“Don’t put all your eggs in one basket” is a very old saying and, in many ways, it’s still the basis for the modern insurance that helps protect your Lodge. Insurance began with people seeking to control the dangers they faced by spreading out the risk among larger groups of people and making agreements to help one another in the case of a loss.

It’s an interesting story how this practice got its start and how it led to the products and services today that help Lodges protect their organizations. Here’s a brief history of insurance.

Ancient Insurance

The problems that insurance is designed to address have been around for a really long time. Seafaring in the ancient world was a notoriously dangerous task for traders, from Ancient Babylon all the way […]

Everyone is ready to get back to normal, and many places already have resumed regular activities. But with the downtime and changes that have happened over the past year, some organizations need to review and update their procedures. If your Lodge is one of them, these action items may help you take care of the safety of members, guests and volunteers.

This guide to safely opening your organization focuses on 3 areas that may need your attention: people, policies and procedures.

Safely Opening Your Organization: People

Your employees, volunteers and members are what make your Lodge what it is. But some of them may have had their own changes over the last year. Some of them may also be feeling unfamiliar with how you do things because they’re new, or simply because […]

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 […]
  

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 […]

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 […]

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 […]