Your members are also the people most likely to sue you.
Certification and standards work carries real liability, and so does a disciplinary decision. We cover trade associations, professional bodies, clubs and membership groups, including member data and events.
Tell us the situation.
One licensed human replies the same business day — not five agents, not an auto-responder. If the policy you have is already the right one, we will tell you.
We use this to quote and service your insurance, and we do not sell it or pass it to lead networks. Privacy policy.
Send us what you have. We’ll tell you if it’s right.
Your current policy paperwork, a renewal notice, or nothing at all. A licensed agent reads it and replies the same business day.
What membership organization businesses actually need.
Directors and officers
Claims over governance, elections, expulsions, disciplinary decisions and antitrust allegations.
Without it — The defining exposure: a member excluded from an association loses money, and sues the board.
Professional liability
Certification, accreditation, standards-setting, advice and advocacy relied on by members and the public.
Without it — Certifying somebody as competent is a judgment, and a judgment made badly is a claim.
Event and conference liability
Annual meetings, conferences and trade shows, including venues and contracted liabilities.
Without it — Venue contracts require it by name, with indemnities that run against the association.
General liability
Offices and any premises members and the public attend.
Without it — The base coverage every venue, landlord and sponsor asks to see.
Business cyber
The member database, dues payments and the mailing list: the association’s most valuable asset.
Without it — A membership list is exactly the data an attacker wants, and members expect it to be protected.
Employment practices
Claims by employed staff, and by volunteers on many forms.
Without it — Small staffs with volunteer oversight are where employment claims start.
Group health and benefits
Medical, dental and vision for a small permanent staff.
Without it — Associations run lean and lose people to the members they serve. The package is what makes staying competitive.
What our membership organization clients ask us.
Why is antitrust a real risk for an association?
Because an association is by definition a group of competitors meeting in a room, and that is the fact pattern antitrust law is most alert to. The exposures are specific and avoidable: discussion that touches pricing, agreements about who may bid on what, membership or certification criteria that exclude a competitor from the market, and standards written in a way that favors some members over others.
We certify people. Does that need its own coverage?
Yes. Certification and accreditation are professional services with two directions of exposure. A person denied certification claims they lost income unfairly. A member of the public harmed by someone you certified claims you held them out as competent. Both are professional liability rather than general liability, and both turn on process — documented criteria, consistent application and a real appeals route. An association that certifies without professional coverage is carrying its largest exposure uninsured.
Commercial insurance is 96% of what we do — it is not a department here, it is the whole business. Not ready to talk? The guides answer the questions this page raises in more depth. Already insured with us and need a certificate or a policy change? Ask the service team rather than starting a quote — it is faster and it goes to the people whose job it is. We also write home and auto, which is usually cheaper alongside the business policy than apart from it.
Handed a lease, a vendor packet or a client contract with insurance requirements? Paste it into the COI Requirements Decoder to see what each one means for your business, or read what the requirements mean.