Managing Risk at Your Post The Post Insurance Program®Administered by Lockton Affinity, LLC
Transportation Presentation Coverage Needed for Posts Date
Typical Coverages for a Post Coverage Overview • Property • General Liability • Liquor Liability • Business Auto • Workers’ Compensation • Special Events • Directors & Officers • Umbrella
Property Coverage Coverage Overview • Building • Business Personal Property • Business Income • Ordinance and Law Change
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
Medical Payments Coverage Overview • Pays medical cost to injured party up to $5,000 • Does not require proof of negligence • Covers Members • Quick payment; produces goodwill
Liquor Liability coverage (Dram Shop) Coverage Overview • If in the business of sale or service of alcohol (operation of a canteen)-excluded by general liability • Liquor Liability covers Post for alleged negligence when a patron is served alcohol and causes accident with bodily injury or death or property damage • Exposure varies by state • Limits available $100,000 to $1,000,000
Actual Liquor Claims Liquor Liability Coverage • 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.
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.
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.
Preventing Liquor Claims Liquor Liability Coverage • Liquor Liability Loss Control • Post Leadership commitment to controlling exposure • Alcohol Server Training • Active Liquor Liability Loss Prevention Program
Covers autos owned by the Post Liability $300,000 to $1,000,000 limit Physical damage Hired and non-owned liability Hired covers liability from operation of rented auto Non-owned covers liability from operation of a non-owned auto (member’s auto) on Post business Coverage Overview Business Auto Coverage
Coverage Overview • Provides additional limit above • General Liability • Liquor Liability • Auto Liability • Typical limit is $1,000,000 Umbrella Coverage
Coverage Overview • Required by state law • Pays benefit for employees • Medical expense • Lost wages • Death benefit to estate • Can cover volunteers (in most states) Workers’ Compensation Coverage
Coverage Overview • “Bad decision” protection • Covers Post and officers • Can include Employment Practices Liability (EPL) • Wrongful termination • Sexual harassment • Discrimination • Fiduciary liability • Does not cover bodily injury or property damage • Risk management consultation included Directors & Officers Coverage (D&O)
Fireworks Parades Rodeo Amusements/Carnival Concerts Discuss with your Agent Coverage Overview Special Events Coverage
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 • 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?
Controlling Risk • 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
Transportation Presentation Program Overview Date
Program Overview • Program started in 1989 • Initially started to offer Liquor Liability • Over 1,850 Posts participating in program • Tailored specifically for coverages Posts need • Free, no-obligation quotation offered
Program Highlights • Coverage designed specifically for Posts • Competitive pricing • Convenient payment terms • Can include Auxiliary • Flexibility • One-stop shopping • 24-hour claims reporting • Dedicated customer service • Online training resources • Online Resource Center • Insurance coverages provided by company rated “Excellent” by A.M. Best
Questions? Contact Us at: The Post Insurance Program® (800) 669-9944 www.PostInsuranceProgram.com