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 Posts need in 2026.
Key Insurance Policies Posts Need
Insurance solutions can provide affordable and comprehensive risk protection, so you can stay focused on your members and the community. As a fraternal organization, you may need a combination of the following policies to protect your members, property and organization.
Property
Your property is a key exposure that requires specific protection. Property coverage is designed to protect against the physical loss or damage to your building and its contents. Policies are available that can help you protect your leasehold improvements, specialty equipment, off-premises property, accounts receivable and valuable papers.
You may need Property insurance if:
- Your organization operates out of a physical space.
- You have inventory, equipment or other important assets.
General Liability
Your organization can face third-party exposures from your normal operations, finished products and services, plus any incidents that occur on your premises. General liability insurance is designed to protect against these common risks and covers bodily injury, property damage, personal injury and other related claims.
You may need General Liability insurance if:
- You work directly with members or their property.
- Third parties attend your functions.
- You advertise.
- You have a contract in place with another organization.
Special Events
While most events and activities would be covered under a General Liability policy, some events require a Special Events policy due to additional exposures associated with the event.
You may need a Special Events policy if your organization hosts:
- Events involving animals.
- Bicycle events, including virtual bicycle events.
- Car shows.
- Circuses and carnivals.
- Events with bands.
- Motorized sporting events like tractor or truck pulls and more.
Liquor Liability
When alcohol is served, your organization needs Liquor Liability insurance to protect against the risks and liability associated with alcohol, such as claims of serving alcohol to a minor, overserving a patron or bodily injury, death or property damage caused by a patron who was served at your organization.
Your organization may need coverage if:
- You sell alcohol at your premises.
- You host events where alcohol is served.
Directors & Officers
Despite leaders having best interests at heart, they can make mistakes, and their choices can be questioned. Costly claims can ensue, especially if the leader’s decision forced a financial burden. Directors and Officers insurance covers your organization and officers from potential allegations of mismanagement or breach of fiduciary duties that can threaten your funds and the personal assets of your directors, officers and trustees.
You may need Directors and Officers if:
- Your organization has a board of directors or other key leaders.
- Your leadership makes financial decisions on behalf of the organization.
Other
Depending on your organization’s unique needs, you may also require Workers’ Compensation, Volunteer Accident, Business Auto, Cyber Liability, Crime coverage, Umbrella Liability, Surety Bonds, Employee Dishonesty and more.
Getting the Insurance Policies Your Post Needs with Lockton Affinity
As the administrator of the Post Insurance Program, Lockton Affinity has dedicated representatives to help support your Post. Together, we can determine your top risks and insurance needs.
