AWG Dewar, Inc. is a unqiue organization specializing in refund insurance. Since 1930, Dewar has been providing customized policies to more than 1,200 of the leading independent clubs, schools, and colleges in North America. Our Club Fee Protection plan refunds program fees when an athlete needs to withdraw or is dismissed. All refunds are paid to the club for credit to the athlete's account. With our plan, clubs receive program fees that might otherwise have been lost, thereby stabilizing their budgeted income and avoiding difficulties associated with collections.