Blog - Moose Insurance Program

Insurance Policies Lodges Need in 2026

Each day your organization is open, there’s the opportunity for a lot of things to go right. Most days, they do. But every so often, you’ll have a day when something goes wrong. When it does, having the right insurance coverage will be important.

Today’s fraternal organizations face many different kinds of risks, making several insurance policies a must. Read on to understand key insurance policies Lodges need in 2026.

Key Insurance Policies Lodges Need

Insurance solutions can provide affordable and comprehensive risk protection, so you can stay focused on your members and the community. As a fraternal organization, you may need a combination of the following policies to protect your members, property and organization.

Property

Your property is a key exposure that requires specific protection. […]

January 20th, 2026|

Alcohol Server Training and Safety for Moose Lodges

Whether your organization operates a bar or hosts events where alcohol is served, organizations that sell or serve alcohol face many risks — the liability of the actions of an intoxicated person, reputational risks and more.

Taking care to understand these risks, complying with all local laws and requirements and investing in alcohol server training can make a difference for your organization, patrons and attendees.

Read on to learn more about alcohol server training and how it can make a difference for your organization.

What is Alcohol Server Training?

There are a number of educational programs offering server training to establishments selling or serving alcohol have been developed in conjunction with liquor control, law enforcement, highway safety and substance abuse organizations. Several nationally recognized programs are […]

October 30th, 2025|

Safety Resources for Moose Lodges

A culture of safety is important for members and guests alike. That’s why Lockton Affinity, administrator of the Moose Insurance Program, offers a robust library of safety resources for fraternal organizations like yours.

Free to Lodges, resources include risk management articles, quarterly safety newsletters and more.

Read on to learn about the helpful safety resources for fraternal organizations.

Safety Resources for Moose Lodges — Risk Management Articles

For deep dives into specific safety issues fraternal organizations face, browse our risk management articles. We cover a wide range of topics, but mostly focus on:

Member and guest safety — Tips and training to reduce member and guest injuries and property damage.
General information about Lodge insurance — Details and policy information about insurance coverage available to […]

August 28th, 2025|

Types of Employment Practices Liability Claims

Employment practices liability (EPL) coverage deals with hiring, firing and everyday workplace interactions. Employment practices liability claims alleging workplace discrimination or sexual harassment are increasingly common.

Members and guests may file an employment practices liability claim against the Lodge if they feel they have been discriminated against, sexually harassed or wrongfully expelled/terminated from the organization. Employment practices liability policies provide coverage for these types of claims involving members and guests, treating them the same as paid employees.

To protect your Lodge, it’s important to understand different types of employment practices liability claims. Here is a deeper dive into four common employment practices liability claims and how to protect against them.

Hostile Work Environment

A hostile work environment claim can be complex and involves behavior that discriminates against a group of people based on […]

June 27th, 2025|

Would Equipment Malfunction Impact Your Operations?

Your organization relies on equipment every day. From standard building equipment like HVAC systems and computers to specialized kitchen appliances, audio and visual equipment and more—your organization’s equipment is critical to your operations.

If your equipment were to malfunction or break, it could disrupt your day-to-day operations for your members, guests and volunteers. But with the right maintenance and preparation, you can keep your Lodge running smoothly.

Preparation Tactics for Equipment Malfunction

Implement these tips to prevent and prepare for equipment malfunction.

Proper installation and use

Carefully oversee all equipment installation and setup. Train members on the proper usage of business equipment. Members who use equipment should understand how to troubleshoot equipment and the standard safety measures when using the equipment.

Routine maintenance

Schedule maintenance checkups on your HVAC system and specialized equipment at least twice […]

April 28th, 2025|

Ensuring Moose Member Safety: Key Tips and Guidelines

As a Moose Lodge, the safety and well-being of your members are paramount. From handling emergencies with well-stocked first aid kits to ensuring the mental, physical and emotional wellness of your members, there are numerous aspects to consider.

Explore this guide for essential tips to help mitigate potential hazards and foster a culture of safety and care.

Ensuring Moose Member Safety from Internal Risks

First aid kit essentials

Having the right first aid supplies is crucial for handling emergencies. Compliance with OSHA standards is important, and the American National Standards Institute provides guidance on what to include in your kits. There are two types of kits: Class A for common injuries and Class B for more severe injuries. Regularly check […]

March 3rd, 2025|

3 of the Most Common Claims Against Fraternal Organizations

As a leader in your fraternal organization, you are aware of the risk of claims your organization faces every day.

A guest or volunteer could get injured, whether tripping on a rug or slipping on a wet floor. Property damage could occur through severe weather like hail, wind and floods. Your directors and officers could make an unpopular decision and face backlash from other members or the community.

Unfortunately, part of running your organization means facing these potential claims, which is why it’s crucial to have a trusted insurance partner.

Below, we explore three common claims fraternal organizations face and elaborate on why tailored insurance matters.

3 of the Most Common Claims Against Fraternal Organizations

1. Liquor Liability Claims Against Fraternal Organizations

Liquor […]

January 2nd, 2025|

5 Misconceptions of Fraternal Organization Insurance

“This policy isn’t really necessary for my organization.”

“The insurer doesn’t understand my Lodge’s needs.”

There are plenty of misconceptions about insurance but with the right insurer, your misconceptions and concerns can be put to rest.

Read on to learn about 5 common misconceptions of fraternal organization insurance and how working with Lockton Affinity, the administrator of the Moose Insurance Program, can help protect your organization, its members and more.

5 Misconceptions of Fraternal Organization Insurance

All insurance is basically the same.

It’s a common misconception that all insurance is basically the same. The thought is that “most types of insurance policies work the same way” or that “all policies of a particular kind offer the same basic […]

October 14th, 2024|

Fire Safety Procedures for Moose Lodges

Each October, organizations like the National Fire Protection Association (NFPA), Occupational Safety and Health Administration (OSHA) and others observe Fire Prevention Week and Month by spreading fire safety awareness and helping protect homes, businesses and people. The annual event began in 1911 to commemorate the Great Chicago Fire, a fire that killed approximately 300 people and destroyed over 17,000 structures.

Whether your Lodge partakes in Fire Prevention Week or Month, or works on fire safety procedures year-round, it is important to be aware of fire hazards and have a plan in place. Because as OSHA states, “fire safety becomes everyone’s job”.

Planning Fire Safety Procedures for Moose Lodges

Create an emergency action plan

As an organization, you are obligated to maintain the fire code requirements […]

August 27th, 2024|

Buying, Renewing and Servicing Your Lodge’s Insurance with Lockton Affinity

Whether you’ve had insurance for your Lodge through Lockton Affinity for years or are considering coverage for the first time, we’re here to support you.

Read on to learn about buying insurance for your Lodge and renewing and servicing your Lodge insurance with Lockton Affinity.

Buying Insurance for Your Lodge

With so many insurance options in the marketplace, it can be overwhelming to pick an insurance company to work with and insurance policies to protect your Lodge. It can be beneficial to think about how to select the insurance partner and policies that best fit your needs. Before buying coverage for your Lodge, consider these tips:

Learn about the policies. While insurance may not be the most fun topic to study up on, having basic knowledge of coverage, limits, deductibles and rates can […]

July 3rd, 2024|