Booster Club Basics: Why Insurance is Essential

Running a booster club comes with responsibilities, and insurance is an essential protection for your organization. Here's a detailed breakdown of the coverage types your club needs, plus information on where to find appropriate insurance:

Liability Insurance

General liability insurance protects against claims of bodily injury or property damage. For example, if your concession stand's popcorn machine burns someone, liability insurance would cover:

• Medical expenses for the injured person
• Legal defense costs if you're sued
• Settlement payments if your club is found responsible

Most school districts explicitly state that their insurance does not extend to booster clubs, even when operating on school property. This means your club is fully exposed to liability risks without your own coverage.

Loss Coverage

Also known as property insurance, loss coverage protects your physical assets:

• Concession equipment (popcorn machines, grills, warmers)
• Merchandise inventory (spirit wear, promotional items)
• Cash boxes and funds during events
• Storage facilities or equipment sheds

Officer Coverage (D&O Insurance)

Directors and Officers insurance protects your volunteer board members from personal financial liability when making decisions for the club. This coverage is critical because board members can be personally sued for decisions made in their official capacity.

Where to Find Booster Club Insurance

RV Nuccio & Associates

RV Nuccio is one of the most well-known providers specializing in booster club insurance. They offer comprehensive packages specifically designed for booster organizations with:

• Online quotes and application process
• Specialized understanding of booster club needs
• Certificates of insurance available immediately

Other Providers to Consider:

• K&K Insurance offers programs for amateur sports organizations
• The NFHS (National Federation of State High School Associations) has partnership programs
• Local insurance agents who specialize in nonprofit organizations

Typical Costs

Insurance costs vary based on club size, activities, and coverage limits, but you can expect:

• General Liability: $300-$750 annually for $1 million in coverage
• Property/Loss Coverage: $200-$500 annually depending on value of assets
• D&O Insurance: $500-$1,200 annually

Many clubs find that package policies combining all three types of coverage often range from $750-$1,500 per year total, making them more cost-effective than purchasing separate policies.

Many insurance providers offer monthly payment options to help booster clubs manage their budgets more effectively. The investment in proper insurance is minimal compared to the potential financial devastation of an uninsured incident.