Signature Club
As the leader in insuring Golf & Country Clubs in Canada we saw a need for a custom commercial insurance solution for City, Social and Athletic Clubs.
Based on our over 17 years of experience with Golf & Country Clubs we built an insurance package that protects your City, Social or Athletic Club, members and guests and all its amenities. Signature Club offers three levels of insurance coverage allowing you to choose the right package for your clubs needs.
Why Signature Club Insurance?
Signature Club is a specialized commercial insurance program built for city, social and athletic clubs, and similar membership‑based facilities.
It is designed for clubs that combine activities, dining, fitness, social events, and other member services and want one coordinated policy tailored to their unique operations.
No. Signature Club is a Managing General Agent (MGA). We design and underwrite the policies, while your independent insurance broker manages your account.
- The Benefit: You keep your trusted broker relationship while gaining access to our exclusive, city, social and athletic club specific coverage and specialized underwriting expertise that generalist brokers can't build alone.
No. We work exclusively through licensed insurance brokers.
- The Benefit: This ensures you receive unbiased professional advice from your broker, combined with our tailored industry pricing and custom forms designed specifically for the unique risks of city, social and athletic clubs in Canada.
Signature Club is structured around the risk profile of city, social and athletic clubs, not generic hospitality or office risks.
The wording, limits, and extensions are designed to address member‑centric operations, high‑value amenities, and event‑driven revenue, reducing grey areas and common coverage gaps at claim time.
The program is intended for social and city clubs, athletic and racquet clubs, and other invitation‑only or membership‑based organizations.
It can also respond to clubs that include broader amenities such as pools, soccer, curling, tennis and pickleball, fitness centres, dining rooms, spas, and event spaces.
Signature Club offers comprehensive property coverage for clubhouses, maintenance and sports facilities, contents, fine interiors, and on‑site amenities.
Coverage can extend to structures like pools, courts, outbuildings, and site features, as well as equipment, art, furnishings, and technology that support day‑to‑day operations and member experience.
Business interruption coverage is designed to protect the club’s revenue and cash flow if operations are disrupted by an insured loss.
It can respond to lost membership dues, food and beverage income, event revenue, and other core income streams until the club returns to pre‑loss performance.
Signature Club includes commercial general liability to respond to bodily injury and property damage arising from club operations.
Coverage can be structured to include members as additional insureds where appropriate, and to respond to incidents involving guests, events, and on‑site activities.
The program is built with club social calendars in mind, including banquets, weddings, tournaments, and member events.
It can be paired with liquor liability coverage (where legally permitted and required) to address exposures arising from the service and consumption of alcohol at the club.
Signature Club can include commercial crime coverage for exposures such as employee dishonesty, theft of money and securities, and certain fraud‑related losses.
This helps protect the club’s finances in areas like member billing, dues collection, food and beverage operations, and pro shop or retail sales.
The program can be complemented by management‑liability‑type coverages (often arranged alongside the core package) to help protect directors, officers, and committee members.
This supports clubs that are governed by boards and member committees, where decisions about operations, membership, and finances carry potential liability.
A club works through its insurance broker, who gathers key details about facilities, operations, membership, and risk controls and submits them for underwriting.
The underwriting team then develops terms that reflect the club’s size, amenities, claims history, and risk‑management practices, with the goal of providing stable pricing and long‑term insurability.
Signature Club is a specialized commercial insurance program built for city, social and athletic clubs, and similar membership‑based facilities.
It is designed for clubs that combine activities, dining, fitness, social events, and other member services and want one coordinated policy tailored to their unique operations.
No. Signature Club is a Managing General Agent (MGA). We design and underwrite the policies, while your independent insurance broker manages your account.
- The Benefit: You keep your trusted broker relationship while gaining access to our exclusive, city, social and athletic club specific coverage and specialized underwriting expertise that generalist brokers can't build alone.
No. We work exclusively through licensed insurance brokers.
- The Benefit: This ensures you receive unbiased professional advice from your broker, combined with our tailored industry pricing and custom forms designed specifically for the unique risks of city, social and athletic clubs in Canada.
Signature Club is structured around the risk profile of city, social and athletic clubs, not generic hospitality or office risks.
The wording, limits, and extensions are designed to address member‑centric operations, high‑value amenities, and event‑driven revenue, reducing grey areas and common coverage gaps at claim time.
The program is intended for social and city clubs, athletic and racquet clubs, and other invitation‑only or membership‑based organizations.
It can also respond to clubs that include broader amenities such as pools, soccer, curling, tennis and pickleball, fitness centres, dining rooms, spas, and event spaces.
Signature Club offers comprehensive property coverage for clubhouses, maintenance and sports facilities, contents, fine interiors, and on‑site amenities.
Coverage can extend to structures like pools, courts, outbuildings, and site features, as well as equipment, art, furnishings, and technology that support day‑to‑day operations and member experience.
Business interruption coverage is designed to protect the club’s revenue and cash flow if operations are disrupted by an insured loss.
It can respond to lost membership dues, food and beverage income, event revenue, and other core income streams until the club returns to pre‑loss performance.
Signature Club includes commercial general liability to respond to bodily injury and property damage arising from club operations.
Coverage can be structured to include members as additional insureds where appropriate, and to respond to incidents involving guests, events, and on‑site activities.
The program is built with club social calendars in mind, including banquets, weddings, tournaments, and member events.
It can be paired with liquor liability coverage (where legally permitted and required) to address exposures arising from the service and consumption of alcohol at the club.
Signature Club can include commercial crime coverage for exposures such as employee dishonesty, theft of money and securities, and certain fraud‑related losses.
This helps protect the club’s finances in areas like member billing, dues collection, food and beverage operations, and pro shop or retail sales.
The program can be complemented by management‑liability‑type coverages (often arranged alongside the core package) to help protect directors, officers, and committee members.
This supports clubs that are governed by boards and member committees, where decisions about operations, membership, and finances carry potential liability.
A club works through its insurance broker, who gathers key details about facilities, operations, membership, and risk controls and submits them for underwriting.
The underwriting team then develops terms that reflect the club’s size, amenities, claims history, and risk‑management practices, with the goal of providing stable pricing and long‑term insurability.
Signature Club offers the only customized insurance policy written exclusively for the City, Social and Athletic Club industries in Canada.
We have included coverages in our policy wordings that are meaningful to operators and ensure that you, your staff, members and guests are protected. Getting you back in business after a loss is our first priority.
Download our Data Sheet for more information and highlights of coverage
Custom Packages
Signature Club allows you to choose the level of coverage and limits that are right for your facility.
Quick Turnaround
We recognize the importance of getting terms quickly and will provide realtime updates via our SMS notification service. Subscribe Now
Formulaires de demande de Signature Club
Completed application forms may be submitted to applications@signaturerisk.com and we will work with you through every step of the quote process.
Les formulaires de demande dûment remplis peuvent être envoyés à: soumission@signaturerisk.com. Nous travaillerons avec vous à chaque étape du processus de soumission.