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 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 [...]
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 [...]
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 [...]
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 [...]
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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.