Transcript Slide 1

Managing Risk at Your Post
The Post Insurance Program®
Administered by Lockton Affinity, LLC
Transportation Presentation
Coverage Needed for Posts
Date
Coverage Overview
Typical Coverages for a Post
 Property
 General Liability
 Liquor Liability
 Business Auto
 Workers’ Compensation
 Special Events
 Directors & Officers
 Umbrella
Insurance Program Administered
by Lockton Affinity, LLC
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Coverage Overview
Property Coverage
 Building
 Business Personal Property
 Business Income
 Ordinance and Law Change
Insurance Program Administered
by Lockton Affinity, LLC
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Coverage Overview
General Liability Coverage
 Protects Post, officers and members
 Defends and pays judgment when accused of
negligence by a third party
 Covers injury or death to people and property
damage to property of others. (Covers at the Post
and at any other location)
 “Host” Liquor Liability covered
 Limits available $300,000 to $1,000,000
 If you are served with suit papers – Report to
Insurance Company immediately
Insurance Program Administered
by Lockton Affinity, LLC
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Coverage Overview
Medical Payments
Insurance Program Administered
by Lockton Affinity, LLC
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Pays medical cost to injured party up to $5,000
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Does not require proof of negligence
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Covers Members
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Quick payment; produces goodwill
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Coverage Overview
Liquor Liability coverage (Dram Shop)
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If in the business of sale or service of alcohol
(operation of a canteen)-excluded by general liability
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Liquor Liability covers Post for alleged negligence
when a patron is served alcohol and causes accident
with bodily injury or death or property damage
Insurance Program Administered
by Lockton Affinity, LLC
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Exposure varies by state
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Limits available $100,000 to $1,000,000
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Liquor Liability Coverage
Actual Liquor Claims
Over Serving/Under-Age Drinking Claim:
Post served a 17 year old boy who upon leaving the
Post, crossed the center line, striking a motorcycle. The
motorcyclist sustained serious leg injuries. Within 2
hours of the accident the 17 year old blew a .22, which
was over twice the legal limit. The Post has been
named in this lawsuit because they allegedly caused
and contributed to the intoxication of the defendant.
Insurance Program Administered
by Lockton Affinity, LLC
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Liquor Liability Coverage
Actual Liquor Claims
Over-Serving/Fall Claim:
Man was drinking at the Post bar, after several hours
and beers, the man climbed up onto the bar, reached
over to ring the bell, and fell. He was injured and died
11 days later as a result of those injuries. The Post has
been named in a lawsuit because they have been
accused of over-serving the man, which led to the fall,
which caused his subsequent death.
Insurance Program Administered
by Lockton Affinity, LLC
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Liquor Liability Coverage
Actual Liquor Claims
Over Serving/Fatality Claim:
A member of the Post, and a regular at the bar, spent
most of the afternoon drinking at the Post. After too
many drinks, he fell off of his barstool. The bartenders
decided not to call 911 because they didn’t want the
Post to get into trouble. Instead, they took the member
out to his truck to “sleep it off.” After several hours a
relative of the individual stopped by the post to find the
man still in his truck. He was taken to the hospital,
where he died several days later. The post is in the
middle of a very messy lawsuit.
Insurance Program Administered
by Lockton Affinity, LLC
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Liquor Liability Coverage
Preventing Liquor Claims
Liquor Liability Loss Control
Insurance Program Administered
by Lockton Affinity, LLC
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Post Leadership commitment to controlling exposure
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Alcohol Server Training
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Active Liquor Liability Loss Prevention Program
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Coverage Overview
Business Auto Coverage
 Covers autos owned by the Post
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Liability $300,000 to $1,000,000 limit
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Physical damage
 Hired and non-owned liability
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Hired covers liability from operation of rented auto
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Non-owned covers liability from operation of a non-owned
auto (member’s auto) on Post business
Insurance Program Administered
by Lockton Affinity, LLC
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Coverage Overview
Umbrella Coverage
 Provides additional limit above
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Insurance Program Administered
by Lockton Affinity, LLC
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General Liability
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Liquor Liability
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Auto Liability
Typical limit is $1,000,000
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Coverage Overview
Workers’ Compensation Coverage
 Required by state law
 Pays benefit for employees
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Medical expense
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Lost wages
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Death benefit to estate
 Can cover volunteers (in most states)
Insurance Program Administered
by Lockton Affinity, LLC
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Coverage Overview
Directors & Officers Coverage (D&O)
 “Bad decision” protection
 Covers Post and officers
 Can include Employment Practices Liability (EPL)
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Wrongful termination
Sexual harassment
Discrimination
 Fiduciary liability
 Does not cover bodily injury or property damage
 Risk management consultation included
Insurance Program Administered
by Lockton Affinity, LLC
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Coverage Overview
Special Events Coverage
 Fireworks
 Parades
 Rodeo
 Amusements/Carnival
 Concerts
 Discuss with your Agent
Insurance Program Administered
by Lockton Affinity, LLC
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Transportation Presentation
Controlling Risk at the Post
Date
Controlling Risk
 Normal Post activities create risk
 Insurance is the most common way to protect Post
assets in the event of a loss
 Loss prevention/safety inspection plan can reduce
potential for loss
 Liquor Liability Loss Control
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Regular training of bar tenders
Training often available from your supplier
Establish procedures to prevent over-serving
 Is your Post incorporated?
 Are your members included as additional insured
under the Post’s liability policy?
Insurance Program Administered
by Lockton Affinity, LLC
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Controlling Risk
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Is Post named as an additional insured on policy of:
• Any tenant if part of the property is leased to others
• Renter of space
 Use a Rental Contract
 Make renter responsible
 To individuals (weddings, etc.) – Request proof of insurance
 To commercial user (office party, etc.) - require certificate
of insurance with Post named as additional insured
• Any vendor doing work or providing services
 Certificate of insurance with Post named as additional
insured
Insurance Program Administered
by Lockton Affinity, LLC
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Transportation Presentation
Program Overview
Date
Program Overview
Insurance Program Administered
by Lockton Affinity, LLC
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Program started in 1989
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Initially started to offer Liquor Liability
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Over 1,850 Posts participating in program
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Tailored specifically for coverages Posts need
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Free, no-obligation quotation offered
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Program Highlights
Insurance Program Administered
by Lockton Affinity, LLC
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Coverage designed specifically for Posts
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Competitive pricing
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Convenient payment terms
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Can include Auxiliary
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Flexibility
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One-stop shopping
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24-hour claims reporting
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Dedicated customer service
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Online training resources
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Online Resource Center
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Insurance coverages provided by company rated “Excellent”
by A.M. Best
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Questions?
Contact Us at:
The Post Insurance Program®
(800) 669-9944
www.PostInsuranceProgram.com
Insurance Program Administered
by Lockton Affinity, LLC
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