Organizers of club-sanctioned events and activities are covered under the CGL policy (not the  directors and officers policy).

• Event and activity organizers (who are club members but not directors or officers) are covered under our Commercial General Liability (CGL) policy. This policy is to protect individuals involved in running club-approved events along with members attending the events if, for example, someone is injured, or property is damaged during the event.

• The Directors & Officers (D&O) policy, on the other hand, is specifically for those in leadership positions — like board members — and protects them from legal action related to decisions they make while managing the club.

If the event is officially approved or sanctioned by the club, the organizer would be protected under the CGL policy.