Blog - Page 4 of 7 - Moose Insurance Program

Fireworks Safety and Liability

Summer fireworks events are a lot of fun but can be dangerous. The potential for injury is high, and organizations like your Lodge can face liability if a member, guest or volunteer is injured, or if property is damaged. Before you decide to include fireworks at your next event, make sure you’re prepared to have a safe, properly permitted and insured event.

What You Should Know About Fireworks Events

Fireworks events are a common sight every summer. Fourth of July celebrations, picnics, festivals, weddings and other outdoor events can all feature fireworks displays or shows. Some organizations also host fireworks sales as a fundraising activity. Many of these events go off successfully and a happy crowd goes home without injuries or damages.

However, fireworks events do present […]

May 21st, 2021|

Top 10 Safety Risks of Outdoor Events

As the weather gets nicer, many Lodges will plan outdoor events for members and guests. Everyone enjoys spending time outside, participating in a parade, having a picnic or just enjoying the great outdoors. But for event attendees to enjoy a safe outing, organizers need to spend some time thinking about what might go wrong.

Every event faces safety risks and outdoor events are no different. Here are the top 10 safety risks of outdoor events to prepare for before your next event.

Top 10 Safety Risks of Outdoor Events

1. Food Safety

Most outdoor events don’t feel complete without a picnic, but food safety should be top of mind. Keep hot foods hot and cold foods cold. Separate uncooked meat from other food and cook thoroughly to recommended temperatures. Keep dishes out of […]

April 23rd, 2021|

Common Pest Infestations and Prevention

Unwanted pests are a common problem for facilities, where insects, rodents and other small animals seek easy access to food, water and shelter. With warmer weather returning, pests may become a problem at the Lodge.

These pests can be a problem for your Lodge in more ways than one. Some pests carry diseases which can cause illness to members, guests and volunteers. Others can cause significant property damage to your building. To reduce the risk to your Lodge, make sure you are up to speed on common pest infestations and prevention.

Common Pest Infestations and Prevention

Stinging Insects

Stinging insects can sting you, your members, guests and volunteers. Some people are allergic to these stings, resulting in medical emergencies, so it’s best to keep these pests away from […]

March 25th, 2021|

Dram Shop Laws Your Lodge Needs to Know

If your Lodge hosts events where alcohol is served, you may face risks that other organizations don’t have to think about through dram shop laws. In some cases, you can be sued for the damages caused by an event attendee who’s had too much to drink.

To protect your Lodge, it’s important to know what liquor liability laws apply. However, compliance can be tricky because the law varies quite a bit from state to state. Read on for an overview of the state liquor liability laws, also known as dram shop laws.

What to Know About Liquor Liability and Dram Shop Laws

Alcohol-related injuries and deaths remain all too common, with more than 10,000 lives lost each year. States have enacted laws to combat the problem, allowing victims […]

February 25th, 2021|

Your Top 5 Insurance Questions Answered

Insurance can be a confusing topic. Unlike other purchases you make for the Lodge, no instruction manual comes in the box. This can make it hard to know how to use your new insurance, when to make changes and what options you have at renewal.

Our customer service team loves hearing from our clients and answering your questions. Some of the most common questions we hear can be answered right here, without clients having to pick up the phone.

Here are your top 5 most frequently asked questions about Lodge insurance with our answers.

Q: Do we need a certificate to be covered for all events?

Answer: No, your Lodge coverage from Lockton Affinity automatically extends to your activities and special events on and off premises.

When you […]

January 19th, 2021|

3 Common Liquor Liability Claims and How to Prevent Them

Every claim is unique, but some kinds of claims come up more often than others. That’s the case with many liquor liability claims, which tend to fall into 3 main categories. If your Lodge hosts events where alcohol is served, you face a higher risk for these liquor liability claims.

Here’s what your Lodge should know about the 3 common liquor liability claims and the steps you can take to prevent them.

3 Common Liquor Liability Claims: #1 Alcohol Served to a Minor

It’s prohibited by law to serve or sell alcohol to a minor under the minimum legal drinking age of 21. Even so, underage drinking is still common. According to a 2019 report from the Department of Health and Human Services, around 20% of those under 21 report consuming alcohol.

For […]

December 28th, 2020|

Your Guide to Working with Vendors

Working with vendors can be extremely beneficial to your Lodge. Specialized vendors that handle your Lodge’s food and beverage, alcohol, cleaning or technical needs can be a big help, boosting efficiency while saving on costs.

But working with vendors also presents some challenges. Partnering with a vendor can expose your Lodge to added risk, so it’s important to minimize the chance of potential problems.

The right level of insurance protection helps protect both you and your vendors, making sure you both are covered in the event of a claim. Here’s your guide to working with vendors and how to check your insurance coverages for a successful partnership.

What to Look for in a Vendor

Always work with vendors that are properly insured. Expertise, recommendations and performance are important but claims can happen even […]

November 25th, 2020|

How to Handle Complaints at the Lodge

Things often get busy at the Lodge, making it easy to overlook when a member, volunteer or guest brings up a complaint. Mistakes and misunderstandings happen every day, even when your Lodge is led by passionate, hard-working people.

While we all would like to minimize our mistakes, how you handle these difficulties is often more important.

A complaint represents a risk to your organization. Complaints that are brushed off or handled poorly can result in an unnecessary claim being made, which can cause stress, endanger budgets and lead to negative publicity.

It’s important for you to be aware of the kinds of complaints you may face and understand the best practices for managing a complaint. Here’s what to know, plus 4 tips to handle complaints at the Lodge.

Lodge Complaint Scenarios

Your organization is […]

November 4th, 2020|

How to Screen Volunteers: 8 Tips to Follow When Looking for Volunteers

Volunteers help contribute the skills, manpower and enthusiasm your organization needs to succeed without breaking the bank. But bringing new volunteers into your Lodge also presents risk, and that’s why all Lodges need to screen volunteers.

We would all like the believe volunteers get involved in causes and organizations for the right reasons, but this isn’t always the case. Poor decision-making, dishonesty and criminal misdeeds by your volunteers can seriously impact your organization. Your Lodge could be a victim of crime, suffer public relations issues or be held liable for a volunteer’s actions.

Here are 8 tips to follow when looking for volunteers for the Lodge. Follow these guidelines on how to properly screen volunteers to reduce your risk so you can focus on your mission.

Create an application process—Having a […]

September 30th, 2020|

3 Common Fraternal Claims You Should Avoid

Every insurance claim is different, but some common fraternal claims come up more often than others. For Lodges, general liability claims, property damage claims and liquor liability claims come up over and over. Your Lodge is at a higher risk from these common claims, which is why it’s important to make sure you’re fully covered and take the right steps to minimize your chance of a claim.

General Liability Claims

General liability claims are common fraternal claims that can happen when you least expect it. General liability claims often involve accidents, injuries or damages to the property of third parties.

Such as when someone at the Lodge :

Has a slip-and-fall injury due to a wet floor
Ends up with car damage in the parking lot from a storm
Becomes ill from […]

September 1st, 2020|