Homebrew club members know the fun and the value of being in a club—and the degree of risk that is involved when a group of people gathers to share alcoholic beverages. That risk involves both the venue hosting the club meeting or event and the risk to the club itself if an accident were to occur following a homebrew club gathering.
The American Homebrewers Association (AHA) has found a homebrew club insurance product that is a good fit for our membership.
To address their exposure, some homebrew clubs have purchased insurance themselves—often at steep cost, as insurance for individual clubs can be expensive. The AHA-facilitated insurance option provides participating clubs with general liability insurance ($1 million/occurrence; $3 million aggregate) and liquor liability insurance ($1 million/occurrence; $3 million aggregate) that collectively covers both club meetings and club-sponsored events for up to 1,000 attendees—all at a cost to the club of just $3.50 per club member.
The AHA has elected to not take any marketing fees or commissions from this program; this ensures our membership enjoys the absolute lowest premiums possible. Your association is proud to facilitate this offering for the greater good of our homebrewing community.
The AHA has partnered with West’s Insurance Agency to bring this program to fruition. The insurance is underwritten by Great American Insurance Company (GAIC), which has an A+ AM Best rating, the highest level rating of an insurer’s financial strength and ability to meet its ongoing obligations.
In addition to the general and liquor liability coverage mentioned above, West’s Insurance also offers a Directors and Officers (D&O) insurance product for homebrew clubs. See below for more details on D&O coverage.
How to Enroll
Homebrew clubs must be registered with the AHA to enroll. Register your homebrew club today for free.
Hundreds of homebrew clubs, representing thousands of homebrewers, have already signed up for insurance coverage. Enrollment for the annual policy period is available through September 1, 2017.
To learn more and/or to enroll as a club, please visit West’s Insurance.
AHA Funded Premium Reimbursement
Clubs that demonstrate an AHA membership rate of 75 percent or more are eligible to have their general liability and liquor liability insurance premium payments reimbursed by the American Homebrewers Association. If at least 75 percent of your club’s members are also AHA members, we will issue a check to reimburse your club’s insurance premium after each open enrollment period ends annually on September 1, December 1, and March 1, depending on which policy term your club is enrolled in.
To ensure that your club receives its premium reimbursement, your members need to Join the American Homebrewers Association, and select your club from the drop-down list in the “My Affiliations” section when joining or renewing their memberships. Club members who are already AHA members but did not indicate a club affiliation when joining should log in to their accounts on the AHA website and update their club affiliation. This is a crucial action for your club members to take to ensure you are eligible for premium reimbursement.
For more information on insurance premium reimbursements, please click here.
Directors and Officers Insurance
D&O insurance provides liability coverage for the club’s directors and officers for decisions they make while serving the club in that capacity. Individuals can be held personally liable for these decisions while representing their club and the D&O insurance provides coverage which includes costs to defend the directors, officers, and the club against a law suit.
The main difference between the current Homebrew Club Insurance Program and a D&O policy is that the Homebrew Club Program provides coverage for the club’s negligence that causes someone to be physically injured or someone else’s property to be damaged because of a mistake by someone in the club or the club’s activities. The D&O insurance provides coverage should a director or officer or the club be sued by someone based on the decisions made that someone else thinks are wrong.
An example would be if someone alleges that they were discriminated against in the declination of their membership in the club or the removing of an individual’s membership status in the club. Another example would be if a fellow club member files a suit against the club’s officers because they are unhappy with the direction of the club or use of funds, etc.
- Clubs up to 75 members – $250 annual premium
- Clubs 76-150 members – $350 annual premium
- Clubs 151 members and higher – $450
*The average cost for a club to secure this coverage on an individual basis is $750-$1,000.
The D&O limits:
- $1,000,000 – Per Club
- $10,000,000 – Aggregate – shared by all clubs
Members should note that all coverage-related questions should be directed to West’s Insurance Agency and not the AHA. (Unfortunately, the AHA cannot assist with such inquiries). West’s Insurance Agency, the experts on the homebrew club insurance enrollment and coverage details, will be glad to address your questions.
Email Jenny Caldwell, a designated representative at West’s Insurance, or phone (847-623-0456) for inquiries.