As the weather gets nicer, many Posts will plan outdoor events for members and guests. Everyone enjoys spending time outside, participating in a parade, having a picnic or just enjoying the great outdoors. But for event attendees to enjoy a safe outing, organizers need to spend some time thinking about what might go wrong. Every event faces safety risks and outdoor events are no different. Here are the top 10 [...]
Unwanted pests are a common problem for facilities, where insects, rodents and other small animals seek easy access to food, water and shelter. These pests can be a problem for your Post in more ways than one. Some pests carry diseases which can cause illness to members, guests and volunteers. Others can cause significant property damage to your building. To reduce the risk to your Post, make sure you are [...]
If your Post hosts events where alcohol is served, you may face risks that other organizations don't have to think about through dram shop laws. In some cases, you can be sued for the damages caused by an event attendee who's had too much to drink. To protect your Post, it's important to know what liquor liability laws apply. However, compliance can be tricky because the law varies quite a [...]
Insurance can be a confusing topic. Unlike other purchases you make for the Post, no instruction manual comes in the box. This can make it hard to know how to use your new insurance, when to make changes and what options you have at renewal. Our customer service team loves hearing from our clients and answering your questions. Some of the most common questions we hear can be answered right [...]
Every claim is unique, but some kinds of claims come up more often than others. That's the case with many liquor liability claims, which tend to fall into 3 main categories. If your Post hosts events where alcohol is served, you face a higher risk for these liquor liability claims. Here's what your Post should know about the 3 common liquor liability claims and the steps you can take to [...]
Working with vendors can be extremely beneficial to your Post. Specialized vendors who handle your Post's food and beverage, alcohol, cleaning or technical needs can be a big help, boosting efficiency while saving on costs. But working with vendors also presents some challenges. Partnering with a vendor can expose your Post to added risk, so it's important to minimize the chance of potential problems. The right level of insurance protection [...]
Things often get busy at the Post, making it easy to overlook when a member, volunteer or guest brings up a complaint. Mistakes and misunderstandings happen every day, even when your Post is led by passionate, hard-working people. While we all would like to minimize our mistakes, how you handle these difficulties is often more important. A complaint represents a risk to your organization. Complaints that are brushed off or [...]
It's the height of summer, and many people are excited to be spending more time outdoors after COVID-related closures. But along with the fresh air and sunshine there is extreme heat that can be dangerous to your health. As your Post schedules activities outdoors this summer, take the heat into account. It could mean the difference between a memorable outing and a medical emergency. Help your Post members, volunteers and [...]
You can turn to the first aid kit for relief from a headache or bandages for a scrape, but do you have the right supplies for an emergency? If a member or guest at the Post becomes ill or is seriously injured, the right first aid kit supplies can make all the difference while also helping to protect your Post from a claim. First Aid Kit Requirements Organizations must comply [...]
A successful risk management program can protect your members from harm and your Post from associated costs. Because of the program’s importance, Post leadership should hold the responsibility of the risk management program planning. When implementing a risk management program, consider the following fundamentals: State the reasons for having the program. These objectives will determine the depth and scope of the program’s development. Write a policy statement and explain it [...]
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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.