A variety of coverage options exist to protect your social club based on your budget and unique needs. Some of these coverages will be required, such as workers’ compensation insurance. Other coverage will be up to you, but you want to make sure you have enough to cover any losses you might incur.

One of the most important types of policies is liability insurance. You may want more than just a general liability policy, which can be a good start for your protection. You might want to consider cyber liability and liquor liability, depending on the details of your social club.

Another concern is damage to your property from a covered event. You will want enough coverage to repair or replace any buildings, equipment and other contents. You may even need special insurance for certain items, such as computers. It’s also important to consider the covered perils in your policy. You may have to purchase an additional policy or rider for earthquake or flooding. You might want to include theft and malicious damage in your policy.

S&K Insurance has been providing insurance for the hospitality industry for over 50 years, and we understand the unique needs of social clubs. We will help you make sure you have the coverage you need while staying within your budget. We want to help you recover quickly if an unfortunate event occurs so your business can continue to thrive and serve its members.