Lodge Insurance Archives - Moose Insurance Program

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, included in Directors and Officers 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 […]

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|

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|

Frequently Asked Questions about Lodge Insurance

Whether you have been managing your organization’s insurance for months or years, insurance policies can change, your Lodge may evolve and questions can arise.

Browse some of our recent frequently asked questions about Lodge insurance to stay up-to-date on all things Lodge insurance.

Frequently Asked Questions about Lodge Insurance

To get a clearer understanding of your organization’s insurance, browse these frequently asked questions about Lodge Insurance.

Our organization is a non-profit, why do we pay taxes on the insurance premium?

Unfortunately, the standard non-profit tax exemptions do not apply to insurance transactions. There are no tax exemptions for any insurance policyholders.

How does this policy cover our members?

Members are covered as insureds for the activities that they perform or engage in on behalf of your organization. For example, if a guest is injured and they […]

March 14th, 2023|

How Your Insurance Needs May Change from Year to Year

As your organization changes from year to year, your insurance needs may change. Whether your Lodge participates in new activities, hosts new events or has changes to its membership, Lockton Affinity provides access to a variety of insurance policies that can help safeguard your organization throughout it all.

You begin hosting events with alcohol

When alcohol is served, your organization needs proper insurance to protect against the risks and liability associated with alcohol. Depending on the type of event, whether your organization is hosting or renting out its buildings, you will need different insurance coverage.

The Lockton Affinity difference: Lockton Affinity understands the risks associated with serving alcohol. We offer Liquor Liability insurance for organizations that sell or serve alcohol to help cover legal expenses for claims like serving alcohol to a […]

September 7th, 2022|

Liquor Liability vs. Host Liquor Liability vs. Special Event Coverage

When alcohol is served, your organization needs proper insurance to protect against the risks and liability associated with alcohol. Depending on the type of event, whether your Lodge is hosting or renting its buildings, you will need different insurance coverage.

Read on to understand the differences between liquor liability insurance, host liquor liability insurance and special event coverage.

Understanding Liquor Liability insurance

Liquor liability insurance is coverage for organizations that sell or serve alcohol. These policies provide coverage for legal expenses, which include things like defense costs, settlements, judgments or damages when an intoxicated person sustains an injury or causes property damage.

Common liquor liability claims can include:

Serving alcohol to a minor
Overserving a patron
Bodily injury, death or property damage caused by a patron that was served at your organization

Understanding Host […]

July 7th, 2022|