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Activity & Social Clubs
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Phone 1-800-622-7370
Fax 1-803-256-4017
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This program is designed for U.S.-based clubs and or groups conducting youth or adult non-sport activities. Coverage provided
includes important liability protection for the organization, including its employees and volunteers, for liability claims arising out
of its operations. For those
clubs or groups specifically reported to and approved by the company, covered operations consist of
your scheduled, sanctioned, organized and supervised activities in which your
members participate and that are directly related
to the specific common interest or goal for which the club
or group is formed. Coverage is also provided for member activities
such as meetings, registrations, parades
in which the insured participates, picnics, banquets and ceremonies. Coverage for activities
not related directly t
o the club's common interest must be pre-reported and approved.
Eligible Operations
​-​Amateur youth robotic or STEM clubs (grades 8 and below only)​-​Game or card (non-gambling)
- Art - Garden 
- Bird watching - Genealogy 
- Book - History 
- Calligraphy - Model train or model car clubs 
- Collector - Needlework
- Computers - Peer support groups (no professional or licensed facilitators)
- Cooking - Puppetry
- Craft making - Scrap booking
- Cultural
Coverages Available & Program Highlights:    
General Liability Optional Coverages Available
- Products-completed operations Aggregate - Equipment & Contents (Inland Marine)
- Personal & Advertising Injury - Abuse, Molestation, Harassment or Sexual Conduct
- Damage to Premises Rented to You Defense Cost Reimbursement Coverage
- Hired Auto and Employers' Nonownership Liability - Sexual Abuse or Sexual Molestation Liability
(not provided while in Hawaii)
- Legal Liability to Participants
- $5,000 Medical Expense (other than members/participants)
- Medical Payments for Participants (excess) - $100 deductible
- Professional Liability
Risks Not Eligible Under This Program: (Including but not limited to)
 The following operations are not eligible for this program. (Please note, this is not a complete listing of ineligible operations.)
- Acrobatic or circus performing programs - Nutritional and weight loss programs
- Addiction support groups - Political activist and/or governmental groups
- Boys or girls clubs - Programs dedicated to discipline, rehabilitation or
- Boy scouts or girl scouts behavior modification
- Country Clubs - Programs or activities involving animals
- Dating clubs, programs or organizations - Programs or activities that involve weapons or firearms
- Day care or adult before and/or after school care operations, - School accredited classes, programs or clubs
latch key programs, babysitting or childcare clubs - Senior centers
or programs - Sports teams, leagues or associations or sporting
- Faith based or religious studies events/activities
- Fitness clubs - Vehicle owner clubs
- Fraternities or sororities - Veterans or military organizations (e.g.: American
- Groups under the direction of a professional counselor - Legion, Elks, Moose, Knights of Columbus)
or therapist - Wine/beer/alcohol clubs
- Historical battle re-enactment groups
- Instruction in first aid, CPR, or life-saving/life guarding
Notable Exclusions
 The following represent only some of the exclusions contained in this policy.
- Abuse, molestation, harassment or sexual conduct - Gambling activities or events
- All operations listed as ineligible - Haunted attractions
- Amusement devices (e.g.: rides, slides, inflatables, bungees - Hiking on ungroomed trails or orienteering
climbing walls, dunk tanks) - ​In or on water activities
​-​Any events or activities involving or promoting tobacco or cannabis​-Operation, ownership or management of any
- Asbestos facility or premises, other than while being used
​-​Communicable Diseases​for covered activities
- Employment-related practices - Outside concessionaires and vendors in conjunction
- Events where the insured is required to hold a liquor with your organization
license or permit - Room and board liability
- Events or activities hosted, sponsored or organized by the - The use of power tools, unmanned aircrafts and combustion
insured that are open to the public - Transportation of members/participants ​
​-​Fireworks-​​Violation of statutes that govern e-mails, faxes, phone calls,
​-​or other methods of sending materials or information
Preliminary Underwriting Information Required
- Applications
- Coverage will be bound for your requested dates upon receipt and approval of your completed enrollment form and