Insurance built for what your organization actually does.
Not a generic commercial policy stretched to fit — whether that's a post hall and a licensed canteen, a retreat property running PTSD programming, or a foundation running charter fishing and equine-therapy trips out of an HQ office with no hall at all. 15 coverage lines, reviewed together.
Same coverage, different missions
Built for what your organization actually does
A PTSD retreat property, an equine-therapy program, a wellness or recovery site — the missions we cover look different from a post hall and a licensed canteen, but the exposure is just as real. Fifteen coverage lines, reviewed together, for whatever your organization actually runs.
Same coverage, different missions
Who this is actually for
VFW, American Legion, DAV, AMVETS & Marine Corps League
Post or chapter hall, canteen, honor guard, member programs.
Retreat & therapy programs
A PTSD retreat property, an equine-therapy or hike-based peer-support program, a wellness or recovery site.
Adventure & field programs
Charter fishing, hunting expeditions, wilderness trips for veterans.
Foundations with no physical post
An HQ office, grant-funded programming, gear or apparel-funded missions — Wounded Warrior Project– and Tunnel to Towers–shaped organizations, or any other veteran-focused nonprofit.
Straight talk, not a sales pitch
What actually goes wrong
Post Guard is built by VAB — for the organizations veterans actually run, not adapted from a policy written for a for-profit business. Here's what tends to catch leadership off guard.
“National covers us” is the most common gap
Your post or foundation is its own legal entity, separate from any national or department organization you're chartered under. National doesn't insure your hall, your canteen, or your officers personally — that's on the post.
Officers carry it personally, not just the org
A governance dispute, an employment claim, or a bad call at the wrong moment can reach past the organization's bank account and into a Commander's, Trustee's, or Executive Director's own assets — that's exactly what Directors & Officers exists to stop.
Alcohol is the exposure people underestimate
A canteen serving members, or a cash bar at a fundraiser gala — either one puts the organization on the hook for what happens after last call, in most states, regardless of who was pouring.
Renting out the hall means someone will ask for proof
Book a wedding, a reunion, or a community event in your space and the renter will almost always want a certificate naming them as additional insured before they sign — not something you want to be scrambling for the week of.
The full coverage schedule
15 lines, one review
Four lines below have a real instant quote today. The rest — including liquor liability and honor guard coverage — are reviewed with a specialist as part of your bundle, not force-fit into a self-serve calculator that isn't built for them.
Property
The post hall, the HQ office, or the retreat property — and whatever's inside that can't be replaced, from historical memorabilia to program equipment.
General Liability
A member, participant, or guest gets hurt — on post property, at your office, on a retreat, or out on a program activity.
Directors & Officers
Protects whoever actually runs the organization personally — Commander/Quartermaster/Trustees for a post, Executive Director and Board for a foundation.
Cyber Liability
Donor and member data, dues and gift records, program-participant files — a real target either way.
Commercial Auto
Post/honor-guard vehicles, or the van, trailer, or boat that gets your program to the retreat, the water, or the trailhead.
See dedicated coverage →Workers' Comp — Including Volunteers
Canteen shifts and honor-guard details, or trip leaders and program guides running a fishing charter, a trail ride, or a retreat weekend — most veteran nonprofits run almost entirely on volunteer labor, and that's the gap nearly nobody carries.
See dedicated coverage →Liquor Liability
For a licensed canteen or any fundraiser/gala where alcohol is served — the single most commonly missing coverage we see.
Commercial Umbrella
The catastrophic layer sitting above every other line on this page.
Crime & Fidelity
Dues and canteen cash, or donations, grant funds, and event proceeds — money that passes through volunteer and staff hands. This covers the organization if that trust is ever broken.
Employment Practices Liability
For any paid staff — a canteen manager, a bookkeeper, a program coordinator, a retreat-site caretaker.
Abuse & Molestation Liability
For any program serving minors or vulnerable participants — Sons of the Legion, Auxiliary and JROTC activities, or youth-focused retreat and therapy programming.
Special Events & Facility Rental
Renting out the hall for weddings and reunions, or running a fundraiser gala or a retreat weekend at your own site — real revenue, and a real exposure.
Tenant & User Event Liability (TULIP)
Coverage that follows whoever's renting your space for their event, not just the organization.
Firearms & Honor Guard Liability
Ceremonial rifle details, funeral honors, and memorial marches for a post — or a hunting/shooting-sports program for a veteran-focused nonprofit.
Inland Marine (Scheduled Property)
Colors and ceremonial rifles for a post, or the boat, horse trailer, and outfitting gear that leaves the property for a charter, a trail ride, or an expedition.
WC Deductible Reimbursement
Caps what the organization is on the hook for under a workers' comp deductible plan.
Straight answers
What every organization asks
No. Your post is its own legal entity, separate from national. National affiliation doesn't insure your hall, your canteen, or your officers personally — that's a post-by-post responsibility, and it's the single most common gap we see when we review a post's coverage for the first time.
Most of it, yes. Property coverage shifts to whatever HQ office, retreat site, or storage you do have; the liability, D&O, cyber, and volunteer workers'-comp lines apply regardless of whether you have a hall.
Property, general liability, D&O, and cyber run through a real instant-quote system. The other 11 — liquor liability, honor guard, special events, and the rest — are specialized enough that a real underwriter reviews them as part of your bundle instead of a self-serve calculator guessing at a price.
It's a dedicated coverage most veteran nonprofits go without because they assume volunteer labor isn't exposed the way paid staff is. Canteen shifts, honor-guard details, and program trip leaders are all real exposure — see the dedicated coverage page for specifics.
Almost always, yes. Whoever's renting from you will typically want a certificate of insurance naming them as an additional insured before they sign — that's what Special Events & Facility Rental and TULIP on this schedule are for. Bring it up in your review before you book the date, not after.
No — the free review maps what you actually need against what you're missing. Most organizations don't carry all 15; the point is knowing which gaps are real before something happens, not being sold a maximal policy.
No. VFW, American Legion, DAV, AMVETS, and Marine Corps League posts and chapters are all eligible, along with any other veteran-focused nonprofit — a retreat or therapy program, a field/adventure program, or a foundation with no physical post at all. The same 15-line schedule maps to whatever your organization actually runs.
Protect the mission.
Whatever it looks like.
One application across all 15 lines — the hall or the HQ, the canteen or the charter boat, the ceremonies or the retreat weekend. Free, no obligation.