Free Homebrew Club Insurance Compliments of the AHA

By Matt Bolling, AHA Events & Membership Coordinator

In 2014, the American Homebrewers Association (AHA) began partnering with West’s Insurance Agency to offer an insurance plan that covers homebrew club meetings and other club-sponsored events.

West’s Insurance offers this protection to AHA-registered homebrew clubs for $3.50 per member per year. This coverage insures your club meetings and event sites up to $1 million per occurrence and includes up to $3 million aggregate general liability and liquor liability.

As a benefit to homebrew clubs, we are expanding this program in 2017 to include an AHA-funded premium reimbursement to clubs that demonstrate an AHA membership rate of 75 percent or more. 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. As you encourage club members to sign up for the AHA, you can also generate revenue for your club through the AHA’s web banner program.

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. It is a one-time-only update for the majority of your club members, so urge them to log in to “My Account” on HomebrewersAssociation.org now to update their profiles before your club’s insurance enrollment date.

How to update your club affiliation with the AHA

After each open enrollment period ends, the AHA and West’s Insurance will identify clubs that enrolled in that period and meet the 75-percent-minimum AHA membership requirement. This is based on the club size reported to West’s Insurance and the number of club-affiliated AHA members in our database (e.g., if you report a club size of 100 to West’s at enrollment, at least 75 AHA members need to be affiliated with your club in our member database). Your premium reimbursement check will be issued and mailed shortly thereafter.

The homebrew club insurance policy terms and open enrollment periods for 2017–2018 are listed below.

Policy term 9/1/2017 to 9/1/2018:

  • Open enrollment starts: 7/1/2017
  • Open enrolment ends: 9/1/2017
  • Term ends: 8/31/2018
  • General Liability and Liquor Liability policy premium
    • $3.50 per member

Policy term 12/1/2017 to 9/1/2018:

  • Open enrollment starts: 11/1/2017
  • Open enrollment ends: 12/1/2017
  • Term ends: 8/31/2018
  • General Liability and Liquor Liability policy premium
    • $3.50 per member

Policy term 3/1/2018 to 9/1/2018:

  • Open enrollment starts: 2/1/2018
  • Open enrollment ends: 3/1/2018
  • Term ends: 8/31/2018
  • General Liability and Liquor Liability policy premium
    • $1.75 per member

The premium reimbursement applies only to general liability and liquor liability insurance coverage. Directors and officers insurance is not eligible for reimbursement.

For questions regarding the club insurance policy terms and coverage types, please visit the homebrew club insurance FAQ page; email Jenny Caldwell, a designated representative at West’s Insurance; or phone 847-623-0456 for other inquiries.

For questions regarding AHA membership and to ensure that your club members list your homebrew club as an affiliation, email the American Homebrewers Association at info@brewersassociation.org or call 303-447-0816 and dial 0 to reach the Member Services department.

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