Insurance for your Post

Coverage available through The Post Insurance Program is designed to protect Posts against the unique exposures they face every day. Our professional sales staff helps each individual Post customize a policy specific to their needs by selecting coverage for their particular property and liability exposures.

Listed below are some of the business insurance coverages available through program. Click on the coverage type for additional information.

• Property Coverage for Post Homes and Contents
• Commercial Liability
• Liquor Liability
• Auto Liability
• Workers’ Compensation
• Employee Dishonesty
• Crime Coverage
• Special Events Coverage
• Umbrella Liability
• Surety Bonds

Coverage Descriptions

Property Coverage for Post Homes and Contents

Provides coverage for direct physical loss or damage to the Post home or its contents. In addition, the policy covers Equipment Breakdown Coverage, Property in Transit, Business Personal Property of Others, Property Off Premises, Accounts Receivable and Valuable Papers. Optional coverages include: Business Income, Glass, and Computer. return to top

Commercial Liability or General Liability

This coverage provides various limits of liability for the Post and its members. Coverage includes bodily injury and property damage, personal and advertising injury as well as miscellaneous medical payments to others. return to top

Liquor Liability

Provides coverage to protect the Post should you become legally obligated to pay damages as a result of the selling, serving or furnishing of any alcoholic beverage. Various limits of coverage are available. return to top

Workers' Compensation

Provides coverage for employees for on-the-job injuries. This coverage applies regardless of fault and is written to follow individual state laws. Coverage is provided for medical expenses and lost wages. There are five states that are known as monopolistic states. These states are North Dakota, West Virginia, Ohio, Washington, and Wyoming. If you reside in these states, you must purchase your workers' compensation through the state. return to top

Auto Liability (Business Auto)

Liability and physical damage coverage is provided for business autos. Various limits for liability coverage and deductible levels on physical damage are available. return to top

Employee Dishonesty

Provides coverage for loss due to theft of money and securities or other property through the dishonest acts of your employees or volunteer workers. return to top

Crime Coverage

Provides coverage under various forms for loss from theft, disappearance, and destruction of money, forgery or alteration. return to top

Special Events Coverage

Provides coverage for those occasional functions sponsored by the Post such as, but not limited to, carnivals, rodeos, motorized racing exhibitions, wrestling or boxing matches. return to top

Umbrella Liability

Excess liability coverage above the basic liability limits to cover large claims that exhaust the liability limits in the underlying primary policies. Limits up to $5,000,000 can be purchased. return to top

Surety Bonds

Surety bonds are issued to guarantee that you meet a required obligation to another party. License and permit, public official, court bonds and other miscellaneous bonds are available to meet your needs. return to top