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Comprehensive liability protection is essential for protecting the club, its members, and board members from potential legal claims and financial losses.
Insurance Coverage Areas
General Liability
Protection against bodily injury and property damage claims
Deductible: $1,000
Coverage Examples:
- • Member injury on premises
- • Property damage to facility
- • Personal injury claims
- • Medical payments
Property Coverage
Protection for club property and equipment
Deductible: $2,500
Coverage Examples:
- • Pinball machine damage
- • Building and contents
- • Equipment breakdown
- • Business interruption
Directors & Officers
Protection for board members and officers
Deductible: $5,000
Coverage Examples:
- • Employment practices
- • Wrongful acts
- • Breach of fiduciary duty
- • Regulatory violations
Liquor Liability
Coverage for alcohol-related incidents
Deductible: $2,500
Coverage Examples:
- • Alcohol-related injuries
- • DUI accidents
- • Serving violations
- • Social host liability
Risk Management Program
Facility Safety
- Regular safety inspections
- Emergency exit maintenance
- Fire safety equipment
- Proper lighting and signage
- Security system installation
- Regular cleaning and maintenance
Equipment Safety
- Regular pinball machine maintenance
- Electrical safety inspections
- Equipment usage guidelines
- Repair authorization procedures
- Safety training for volunteers
- Incident reporting system
Member Safety
- Code of conduct enforcement
- Alcohol consumption policies
- Emergency contact procedures
- First aid training
- Incident documentation
- Member orientation programs
Administrative Safety
- Proper record keeping
- Board meeting documentation
- Financial transparency
- Compliance monitoring
- Legal counsel consultation
- Regular policy reviews
Incident Response Procedures
1
Immediate Response
Step 1- • Ensure safety of all parties
- • Provide first aid if needed
- • Call emergency services if necessary
- • Secure the scene
- • Document initial observations
2
Documentation
Step 2- • Complete incident report form
- • Take photographs if applicable
- • Collect witness statements
- • Preserve evidence
- • Notify board members
3
Reporting
Step 3- • Contact insurance provider within 24 hours
- • File police report if required
- • Notify legal counsel if needed
- • Update incident log
- • Communicate with affected parties
4
Follow-up
Step 4- • Monitor injured party recovery
- • Implement preventive measures
- • Review and update policies
- • Conduct safety training
- • Document lessons learned
Insurance Requirements
- • Minimum $1,000,000 general liability
- • Property coverage for all equipment
- • Directors & Officers coverage
- • Liquor liability if serving alcohol
- • Umbrella policy for additional protection
- • Regular policy reviews and updates
Policy Maintenance
- • Annual policy review
- • Coverage adequacy assessment
- • Premium cost analysis
- • Claims history review
- • Risk assessment updates
- • Board approval of changes
Emergency Contacts
Insurance Provider
ABC Insurance Company
Claims: (800) 555-0123
Policy: (800) 555-0124
Legal Counsel
Smith & Associates
Phone: (614) 555-0100
Emergency: (614) 555-0101
Emergency Services
Police: 911
Fire: 911
Ambulance: 911
This policy should be reviewed annually and updated as needed. All board members should be familiar with these procedures and contact information.