Lodge Tips Archives - 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|

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|

Lodge Member Wellness — Helping Your Members Mentally, Physically and Emotionally

While it’s no secret that Lodges help members make lasting connections and feel part of the community, your organization can likely do even more to help Lodge member wellness mentally, physically and emotionally.

Read on for specific events and ideas your organization can implement to help Lodge members’ mental, physical and emotional health.

Lodge Member Wellness — Mental and Emotional Support

Since the COVID-19 pandemic, rates of anxiety and depression among older adults have increased significantly. These increases are exacerbated due to the lack of Medicare providers and needed services.

While older Americans have traditionally had lower rates of depression and anxiety than younger citizens, there are many events that can impact the mental and emotional well-being of your members, including:

Healthcare costs
Widowhood
Chronic illnesses and diagnoses

[…]

January 5th, 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|

Improving Safety Signage for Lodges

A simple “wet floor” safety sign can mean the difference between a normal day at your Lodge and a trip to the emergency room.

While the primary purpose of safety signage is keeping people safe, there are other benefits, too:

Reducing accidents
Promoting a culture of safety
Minimizing legal risks

Facilities that have clear and consistent safety signage see a reduction in accidents and injuries. They also minimize their risk of legal action should an accident occur.

Read on to learn about the signs your organization should have in place and how to make improvements to your existing signs.

Types of Safety Signage for Lodges

There are three primary categories of safety signage:

Danger signs—These red signs with white lettering warn about the most serious risks of bodily injury or death, such as high […]

March 11th, 2022|

Spring Cleaning Tips for Lodges

It’s hard to believe, but spring is just around the corner. It’s the perfect time to begin thinking about seasonal maintenance and spring cleaning before hotter weather arrives.

Being proactive and keeping your Lodge facilities in good condition is smart. It not only benefits the longevity of your Lodge property, it also improves safety for employees, members and visitors to the Lodge.

Here’s a list of seasonal maintenance and spring cleaning tips for Lodges to get you started.

Spring Cleaning Tips for Lodges:

Start with the entrances. Clean and vacuum entrance mats to remove soil, salt, dirt and grime, and replace any damaged mats that might create a trip hazard.
Sweep and mop hard surface floors, then vacuum or steam clean interior carpets.
Give the bathrooms and […]

February 8th, 2022|

Snow Shoveling Safety Tips

Like everyone, many Lodges spend the winter digging out from snow storms. Shoveling snow can provide an opportunity for exercise, help out less-able community members, and build camaraderie among the members. All the same, snow removal can also be risky for members, volunteers and your organization.

Shoveling snow yourself can pose health risks and hiring snow removers comes with added risks to your Lodge. The next time it snows, make sure to follow these snow shoveling safety tips to minimize your risk of a claim.

Snow Shoveling Risks

It’s important to remember that snow is heavy — a fact that’s easy to forget after a nice long summer. Just one inch of snow weighs between 0.3 to 4.8 pounds per square foot, depending on how wet and […]

January 4th, 2022|

Holiday Decorating Safety Tips

With the holiday season in full swing, many Lodges are ready to decorate. Help make sure your holidays are jolly and bright by remembering these holiday decorating safety tips. Whether your Lodge decorates a small Charlie Brown tree or goes full Chevy Chase, keep your Lodge’s property and members safe with these tips:

Indoor Holiday Decorating Safety Tips

Remember when shopping for live trees that it’s important to check for freshness, as a fresh tree will last longer and be less of a fire hazard.
Know how to choose a fresh tree. Look for green color, needles that are hard to pluck and bend instead of break, and trunks with sticky resin at the base.
Test a tree for a freshness with a gentle shake or tap. A fresh tree […]

December 6th, 2021|