Chapter Insurance
Scroll down to view a recorded presentation about chapter insurance.
2026 Insurance details are being updated and fact sheet details will be posted soon.
2026 Insurance Overview
The AAW offers general liability insurance to its chapters and members. AAW Group Plan policy terms in place in 2025 will remain available for AAW chapters through 2026 without any interruption in coverage. As a direct benefit of AAW membership each member receives up to $1M in insurance per incident when performing services for officially sanctioned business of the AAW and/or for AAW-affiliated chapters. In addition to the individual member insurance, the AAW has established two alternative general liability insurance programs for AAW chapters.
The first policy option enables chapters to be named in the AAW nonprofit commercial general liability policy. This is the same policy that also names our members as additional insured. We refer to this as the AAW "Group Plan" (formerly the "Blanket Plan"). The second insurance program is a private general liability policy available for purchase individually by AAW chapters. We refer to this as the "Private Plan" (formerly the "Optional Plan").
Below is a brief summary of the coverage limits and basic terms and conditions of all the AAW general liability insurance programs.
- Group Plan: A "Group Plan" general liability policy that insures chapters as an organizational entity and insures non-AAW chapter volunteers. The amount of the contribution toward the AAW premium is $250. This is a $25 increase from 2025 due to an increase in the insurance premium. The $250 cost remains the least expensive general liability insurance among all options available through AAW. Click here to complete the form required to opt in to the Group Plan.
- Private Plan: A separate "Private Plan" general liability policy for chapters that insures chapters as an organizational entity and insures non-AAW chapter volunteers. Premium costs will vary by state but are approximately $500/chapter (plus additional tax in certain states).
- Canadian Plan: A separate "Canadian Plan" general liability policy exclusively for AAW chapters in Canada is available and policy details will be provided soon.
The AAW offers these policies through AMJ Insurance Agency. Detailed fact sheets will be posted soon.
Optional Chapter Insurance Policies
Professional Business Insurance
If your chapter requires insurance for your buildings or if you require business liability coverage, the AAW sponsors a very good policy that many of our full-time professionals have had for several years. It is very affordable and could be purchased by the chapters. Click here for the form required to inquire.
Directors and Officers Liability Insurance (D&O)
If you are an officer or director of your AAW chapter, as an additional benefit, the AAW also has arranged for your chapter to be able to purchase affordable insurance to protect all of the chapter officers, directors, and their spouses from claims brought against you for your actions or omissions while you are acting in your official capacity as officers of your chapters. The cost of premiums for this range from $500 to $800, depending on how much liability coverage you desire (from $500,000 to $1,000,000). To apply for the D&O policy, click here, then complete and submit the AAW Chapter Officer and Director Liability Insurance Application to the address listed on the bottom of the application.
AAW "Group Plan" Insurance Policy - Chapter Opt-In Confirmation
The AAW maintains a commercial general liability insurance policy that insures AAW members and also is available to insure AAW-approved chapters as entities. Any chapter that has at least four AAW members as major officers and contributes annually toward the premium cost may participate in this "Group Plan." By indicating below, this form will serve as confirmation of your chapter’s intention to "opt in” and participate in this policy coverage. The current four major officers of any AAW-affiliated chapter - President, Vice President, Secretary, and Treasurer (or their equivalents, if under a different title) - must be members in good standing of the AAW for the chapter to maintain its AAW chapter status.