Insurance solutions can provide affordable and comprehensive risk protection, so you can stay focused on your members and the community. You may need a combination of the following policies to protect your members and organization.

General Liability

General liability insurance is designed to protect against 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.

Directors & Officers

Despite leaders having the best interests of the council 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 on the council. Directors and Officers insurance covers your local council and officers from potential allegations of mismanagement or breach of fiduciary duties that can threaten your council’s funds and the personal assets of your directors, officers and trustees.

You may need Directors and Officers if:

  • Your council has a board of directors or other key leaders.
  • Your leadership makes financial decisions on behalf of the organization.

Hired/Non-Owned Auto Liability

Hired/Non-Owned Auto Liability insurance covers your organization in the event a vehicle, borrowed or rented on behalf of your organization, incurs physical damage or causes physical damage or bodily injury to third parties.

You may need Hired/Non-Owned Auto Liability if:

  • Your organization rents or borrows vehicles.
  • Your members drive their personal vehicles on behalf of your organization’s operations.

Host Liquor

When alcohol is served, your organization needs Host Liquor 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:

  • Venue owners who do not hold a liquor license.
  • Events where alcohol is offered.
  • Events that do not serve alcohol but allow attendees to bring their own.

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.

Getting the Insurance Policies Your Council Needs with Lockton Affinity

As the administrator of the Knights of Columbus Local Council Insurance Program, Lockton Affinity has dedicated representatives to help support your Post. Together, we can determine your top risks and insurance needs.

Give us a call today!