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Insurance for Clubs & Lodges

Purpose-built liquor liability coverage for eligible veterans’ and fraternal lodges that serve alcohol on premises.

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Made for Lodge Operations

Designed for eligible veterans’ and fraternal lodges with licensed on-premises bars and the day-to-day realities of member service.

Focused on Alcohol-Service Claims

The policy may respond when selling, serving, or furnishing alcohol is alleged to have caused bodily injury or property damage, subject to issued terms, exclusions, limits, and retentions.

Underwritten Around the Premises

Alcohol receipts, hours, entertainment, licensing, loss history, and the declared premises help determine eligibility and policy terms.

Why Lodges Need Liquor LiabilityCoverage Shaped Around How the Bar Operates

A Licensed On-Premises Bar

Alcohol service creates liability exposure that ordinary premises coverage may not address. The issued liquor liability policy controls.

Members and Guests

Claims can begin with service to a member, guest, or allegedly intoxicated patron and continue after they leave the premises.

Events and Entertainment

Hours, alcohol receipts, entertainment, security, and special events can affect both underwriting and the terms available to a lodge.

Where Claims Begin And Policy Details Matter

A Patron’s Ride Home

What a Claim Can Look LikeIllustrative Scenarios

The Ride Home

After leaving the lodge, a patron is involved in a collision and the organization is accused of overserving them.

The Private Reception

A guest presents identification, is served alcohol, and a later injury claim alleges that the guest was under legal drinking age.

The Altercation

A dispute between patrons becomes an assault-and-battery claim, where the issued policy wording, limits, and any applicable sublimit determine available coverage.

FAQ

The program is designed for eligible veterans’ and fraternal lodges with licensed on-premises bars. Eligibility is subject to underwriting approval and availability in the applicable jurisdiction.
Liquor liability insurance may respond to covered claims alleging bodily injury or property damage caused by selling, serving, or furnishing alcohol. The issued policy controls, including its declarations, limits, retentions, exclusions, and endorsements.
Do not assume that a commercial general liability policy covers claims arising from alcohol service. A separate liquor liability policy may be needed. Read more about the liquor liability product.
The base coverage should not be assumed to extend to off-premises liquor events, catering, or mobile bartending. Any broader coverage must be issued in writing and is subject to its own terms.
Assault-and-battery coverage may be available when it is included in the issued policy. Any applicable sublimit, exclusion, or endorsement controls how a claim is handled.
Underwriting may review the liquor license, declared premises, alcohol receipts, hours of service, entertainment, events, staff practices, training, and loss history. Additional information may be required for a specific risk.
Availability varies by jurisdiction and risk. Coverage is subject to underwriting approval and availability. See our disclaimers page for licensing information.

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Securities products and services are offered through ANOS Capital, LLC, a registered broker-dealer and member of FINRA and SIPC, registered with the MSRB, and a subsidiary of Corgi Insurance Services Inc. Corgi Insurance Services Inc. is not a registered broker-dealer or investment adviser. Insurance products are offered through Corgi Insurance Services, Inc. and are not securities.

Corgi ETFs are distributed by Paralel Distributors LLC, which is not affiliated with ANOS Capital. Investing involves risk, including loss of principal. Options involve risk and are not suitable for all investors. For the Options Disclosure Document, contact info@anoscap.com.

Testimonials and customer figures relate to Corgi's insurance services only. Check ANOS Capital on BrokerCheck.

Coverage may be underwritten through affiliated or partner carriers. Commercial Property, property-owner Commercial General Liability, and the Community Association Package are issued by Corgi Insurance Company (NAIC #17989) on a non-admitted, surplus lines basis and placed through a licensed surplus lines broker. Applicable surplus lines taxes and fees apply. These policies are not protected by state insurance guaranty funds.

Certain coverages may also be underwritten by Technology Risk Retention Group, Inc. (TRRG), a risk retention group organized and operating pursuant to the Liability Risk Retention Act (15 U.S.C. § 3901 et seq.). TRRG is not subject to all of the insurance laws and regulations of your state. State insurance insolvency guaranty funds are not available for policies issued by a risk retention group.

Corgi Insurance Services, Inc. is a licensed insurance producer (CA License #6012791) and acts as the program administrator, not the insurer.

Certain coverages may also be written through affiliated or partner carriers that are admitted in the applicable state and rated A- (Excellent) or better by AM Best. Availability of admitted paper varies by state, line of business, and risk characteristics, and not all coverages are available through every carrier.

Coverage is subject to underwriting approval and availability varies by jurisdiction. Not all products are available in all states. Limits, retentions, and terms shown on this page are illustrative and may differ from your actual policy. See our Disclaimers page for full licensing details.