Available Coverages
For over 18 years, the VFW Post Insurance Program has provided Posts with a comprehensive insurance package at a competitive price. This unique program, designed specifically for the VFW, currently insures over 2,300 VFW Posts throughout the United States.
The Program offers one source for all your Post's insurance needs. We understand your exposures and have structured a program to provide the coverages you need.
Coverages are placed with Insurance Carriers Rated "Excellent" or higher by A.M. Best.
Coverages available include:
- 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
- Post Accidental Death & Dismemberment
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.
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.
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.
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.
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.
Provides coverage for loss due to theft of money and securities or other property through the dishonest acts of your employees or volunteer workers.
Provides coverage under various forms for loss from theft, disappearance, and destruction of money, forgery or alteration.
Provides coverage for those occasional functions sponsored by the Post such as, but not limited to, a carnival, rodeo, motorized racing exhibitions, wrestling or boxing matches.
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.
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.
Post Accidental Death & Dismemberment
Provides a valuable accidental death benefit of $1,050 to your post members.
Insurance Program Administered
by Lockton Risk Services
©2007 Lockton Risk Services