Why Booster Clubs Need Insurance

Booster clubs are a volunteer-run, non-profit organization formed by parents, fans, and community members who help raise funds and provide support as well as resources for schools or extra-curricular programs such as athletics, fine arts, and academics.

Why is it important that booster clubs purchase insurance?

·       Often school districts may carry insurance, but this does not mean their policy will cover booster clubs and their activities

·       Booster clubs carry financial and legal risks just like any other organization

·       Volunteers and board members can be sued based on decisions they make or things they say or don't say

·       Accidents and injuries can happen at any event or activity they operate

Recommended insurance coverages for Booster clubs:

·       General Liability Insurance: Provides coverage for unexpected booster-club related incidents such as customer or public injuries, property damage, and advertising injuries. This coverage often provides financial protection for medical bills, legal fees, court judgements, settlements, and property damage lawsuits.

·       Commercial Property Coverage: Protects your booster club’s physical assets against damage or losses from several risks such as buildings, office, equipment, etc.

·       Directors and Officers: Protects your directors and officers from personal financial losses or damages that result from their actions or inactions if sued by third parties.

Sources: Secura West Bend Insurance Acuity