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About Lockton Affinity, LLC

Lockton Affinity, an affiliate of Lockton Companies, was formed in 1987 to meet the dynamic, specialized insurance needs of affinity groups, non-profits, associations and franchises.

Workers’ Compensation and Volunteer Accident Insurance

Employees and volunteers are at the heart of your Lodge, and as an organization, one of your greatest responsibilities is ensuring they all are adequately protected. You may need Workers’ Compensation and Volunteer Accident Insurance to fully protect them.

While your Lodge likely has Workers’ Compensation coverage if you have employees, it’s important to know this coverage isn’t for volunteers, who are best protected by Volunteer Accident Insurance. Understanding Workers’ Compensation and Volunteer Accident Insurance is crucial to ensure all your people are protected.

Here’s what to know about the difference in these two types of coverage and why your Lodge may need both types of coverage.

Understanding Workers’ Compensation for Lodge

Even with the best training and safety precautions, accidents are bound to happen. The consequences of an accident can […]

June 17th, 2020|

Knowing the Signs of Serious Illnesses

It’s not always easy to tell what’s wrong when you don’t feel well. Some symptoms can go unnoticed, while other signs of serious illnesses are so common we may ignore them. Knowing the signs of serious illnesses like heart attack and stroke helps protect your organization and community and can prevent an otherwise tragic outcome. Here’s what to know:

Signs of Serious Illnesses: Heart Attack

It’s not always easy to tell if something’s wrong with your heart. Everyone has aches and pains, but it’s important to know when discomfort could be a sign of something more serious.

1. Chest discomfort

Chest discomfort can include sensations of pain, tightness, pinching, burning, or pressure. The pain doesn’t go away after a few minutes and may worsen. This is a common sign, but it’s not universal.

2. […]

May 20th, 2020|

The Importance of Insurance

As recent events prove, life is full of uncertainty. Only a couple months ago, Moose Lodges across the country were preparing for their regular spring and summer activities. While things will get back to normal soon, the COVID-19 pandemic reminds us that things don’t always go according to plan.

While it is important to plan for our futures, it is also important to prepare for the unexpected. Uncertainty can lead to added stress and worry, which can have a negative impact on all involved. One way to prepare for the unexpected is insurance. The importance of insurance for Lodges comes down to three factors: protecting what you have built, minimizing the risks you face and proactively addressing the challenges of uncertainty.

Importance of Insurance: Protecting What You Have Built

Your Lodge and […]

May 6th, 2020|

Preparing for Volunteers at Your Lodge

Once life at your Lodge returns to normal, old and new volunteers will likely be looking for ways to give back. To prepare for the volunteers, examine your Lodge’s volunteer training and safety precautions.

  1. Update your Lodge’s emergency contacts

If there’s an emergency during an event, your volunteers will need to know how to reach you. On the other hand, a situation may arise where it’s you who needs to get in touch with a volunteer. Make sure everyone has the necessary phone numbers to facilitate important communication.

  1. Send communications

Whether you use social media, email or texting for volunteer and guest contact lists, take time to craft a new message and send updates on the state of your Lodge. Share upcoming events they may be able […]

April 3rd, 2020|

Hire Landscaping Professionals or Use Volunteers?

Like many, your Lodge might considering whether or not to hire landscaping professionals or to use volunteers. With volunteers, you could save on budget while engaging the local community. But yardwork, gardening, mowing, tree-trimming, landscaping and horticultural labor does carry the risk of injury, so it’s important to manage the risk.

Risks that Exist

The landscaping and horticultural services provided by professionals is wide-ranging. From simple mowing and mulching, to tree trimming, line clearance, irrigation, planting, architectural design and heavy construction, the services are vast. According to the Bureau of Labor Statistics, the professional industry reports about 13,025 injuries per year. Many injuries are minor such as sprains or strains, but the potential for serious injury exists. Hazards include power tools and machinery, overhead electrical lines, heavy loads, falling objects, slips […]

February 25th, 2020|

Special Event Preparation

Renting out Lodge facilities and property for a special event is a great way to earn money for the Lodge and help serve the local community, but it is not without risk. Property damage, personal injuries and other claims can arise. Prepare your Lodge for special events with these tips:

Have a Risk Management Plan

Safety is best ensured and problems are best avoided by having a risk management plan before you begin hosting events. You can greatly reduce the risk of a claim by:

  • Identifying any potential hazard risks for your event.
  • Assessing the severity of the risk and the potential impact.
  • Controlling the risk exposure by taking appropriate precautions.

Prepare for Inclement Weather

Weather is always a factor in any event planning. Whether the event must be cancelled or postponed, or […]

February 6th, 2020|

Does Your Property Policy Cover a Smoking Porch Addition?

If your Lodge is building an smoking porch addition on the property, it’s crucial to involve your property insurance agent or broker in the process to avoid problems like coverage misunderstandings, denied coverage for claims and losses, and underinsurance issues.

As of January 1, 2020, Lodges have become smoke-free. It’s a big change for members, and in many cases, it’s also leading to big changes for Lodge facilities, so it’s important to be prepared.

Going Tobacco-Free

With delegates voting to make all Lodges smoke-free on Jan. 1, 2020, many Lodges are adding space to their properties to give smokers a place to go. Whether it’s a new deck, pergola or smoking porch addition, this solution is a win–win, helping your Lodge provide a welcoming atmosphere for prospective members inside the Lodge, while […]

January 8th, 2020|

Putting Up and Taking Down Holiday Decorations Safely

Each year there are thousands of injuries involving putting up and taking down holiday decor. You can reduce the risk to your members, guests and volunteers as you put Lodge decor away this season (keep this post in mind as you decorate for other holidays, too) by following these holiday decor safety tips:

Live and Artificial Trees

  • Purchase a fresh tree to minimize the fire hazard and maximize long life.
  • Cut off the bottom 2 inches of the trunk base for better water absorption.
  • Water a live tree daily by filling up the tree stand basin.
  • Install all trees at least 3 feet from all heat sources.
  • Make sure the tree does not block doors or walkways.
  • Ensure artificial trees are labeled as fire resistant.
  • Take trees down before they […]
January 8th, 2020|

Top 10 Volunteer Safety Tips

Around the Lodge this time of year, you may get inquiries from new volunteers looking to give back. One way to celebrate these new volunteers’ resolutions to give back is by making your own resolution to help keep them safe around the Lodge. Here are the top 10 volunteer safety tips of the year:

1. Plan for Inclement Weather

Sleet and snow can make travel risky for volunteers and guests and an unexpected storm may mean you need to postpone or cancel an event on short notice. Plan how to deal with potential risks and ensure volunteers know what to do if there is inclement weather the day of the event.

2. Share a List of Emergency Contacts

If there’s an emergency during an event, your volunteers will need to know how to […]

December 9th, 2019|

Tools and Tips for Better Kitchen Safety

The much-loved Lodge kitchen could pose many hidden risks if your Lodge lacks the proper tools. Unsafe kitchens are more likely to result in serious injuries, which can result in costly claims and litigation.

These risks can be greatly reduced by supplying your Lodge’s kitchen with the right equipment, much of which is affordable and readily available.

Here is a list of tools and tips that can help your Lodge establish better kitchen safety:

1. Fire extinguishers

Make sure your Lodge has at least one Class K fire extinguisher to handle cooktop fires. Unlike common ABC Class extinguishers, these can disperse a wet agent that quickly cools hot metal surfaces and turns burning oil and grease into harmless soap in a process called saponification. It’s easy to clean up and doesn’t contaminate other […]

November 25th, 2019|