VFW Post Insurance Program
Over 25 years ago, VFW National Headquarters recognized the need for insurance to protect VFW Posts from the risks associated with their activities, including the sale of liquor and hosting special events. The VFW Post Insurance Program was created to not only meet this need, but provide it at a competitive price. This one-stop solution for your Post provides both property and liability insurance to protect your Post and its members, volunteers and employees.
In addition to insurance, the program provides the tools to help Posts manage exposures that can lead to loss—like free online training courses and loss control articles. Posts that purchase liquor liability coverage receive a 20-page Loss Prevention Program manual.
All insurance is placed with insurance carriers rated "Excellent" or higher by A.M. Best.
Coverage available through the program:
Property Insurance for Post Buildings and Content
Provides coverage for direct physical loss or damage to the Post home or its contents. In addition, the policy covers equipment breakdown coverage, property in transit, business personal property of others, property off premises, accounts receivable and valuable papers. Optional coverages include: business income, glass and computer.
General (Commercial) Liability
This coverage provides various limits of liability for the Post and its members. Coverage includes bodily injury and property damage, personal and advertising injury as well as miscellaneous medical payments to others.
Provides coverage to protect the Post should you become legally obligated to pay damages as a result of the selling, serving or furnishing of any alcoholic beverage. Various limits of coverage are available.
Provides coverage for employees for on-the-job injuries. This coverage applies regardless of fault and is written to follow individual state laws. Coverage is provided for medical expenses and lost wages. There are five states that are known as monopolistic states. These states are North Dakota, West Virginia, Ohio, Washington and Wyoming. If you reside in these states, you must purchase your workers' compensation through the state.
Business Auto Liability
Liability and physical damage coverage is provided for business autos. Various limits for liability coverage and deductible levels on physical damage are available.
Provides coverage for loss due to theft of money and securities or other property through the dishonest acts of your employees or volunteer workers.
Provides coverage under various forms for loss from theft, disappearance, and destruction of money, forgery or alteration.
Special Events Coverage
Provides coverage for those occasional functions sponsored by the Post such as, but not limited to, a carnival, rodeo, motorized racing exhibitions, wrestling or boxing matches.
Excess liability coverage above the basic liability limits to cover large claims that exhaust the liability limits in the underlying primary policies. Limits up to $5,000,000 can be purchased.
Surety Bonds (Tax & Gambling Bonds)
Surety bonds are issued to guarantee that you meet a required obligation to another party. License and permit, public official, court bonds and other miscellaneous bonds are available to meet your needs.
Get a Quote—we offer a free, no-obligation quote for your Post's insurance. Click Request a Quote above, complete our short form, and our team will be in contact with you shortly.
Program administered by Lockton Affinity, LLC. Coverage is underwritten by carriers rated "Excellent" by A.M. Best.