CLUBHOUSE &EVENT SPACE
EVERY GATHERING, RENTAL, AND COMMUNITY EVENT IS A PREMISES LIABILITY EXPOSURE.
GATHERINGS, RENTALS, AND ALCOHOL SERVICE ALL CREATE SEPARATE EXPOSURES.
A community clubhouse operates as a multi-use event venue — association holiday parties, board meetings, resident birthday rentals, wine club tastings, and fitness classes all happen under the same roof with different liability profiles. The GL must cover the association's own events, and rental agreements must shift renter-caused liability off the association.
Holiday parties, board dinners, and community gatherings hosted by the association under its own GL.
Birthday parties, graduation events, and private gatherings where renters should carry their own event liability.
Wine at association events and BYOB at rentals both create liquor liability questions for the association.
Food prep in the clubhouse kitchen creates food contamination exposure and workers' comp for staff.
TAP EACH EVENT TYPE TO SEE THE COVERAGE QUESTION.
Different events create different liability profiles. Tap each to understand the exposure.
EVERY OUTSIDE RENTER MUST CARRY THEIR OWN EVENT LIABILITY.
The clubhouse rental agreement is the document that separates the association's liability from the renter's. It should require event liability insurance with the association as additional insured, specify minimum coverage limits, address alcohol rules, require the renter to hold the association harmless, and prohibit activities beyond the approved use. Without these terms, every rental event puts the association's GL on the front line for claims the renter should be covering. Kelly Insurance Group helps boards draft rental agreement insurance requirements and establish the verification process so no event proceeds without proof of coverage.
CLUBHOUSE & EVENT COVERAGE — ANSWERED.
DOES THE ASSOCIATION'S GL COVER CLUBHOUSE EVENTS?
Association-hosted events are covered under GL. Outside renters should carry their own event liability naming the association as additional insured. GL may have exclusions for alcohol, large gatherings, or specific event types.
WHAT LIABILITY DOES ALCOHOL SERVICE CREATE?
Association-served alcohol adds liquor liability and dram shop exposure. Renter-served alcohol should be covered by the renter's event policy. Confirm alcohol coverage before any event involving service.
SHOULD RENTERS BE REQUIRED TO CARRY INSURANCE?
Every outside renter should carry event liability naming the association as additional insured. The rental agreement should specify minimums, require proof before the event, and include hold-harmless language.
WHAT PROPERTY COVERAGE DOES THE CLUBHOUSE NEED?
The structure is under the master property policy. Interior contents — furniture, kitchen equipment, AV — should be scheduled at accurate values. Equipment breakdown covers kitchen appliance and HVAC failures.
DOES CATERING CREATE LIABILITY FOR THE ASSOCIATION?
Outside caterers should carry their own GL and food contamination coverage with the association as additional insured. If association staff prepares food, the association's GL and workers' comp respond.
WHAT ABOUT FITNESS OR ACTIVITY ROOMS IN THE CLUBHOUSE?
Each activity type adds its own risk profile to the GL. Fitness equipment, game rooms, and craft studios create separate premises liability and equipment breakdown exposure beyond event use.
COVER THE GATHERINGS AND THE VENUE THEY HAPPEN IN.
Kelly Insurance Group structures clubhouse coverage for the full range of events — association-hosted, renter-hosted, and everything between. Since 1881.
The availability of coverage and eligibility for coverage can depend on numerous factors. We cannot guarantee that all customers, individuals, and businesses looking for coverage will be successful in these efforts when contacting our team. All policy coverages and terms need to be fully reviewed by the respective consumer to ensure the coverage asked for is what is specifically being quoted or provided by any insurance policy. Insurance Policies, Coverage Changes, and their terms and conditions are not bound or altered until written confirmation is provided by one of our licensed team members or underwriters. This page does not offer legal advice, legal opinions, or policy interpretations. Rather, this page is meant as a resource to help provide customers and insurance consumers with additional considerations that may help in their insurance buying or pursuit of insurance information. Kelly Insurance Group does not employ or direct attorneys.
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Disclaimer: Coverage availability and eligibility may depend on underwriting review, carrier guidelines, policy terms, state requirements, business operations, risk characteristics, and other information provided during the application or quoting process. Kelly Insurance Group cannot guarantee that every individual, customer, organization, or business seeking coverage will qualify for, receive, or successfully place insurance coverage. All policy coverages, exclusions, conditions, limits, endorsements, and terms should be carefully reviewed by the consumer, insured, or applicant to confirm that the coverage requested is the coverage being quoted, offered, or provided. Insurance coverage, policy changes, endorsements, cancellations, and other policy terms are not bound, changed, confirmed, or altered unless and until written confirmation is provided by a licensed Kelly Insurance Group team member, the applicable insurance carrier, or an authorized underwriter. This page is provided for general informational purposes only and does not provide legal advice, legal opinions, insurance coverage opinions, or policy interpretations.