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 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 [...]
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 [...]
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 [...]
As your Post prepares for the holiday parties and events, be sure to assess the risks of these events and implement these special event safety tips when possible. 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 all spills right away and place [...]
Workers’ Compensation provides coverage for members and employees 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 often confusion surrounding how to handle a claim. When to Report an Injury Report lag, the [...]
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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.