Colonial General Insurance Agency, Inc. offers a specialized Club Insurance program built for civic, luncheon, service, and social clubs — including fraternal lodges. The program helps agents and brokers place accounts that operate private club facilities and need flexible property and liability protection. Whether you represent a small local lodge or a larger social club, this solution gives you options to address common club exposures.
Ideal Accounts and Appetite
This program fits both non-profit and for-profit clubs such as:
- Civic and community service organizations
- Luncheon and networking clubs
- Fraternal organizations and lodges
- Private social clubs with or without liquor service
It is well suited for clubs that own or lease premises, host frequent events, serve alcohol, or rely on volunteers and members. Accounts that need Additional Insureds for members or volunteers are a strong match. Risks with clear operations, routine loss control, and reasonable alcohol management practices place most smoothly.
Coverage Highlights and Advantages
Commercial General Liability Coverage:
- Primary limits available up to $3,000,000 occurrence/aggregate
- $5,000 Medical Payments—included
- Club members can be added as Additional Insureds
- Sexual and Physical Abuse coverage included: $25,000 per claim / $50,000 aggregate
- Liquor Liability available for clubs that serve alcohol
- Excess or Umbrella capacity up to $25,000,000
- No deductible required
Property Coverage:
- Building, Contents, and Equipment Breakdown
- Business Income and Food Spoilage
- Computer Equipment and Valuable Papers
- Outside Signs and Accounts Receivable
- Basic, Broad, or Special Form options
- Replacement Cost or Actual Cash Value (ACV) valuation
Crime Coverage:
- Inside the Premises—Theft of Money and Securities
- Robbery or Safe Burglary of Other Property
- Outside the Premises coverage available
Underwriting Notes
Colonial General places club business through a mix of admitted and non-admitted markets depending on the risk and location. Underwriting is flexible and focused on customizing coverage to each club’s operations. Typical considerations include alcohol exposure, event frequency and size, security practices, and the club’s claims history. While specific minimum premium levels are not published here, cleaner risk profiles and documented controls improve placement prospects.
Territories and Availability
This Club Insurance program is available in the following Western states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Agents in these states can access the program through Colonial General’s market relationships.
Why Work With Colonial General?
Colonial General Insurance Agency, Inc. is a Managing General Agency and Excess & Surplus Lines broker with specialized experience placing niche and member-based risks. The firm pairs targeted underwriting with access to multiple admitted and E&S carriers, giving you flexibility when standard markets won’t fit. Their underwriting teams understand club operations and common exposures, which helps speed binding and tailor coverage for complex accounts.
Example account scenarios:
- You represent a community lodge that rents its space for weekly events and wants liquor liability plus property and crime coverage — this program can combine those coverages with member Additional Insured language.
- You have a regional social club with kitchen operations and business income exposure after a loss — quoting options include equipment breakdown, food spoilage, and income protection alongside liability limits up to $3M.
Whether the client is a small volunteer-run organization or a larger private club with regular paid staff and liquor service, Colonial General provides the markets and underwriting flexibility to help you place the account.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for civic, social, luncheon, fraternal, and service clubs, including lodges and private membership-based organizations.
Is Liquor Liability included in the coverage?
Liquor Liability is available as part of the Club Insurance program, making it suitable for clubs that serve alcoholic beverages.
What territories is this program available in?
This program is currently offered in AZ, CA, CO, ID, NV, NM, UT, and WY.
Are club members automatically covered under the liability policy?
Club members can be included as Additional Insureds under the liability portion of the policy.
What limits are available for General Liability?
Primary General Liability limits are available up to $3,000,000 occurrence/aggregate, with Umbrella or Excess limits up to $25,000,000.
Need help placing an account? Connect with a market specialist.