If your Post owns one or more vehicles or if someone is driving on your Post's behalf, it is important to have Business Auto Liability and/or Hired and Non-Owned Auto Liability Insurance in place. You also need to have policies and guidelines in place to make sure that you choose carefully when determining who is allowed to drive them on your organization’s behalf. Any approved drivers you select should also [...]
When planning fundraisers, holiday parties and other events your Post hosts, it's important to assess potential risks and implement safety measures. Taking time to prepare can help ensure a smooth, enjoyable event for everyone. Prevent Slips, Trips and Falls As one of the leading industry incidents, slips, trips and falls can be costly for your Post. Follow these tips to prevent anyone from getting hurt at your event. Clean up [...]
Despite how successful your Post’s risk management program is, Post members and volunteers can still get injured at your Post. Workers’ Compensation insurance provides coverage for “on-the-job” injuries, including medical expenses and lost wages. This coverage applies regardless of fault and is written to follow individual state laws. Some states require this coverage, while others highly encourage it. Because workers’ compensation claims are different from case to case, there is [...]
When is the last time you had your building’s roof inspected? If you can’t remember, or if it’s been longer than a year, get a roofing professional out to take a look. Ideally someone examines your Post’s roof every spring and fall to make sure nothing has been damaged by severe weather during the previous seasons. The roof’s job is to protect the entire building from the elements, so it’s [...]
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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.