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General Liability Insurance - Chapters & Members
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2019 Insurance Overview

The AAW offers general liability insurance to its chapters and members. All policy options in place in 2018 will remain available for AAW chapters through 2019 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 our affiliated chapters. Separate from the AAW member insurance, the general liability insurance options available for our chapters includes:

  • Group Plan: A "Group Plan" general liability policy that insures chapters as an organizational entity and insures non-AAW chapter volunteers. New for 2019, the amount of the contribution toward the AAW premium has been raised to $200. Since first introducing the Group Insurance Plan early in 2013, the amount of the contribution toward the premium was increased only once, by $5. The higher rate for 2019 is necessary to keep pace with rising expenses. The $200 cost remains the least expense general liability insurance among all options available through AAW. Apply using the form at the bottom of this page.
  • Private Plan: A separate "Private Plan" general liability policy for chapters that that insures chapters as an organizational entity and insures non-AAW chapter volunteers. Premium costs will vary by state but are approximately $425/chapter (plus additional tax in certain states). Premiums and coverage can be confirmed by contacting our affiliated agent directly.
  • Canadian Plan: A separate "Canadian Plan" general liability policy exclusively for AAW chapters in Canada and made available by the Society for Canadian Woodworkers. Premiums and coverage can be confirmed by contacting the SCW representative. Application.

To review differences between the chapter insurance plans, and to learn the terms and conditions of all the AAW general liability insurance programs please visit the following downloadable documents.

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. 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, 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 $200 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.



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