Association Liability Insurance is used to protect non-profit organizations, clubs, and associations from risks associated with their operations. It typically covers:

• Professional Indemnity: Claims arising from errors, omissions, or negligent advice provided by the association or its members.
• Directors and Officers Liability: Legal costs and damages for wrongful acts, mismanagement, or breaches of duty by board members or officers.
• Public Liability: Claims for third-party bodily injury or property damage caused by the association’s activities, such as events or meetings.
• Employment Practices Liability: Disputes involving employees or volunteers, including wrongful dismissal, discrimination, or harassment claims.
• Fidelity Cover: Losses due to theft or fraud by employees or volunteers handling the association’s funds.
• Legal Expenses: Costs for defending legal actions, including regulatory investigations or contract disputes.

This insurance is tailored to safeguard the association’s reputation, finances, and leadership.

Subject to variations in insurers wording, exclusions and case specific endorsements.