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