Leaders make daily decisions that impact the success of their Lodge. As a leader, these members are expected to accept the same guidelines and duties that the heads of major corporations follow: the duties of diligence, loyalty and care.

Despite training and having the best interests of the Lodge at heart, mistakes can happen. When errors occur, members, other Lodge employees and even outsiders may question the decisions of your Lodge’s leaders.

Costly claims can follow board members’ choices, especially if a decision leads to a financial burden on the Lodge. These claims of mismanagement or breach of fiduciary duties can threaten the personal assets of your Lodge as well as your directors, officers and trustees.

Directors and Officers Liability protects your board members and their personal assets are protected. D & O coverage defends against the following allegations and more:

  • Members who feel that their contributions have not been used to further the aim of the organization.
  • Members who disagree with a majority decision on the use of funds.
  • Beneficiaries who feel they are entitled to more than they receive.
  • State Attorney Generals who institute legal proceedings against the board for issues such as mismanagement of funds.
  • Ex-club members who claim they were discriminated against.

Directors and Officers Liability Insurance extends coverage to past, current and future board members. Knowing their personal assets are always protected, your board members can do their job with peace of mind.


Program is administered by Lockton Affinity, LLC d/b/a Lockton Affinity Insurance Brokers, LLC in California. Coverage may not be available in all states and is subject to actual policy terms and conditions. Coverage may be provided by an excess/surplus lines insurer which is not licensed by or subject to the supervision of the insurance department of your state of residence. Policy coverage forms and rates may not be subject to regulation by the insurance department of your state of residence. Excess/surplus lines insurers do not generally participate in state guaranty funds and therefore insureds are not protected by such funds in the event of the insurer’s insolvency.