What could go wrong?

Here are the claims civic and social organizations see most often: member and guest injuries at meetings and events and damage to rented halls. Customers spend time in your space or let you into theirs, so injury and property damage claims are the main concern. If your business is found negligent, medical bills or repair costs can land on you.

A class Coterie knows

Civic and Social Organizations ranks #52 on Coterie’s Top 100 classes list (December 2025), so this is a business type Coterie actively writes.

Choosing your coverage

General liability: General liability covers third-party bodily injury, property damage and, for most classes, personal and advertising injury. Per-occurrence limits are $300K, $500K, $1M or $2M, with aggregates at twice that, and the policy includes medical payments and damage to rented premises.

Business owner’s policy: A BOP covers equipment, supplies and business income in one policy.

Eligibility notes for civic and social organizations

Clubs, auxiliaries, booster clubs and senior associations are named in Coterie’s appetite; events are reviewed during underwriting. Across all classes, Coterie generally accepts up to $10M in revenue and 50 employees, one location per policy, no more than two losses in five years (none over $15K) and no prior cancellations or non-renewals.

Service built for small business

Quotes and certificates are instant, and Coterie’s own team manages claims from start to finish. As a bonus, Manage My Risk gives you free safety resources and risk assessments you can share with your team.

All coverage is subject to underwriting and availability.

Quote and bind in minutes: Coterie Quote and Bind

Prefer a phone call? America Insurance Brokers can walk Georgia civic and social organizations through every option.

Get a quote

Start your Coterie quote online, or call America Insurance Brokers to talk through your options for Georgia civic and social organizations.