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 December 2021. Updated November 2025. VFW Posts take pride in decorating their Post Home for festivities throughout the holiday season. Whether your Post decorates a small Charlie Brown tree or goes full Chevy Chase, keep your Post’s property and members safe with these tips. Indoor Holiday Decorating Safety Tips Live and Artificial Trees Purchase a live tree — To minimize fire hazards and maximize a long life, [...]
Originally published in December 2022. Updated October 2025. Protecting your organization from internal and external theft is an important risk management tactic to reduce loss and claims. Theft may rise as inflation and prices rise, and fraternal organizations become a target for thieves hoping to grab cash, food, alcohol and other valuables. Even in times of economic stability, theft remains a significant risk for fraternal organizations. Follow these tips for [...]
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 [...]
A culture of safety is important for members and guests alike. That’s why Lockton Affinity, administrator of the VFW Post Insurance Program, offers a robust library of safety resources for fraternal organizations like yours. Free to Posts, resources include risk management articles, quarterly safety newsletters, online training courses and more. Read on to learn about the helpful safety resources for fraternal organizations. Safety Resources for VFW Posts — Risk Management [...]
Your organization relies on equipment every day. From standard building equipment like HVAC systems and computers to specialized kitchen appliances, audio and visual equipment and more—your organization’s equipment is critical to your operations. If your equipment were to malfunction or break, it could disrupt your day-to-day operations for your members, guests and volunteers. But with the right maintenance and preparation, you can keep your Post running smoothly. Preparation Tactics for [...]
Each October, organizations like the National Fire Protection Association (NFPA), Occupational Safety and Health Administration (OSHA) and others observe Fire Prevention Week and Month by spreading fire safety awareness and helping protect homes, businesses and people. The annual event began in 1911 to commemorate the Great Chicago Fire, a fire that killed approximately 300 people and destroyed over 17,000 structures. Whether your Post partakes in Fire Prevention Week or Month, [...]
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 a compilation of our most helpful property maintenance blogs. Maintaining Your Post’s Property Indoors Preparing for a power outage – Whether your Post loses [...]
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 [...]
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 [...]
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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.