1. Managing Risk at Your Post
The Post Insurance Program® Administered by Lockton Affinity, LLC

2. Transportation Presentation Coverage Needed for Posts
Date

3. Typical Coverages for a Post
Coverage Overview
Typical Coverages for a Post
Property
General Liability
Liquor Liability
Business Auto
Workers’ Compensation
Special Events
Directors & Officers
Umbrella

4. Property Coverage Coverage Overview Building
Business Personal Property
Business Income
Ordinance and Law Change

5. General Liability Coverage
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

6. 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

7. Liquor Liability coverage (Dram Shop)
Coverage Overview
Liquor Liability coverage (Dram Shop)
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

8. 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.

9. Actual Liquor Claims Liquor Liability Coverage
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.

10. Actual Liquor Claims Liquor Liability Coverage
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.

11. Preventing Liquor Claims
Liquor Liability Coverage
Preventing Liquor Claims
Liquor Liability Loss Control
Post Leadership commitment to controlling exposure
Alcohol Server Training
Active Liquor Liability Loss Prevention Program

12. Business Auto Coverage
Coverage Overview
Business Auto Coverage
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

13. Umbrella Coverage Coverage Overview Provides additional limit above
General Liability
Liquor Liability
Auto Liability
Typical limit is $1,000,000

14. Workers’ Compensation Coverage
Coverage Overview
Workers’ Compensation Coverage
Required by state law
Pays benefit for employees
Medical expense
Lost wages
Death benefit to estate
Can cover volunteers (in most states)

15. Directors & Officers Coverage (D&O)
Coverage Overview
Directors & Officers Coverage (D&O)
“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

16. Special Events Coverage
Coverage Overview
Special Events Coverage
Fireworks
Parades
Rodeo
Amusements/Carnival
Concerts
Discuss with your Agent

17. Controlling Risk at the Post
Transportation Presentation
Controlling Risk at the Post
Date

18. 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?

19. 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

20. Transportation Presentation
Program Overview
Date

21. 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

22. 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

23. The Post Insurance Program® (800) 669-9944
Questions?
Contact Us at:
The Post Insurance Program® (800)