Committee on Aging, [...]
As a fraternal organization operating in today's digitally connected world, your Post faces several cyber liability risks. Typically, most fraternal organizations do not consider themselves at risk for a cyber attack and have failed to take measures to secure their systems and data, making them an even bigger target. To protect your organization, it's important to understand your cyber liability risks and know how to protect against them. Common cyber [...]
As your organization changes from year to year, your insurance needs may change. Whether your Post participates in new activities, hosts new events or has changes to its membership, Lockton Affinity provides access to a variety of insurance policies that can help safeguard your organization throughout it all. You begin hosting events with alcohol When alcohol is served, your organization needs proper insurance to protect against the risks and liability [...]
Without a strong culture of safety in place at your organization, unsafe conditions can go uncorrected or unnoticed. Volunteers and members may not feel comfortable raising safety-related concerns and the risk of serious injuries may increase. To make your Post safer, it is important to take a proactive approach before incidents occur. With the right plan in place, you can help prevent injuries, illnesses and deaths at your organization, as [...]
When alcohol is served, your organization needs proper insurance to protect against the risks and liability associated with alcohol. Depending on the type of event, whether your Post is hosting or renting its buildings, you will need different insurance coverage. Read on to understand the differences between liquor liability insurance, host liquor liability insurance and special event coverage. Understanding Liquor Liability insurance Liquor liability insurance is coverage for organizations that [...]
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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.