Association and Club Insurance
Ensure your association or club is properly and fully covered.
4.9 out of 5 customer review rating and 1.7M+ policies sold
Protect your organization with association or club insurance
From property damage to physical injuries to network security breaches, associations and clubs have to be prepared for the potential financial impact from a wide range of risks.
At biBerk, we provide tailored club insurance coverage at savings of up to 20%. Whether you need workers' compensation, general liability, a business owners policy or BOP (sometimes called property & liability insurance), commercial auto, umbrella, or cyber insurance, just complete a simple form online or speak with our licensed insurance experts to get a fast, free quote. Plus, with biBerk, you can purchase a policy, manage it, and report claims online for ultimate convenience.
Who needs condo associations insurance?
Who needs condo associations insurance?
Groups such as condo associations face many risks. For example, employee injury is always possible, so workers’ comp is crucial. Accidental fires and property theft or damage should be covered by a property and liability policy. And many business interactions require a Certificate of Insurance, which is available online as soon as you purchase a policy from us. If you have questions about condo association insurance, contact us and one of our licensed insurance experts can answer them.
Any type of association or club needs business insurance, including:
What are the different types of associations and clubs insurance?
At biBerk, we offer six different types of insurance for organizations like yours. Depending on the location of your entity and other factors, certain types might be better for you than others.
General Liability insurance
Also known as commercial liability insurance, a general liability policy is important. The policy covers damages and legal costs associated with injury claims by customers and other people you don’t employ, damage to other people’s property that was caused by your business, and medical costs associated with these incidents. It also covers libel, slander, and copyright infringement. Plus, there are endorsements you can add to customize your policy, including cyber, hired and non-owned auto liability, employment-related practices liability, and employee benefits liability.
Business Owners Policy
Also called property & liability insurance, a business owners policy (BOP) combines general liability insurance with coverage for your organization’s property. You'll get protection for the building you own, space you lease, and any property needed to run your business, while also receiving coverage for things like business interruption. This can replace lost income, as well as cover other costs associated with getting your organization back up and running after suffering property damage, such as the use of a temporary location. You can also tailor your BOP with add-ons including cyber, hired and non-owned auto liability, employment-related practices liability, and employee benefits liability.
Commercial Auto insurance
If your association or club owns or leases vehicles, this policy protects your organization. This type of insurance can provide coverage for legal and medical fees should an employee experience an accident or your vehicles get damaged. It can cover the cost of damages even if the vehicle is used for personal activities outside of its primary business use.
Cyber insurance
This coverage can be purchased as an add-on to a general liability, professional liability, or BOP policy. It helps cover costs related to system hacks or data security breaches in which sensitive information has been stolen and fraud has occurred or there is a reasonable expectation that it might occur.
Umbrella insurance
Every insurance policy you purchase has a maximum value that it will cover in the event of an incident. Umbrella insurance adds another layer of protection: it can cover costs that exceed the limit of another liability policy, subject to its own limit. Without it, you may be responsible for anything over your policy limit. Liability suits can easily exceed the actual value of many small organizations, so we highly recommend an umbrella policy to protect your company.
Condo association insurance add-on for directors and officers
Condo association insurance add-on for directors and officers
Condo association directors and officers face unique risks in their role. To provide coverage specifically for them, biBerk offers a business owners policy (BOP) add-on. It’s additional condo association insurance that protects the organization’s leadership.
Why biBerk for associations and club insurance?
We're the experts when it comes to small business.
Save time.
Get a quote entirely online or speak with one of our insurance experts right away for help getting a quote, buying a policy, or answering any questions you may have.
Save money.
We insure your small business directly, without a middleman or insurance broker, so we pass that savings along to you - up to 20% less than policies with other insurance companies.
Experienced.
We're part of the Berkshire Hathaway Insurance Group with millions of satisfied customers, more than 75 years of insurance experience, and $62 billion in paid claims in 2023.
What to look for in condominium association insurance companies
When researching condominium association insurance companies or providers that offer any type of association or club insurance, it’s important to choose a company that has a full range of coverages. Ideally, you want to get all the policies your organization requires in one place. For example, biBerk’s comprehensive offerings mean you can work with one trusted provider for all your insurance needs.
