Association whisper: tips for securing and liability for Südthüringer clubs

Association whisper: tips for securing and liability for Südthüringer clubs

Schleusingen, Deutschland - On June 15, 2025, the third “club whisper” of the municipal working group Oberzentrum Südthüringen (KAG) took place in Schleusingen. At this well -attended event, 35 representatives from 27 different clubs met to exchange information in the event of damage and liability issues through necessary insurance companies. Mayor Alexander Brodführer welcomed the participants and set an example for the important dialogue between the clubs.

The topics were wide and revolved around the various aspects of insurance cover. Frank Oliver Käthner from Impuls AG gave a specialist impulse about the insurance companies that are essential for clubs. It became clear that there is no general solution for no club; Everyone has to weigh individual risks. Important insurance types, including property insurance such as buildings and content as well as liability policies, were particularly emphasized. The trust damage insurance also played a role.

Liability issues in focus

A central theme of the evening was the liability of board members. It was emphasized that board members had to act with the care of a decent merchant, since they are generally liable with their private assets. It is all the more important to be well informed and take out the right insurance in order to secure yourself. According to Deutsches-ehrenamt.de, clubs should definitely have club liability insurance. This covers personal injury and property damage to third parties and the resulting financial loss.

In addition, organizer liability insurance is recommended because it covers damage during events. This could be relevant, for example, if a visitor is injured at the summer festival. Another important building block is the asset liability, also called D&O insurance, which covers the financial risks of the legal representatives of the association.

diverse insurance options

Overall, the event encouraged the participants to deal intensively with the topic of insurance. The protective letter of the Deutsche-ehrenamts.de offers various modules that are individually tailored to the needs of different types of clubs, from sports to cultural associations. Optional insurance companies such as accident insurance and inventory insurance were also mentioned.

The positive feedback from the participants speak for themselves: Many were enthusiastic about the opportunity to take suggestions for their own clubs and strengthen the network. The next "club whisper" is already planned for November 4 in Oberhof, whereby KAG continues to pursue the goal of increasing the quality of life in the cities of Oberhof, Schleusingen, Suhl and Zella-Mehlis and promoting club life.

For everyone who wants to go deeper into the matter, offers check24.de Helpful information on the various liability insurance for clubs. It pays off to be well informed and prepared!