Club insurance that covers more than just events.

Whether you're organizing youth sports, hosting outdoor adventures, or managing a member-based group, running a club comes with real responsibility. From liability and property protection to event coverage, club insurance helps protect your members, your leadership, and your mission. Ted W. Smith Insurance Services works with clubs and associations across Minnesota, Iowa, and Wisconsin to build policies that reflect how you operate—and what you're protecting.

What does club insurance typically cover?

General Liability Coverage

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Protects your club if a member, guest, or participant is injured during an event or activity—or if your club accidentally causes property damage.

  • Slip-and-fall injuries
  • Property damage claims
  • Legal defense and settlement costs

Property and Equipment Coverage

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Covers buildings, equipment, and supplies your club owns or rents—from fishing gear to event tents.

  • Clubhouses, sheds, and storage
  • Sports or activity equipment
  • Theft, vandalism, or weather damage

Event and Special Activity Coverage

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If your club hosts tournaments, fundraisers, camps, or outdoor events, this coverage helps manage one-time risks and protect your organization’s finances.

  • Coverage for single-day or multi-day events
  • Vendor and venue liability extensions
  • Protection for temporary structures and gear

Participant and Volunteer Coverage

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Provides liability protection related to injuries or claims involving members, volunteers, or staff—whether at events or in everyday club activities.

  • Member and guest injury protection
  • Volunteer liability coverage
  • Optional medical expense reimbursement

Common questions about club insurance.

  • What types of clubs need insurance?

    We work with a range of member-based organizations—youth sports leagues, fishing and hunting clubs, recreational groups, nonprofit associations, and more.

  • Is club insurance required?

    Many venues, sponsors, and landowners require proof of liability insurance. It’s also a smart way to protect your leadership and financial stability.

  • Can we cover volunteers and staff under our policy?

    Yes. Let us know how your club is structured and who’s involved—we’ll build a policy that fits.

  • Do we need special coverage for events or fundraisers?

    Most clubs do. We can help you add event-specific endorsements for tournaments, banquets, and community events.

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