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 Coverage for a professional association can include:

General Liability

Directors & Officers Liability

Employment Practices Liability

Abuse and Molestation

Equipment Breakdown

Professional Liability

Employee Benefits Liability


Business Income

Special Events



Inland Marine

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Cyber Liability


Professional association claim examples

Directors and Officers Claim:
The trustees of a professional association decided to expand their activities into areas that were not explicitly envisioned by the founders. Their state’s attorney general brought an action against them alleging misuse of funds and property for operating outside their charter, even though no third party had raised a complaint.

A local professional association published a quarterly newsletter. The newsletter included a tourism section, promoting places of interest, attractions, restaurants, etc. A new restaurant approached the chamber with a request to advertise in the upcoming issue The professional association agreed and accepted a minimal advertising fee from the restaurant. It was discovered on the release of the next issue that the Executive Director never expedited the restaurant request and actually kept the money. The restaurant in turn sued the professional association for breach of fiduciary duty, breach of contract and interference with economic interests.

Employment Practices Liability Claim:
A professional association advertised an open position for a secretary. The professional association received seven applications. Only one applicant was a male, who was 57. He was not interviewed. He alleged he was not interviewed because of his age and filed suit against the professional association for age discrimination.

Special Events Claim:
A guest at a beer garden event sponsored by a professional association was struck on the head with a beer can thrown by a bartender. The guest filed a claim due to bodily injury.

A tent at a designated fundraiser was not anchored properly. The tent blew over and damaged multiple parked cars. The car owner sued for repairs.

Businessowners Package Claim: 
A professional association was holding their monthly membership meeting at a local hall. One of the attendees tripped on an extension cord the chamber was using for a presentation and broke his leg. He then filed a suit against the professional association to cover his medical expenses for his slip and fall.

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