🏅 Fraternal Organizations

Fraternal Organization Insurance

Insurance for fraternal organizations, lodges, fraternal benefit societies, and service organizations across Arizona. Protect your members, lodge, and community activities.

Fast quotes — often within 24 hours
🏆A-rated carriers only
📋Same-day certificates

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No obligation. Protect your mission.

Unique Risks We Address

Every fraternal organizations faces specific risks. We make sure you're covered.

Lodge event injuries
Alcohol-related incidents
Property damage
Member initiation injuries
Board decision disputes
Facility rental liability
Kitchen/food service claims
Parking lot accidents
Coverage Options

Recommended Coverage

Tailored insurance products for fraternal organizations operations.

🛡️

General Liability

Protects against bodily injury and property damage claims from your operations, premises, and programs.

  • Premises liability
  • Operations coverage
  • Personal & advertising injury
  • Medical payments
🏢

Property & Contents

Covers your building, furnishings, equipment, and inventory against fire, theft, vandalism, and natural disasters.

  • Building coverage
  • Contents & equipment
  • Business interruption
  • Valuable papers
👔

Directors & Officers (D&O)

Shields board members, officers, and volunteers from personal liability for organizational decisions.

  • Wrongful acts defense
  • Employment claims
  • Breach of duty
  • Regulatory actions
⚙️

Workers' Compensation

Required coverage for employees injured on the job — covering medical expenses, lost wages, and rehabilitation.

  • Medical expenses
  • Lost wages
  • Rehabilitation
  • Employer liability
📋

Professional Liability (E&O)

Coverage for claims of negligence, errors, or omissions in the professional services your organization provides.

  • Service delivery errors
  • Advice & counsel claims
  • Program failures
  • Referral liability
💻

Cyber Liability

Protects against data breaches, ransomware attacks, and the costs of notifying affected individuals.

  • Data breach response
  • Ransomware coverage
  • Notification costs
  • Credit monitoring

Serving All of Arizona

📍 Phoenix 📍 Tucson 📍 Mesa 📍 Chandler 📍 Scottsdale 📍 Glendale 📍 Gilbert 📍 Tempe 📍 Peoria 📍 Surprise 📍 Yuma 📍 Flagstaff

Frequently Asked

Does GL cover events at our lodge?
Yes. GL covers bodily injury and property damage at lodge events, dinners, and community activities. Add Liquor Liability if alcohol is served.
Do we need liquor liability?
If your lodge serves or sells alcohol, Liquor Liability is essential. It covers claims from intoxicated member injuries and third-party incidents.
What about renting our lodge to outside groups?
Require renters to carry their own GL and name your organization as Additional Insured. Your property insurance covers building damage from renters.
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