City & Social Club Insurance

Coverage for your private membership club clients.

City Clubs Umbrella

High-Limit Protection


Designed for membership clubs in the city such as university alumni clubs and others. 

Our team of underwriters are experts in the industry and will be able to guide you and your clients throughout the entire process, ensuring you're delivering world-class service and coverage.

For specialty coverages designed for city clubs, rely on Distinguished. 

Value, expertise, and experience your clients can rely on.


Up to $170M in Limits

Express Real Estate Umbrella

National Coverage

Express Hotel Umbrella

All Admitted Carriers

The City Clubs Umbrella serves:


Membership Clubs

City Clubs Umbrella

World-Class Experts

Express Real Estate Umbrella

+1M Hotel Rooms Covered

City Clubs Umbrella

A to A+ Admitted Carriers

High Limits. Already Built.

No need to build layers of coverage on your own. Save your time and resources for more valuable activities and rely on the Umbrella limits we've already built for your clients. It's easy, efficient and good business.

Outstanding Value.

When you compare the level of coverage to the premium costs, the value is outstanding. Exceptional coverage for when the exceptional event occurs. It's why we call it sleep insurance, more effective than counting sheep.

Power of the Pen.

Extensive delegated underwriting authority from our long-term carrier partners allows you to work directly with decision-makers. We can provide limits and access to carriers unavailable outside of the program market.

In-Depth Domain Expertise.

Designed by industry risk experts, with decades of experience, the City Clubs Umbrella provides the comprehensive coverage your clients need. Rely on our expertise.


  • High-limits, up to $170M
  • Broad coverage does not exclude Legionella
  • No sublimits on Liquor Liability

State Availability:

  • Available in all 50 states


  • City Membership Clubs
  • With or without gyms and pools
  • With or without hotel rooms included
  • Very competitive pricing for high-limit coverage
  • Limits up to $170M
  • Broad coverage that is silent on Legionella & Construction
  • Does not automatically include Designated Premises
  • Broad Pollution coverage

The coverage information outlined above is a guideline only. Please refer to the actual policy for full terms, conditions, exclusions, and limitations. In the event of a conflict between the above information and the actual policy, the policy will control. 

Download Distinguished Hospitality Umbrella Application

Submit completed application to your sales executive 



  • Completed application
  • 5-10 Years currently valued underlying first-dollar loss runs for all lines of coverage to be scheduled (other than EL)
  • Details about any large losses or MARSHA losses
  • SOV including Fire/Life-Safety information unless application is fully completed
  • Underlying quotes for all lines of scheduled coverage
  • Amenities Supplemental Application if there are any resort/casino type amenities included
  • Include additional locations using the Location Supplemental Application

Program led by Chubb; all carriers are admitted* and A.M. Best rated A or better. *(Coverage non-admitted in Louisiana.)

Ready To

It's easy. Just go to our online portal and get started. If you haven't registered as a broker, you'll need to do that first. And if you need any help, we're here.


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