Insurance for Lake Associations

While there have been few reported lawsuits brought against lake organizations, the exposure to liability claims and litigation is very real. Whether it is a voluntary unincorporated association, a non-profit corporation, or a formal government entity, such as a lake management district, the kinds of liability exposure a lake organization faces are essentially the same. However, the legal form of the organization will have a significant impact on the available immunities and defenses to litigation.

It is the responsibility of everyone, particularly lake officials and leaders, to consider the insurance question carefully and to develop and follow a reasonable plan that will be of benefit to the lake organization, its officers and employees, and the lake. In very general terms, the more activities and properties that an organization has, the greater its risk.

Insurance, Liability Risks and Protection for Wisconsin Lake Organizations (PDF 74 KB) explains some of the matters to consider regarding liability and insurance for lake organizations. Since every situation is unique, officials are urged to consult their local insurance broker, their attorney and perhaps other professionals for advice and direction concerning individual insurance needs.

People of the Lakes: Guide for Wisconsin Lake Organizations. Chapter 7, Insurance (PDF 663 KB)

A recent Lake Tides article (Fall 2005) published by the UW-Extension discussed insurance for lake organizations and provided basic information about the common types of insurance.

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