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Coverage for a nonprofit cultural club or organization can include:
General Liability Directors and Officers Liability Employment Practices Liability Abuse and Molestation Special Events Professional and Cyber Property Equipment Breakdown Business Income Liquor Auto Umbrella Inland Marine Employee Benefits Liability Blanket Additional Insureds
Directors and Officers Liability
Employment Practices Liability
Abuse and Molestation
Professional and Cyber
Employee Benefits Liability
Blanket Additional Insureds
Nonprofit cultural club claim examples
Liquor Liability Claim:
A cultural club was hosting a private reception for members and their guests. An underage guest presented a fake ID and was served alcohol. The intoxicated minor left the establishment and fatally injured an innocent victim. The family of the deceased sued the club for serving a minor.
Three cultural club members attended a dance at the local fraternal club where they consumed alcohol. One hour after leaving the dance they were involved in an accident where one passenger sustained a traumatic head injury. He was in a coma for two months with over $350,000 in medical bills. The passenger sued the club for serving an intoxicated person.
Assault and Battery Claim:
A guest was involved in a physical altercation causing injuries. The cultural club was sued $50,000
Directors and Officers Claim:
The personal assets of the directors and officers of a cultural club were exposed when the organization ran out of funds to pay for a suit brought against it.
A cultural club employee sued the club’s governing board alleging that the directors and officers were negligent for failing to supervise the club manager, who she claimed sexually harassed her.
An officer served a term on the board of directors for a cultural club. Eighteen months after completing his service, he was named in a suit alleging mismanagement of funds for the last five years. The ex-officer discovered that the current board of directors had failed to renew its insurance policy. So, even though he had diligently maintained insurance coverage throughout his term of service, the former officer was left with no coverage for this suit.
Equipment Breakdown Claim:
The cultural club central heating system (hot water boiler) suffered cracking of one of its sections resulting in $8,000 of property damage, causing the club to postpone its fundraising event.