Risk Management Archives - Moose Insurance Program

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|

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|

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|

Implementing a Severe Weather Plan for Moose Lodges

Whatever part of the country your organization is in, severe weather can impact your operations. Consider these statistics on severe weather from the National Oceanic and Atmospheric Administration (NOAA):

About 1,200 tornadoes hit the U.S. each year.
100,000 thunderstorms occur each year in the U.S. and 10% reach severe levels.
Damaging winds are classified as those exceeding 50-60 mph.
In the U.S., floods kill more people each year than tornadoes, hurricanes or lightning.

Because severe weather can happen anywhere throughout the year, it is important to take the time to create a plan for any extreme weather that might come your way. Here are seven steps you can take to help implement a severe weather plan for Moose Lodges.

Building a Severe Weather Plan for Moose Lodges

Preparing for severe weather takes […]

March 29th, 2023|

The Importance of Volunteer Waivers for Lodges

Your organization relies heavily on its members and its volunteers. Whether you’re hosting bingo night, a bake sale, a food drive or other community event, you need volunteers to plan, organize, work and clean up the event for it to be a success.

While aiming for safety and security at your Lodge, your volunteers can still be injured during their duties. To protect your Lodge from assuming liability for the costs associated with volunteer injuries, it is crucial to have all volunteers sign a waiver before their assistance.

The Importance of Getting Signed Volunteer Waivers for Lodges

A volunteer waiver protects your Lodge from liability in the event of an incident involving any of your volunteers.

While you may feel uncomfortable asking long-term volunteers to sign a waiver, Lodges can’t be expected to […]

January 30th, 2023|

Protecting Your Organization from Internal and External Theft

Protecting your organization from internal and external theft is an important risk management tactic to reduce loss and claims.

Theft may rise as inflation and prices rise, and fraternal organizations become a target for thieves hoping to grab cash, food, alcohol and other valuables.

Even in times of economic stability, theft remains a significant risk for fraternal organizations. Follow these tips for protecting your organization from internal and external theft.

Protecting Your Organization from Internal Theft

While you hope the most upstanding citizens are part of your organization, it is always best to err on the side of caution by reducing temptation and implementing policies and procedures.

Select the right employees and volunteers. Conduct reference and background checks on applicants before hiring. Be consistent and make sure that if you screen one candidate […]

December 28th, 2022|

Staying Safe Online: Protecting Your Members from Cyber Risks

Just as your fraternal organization faces cyber liability risks, so do your members.

In fact, the Senate passed the Fraud and Scam Reduction Act in 2021 to create an advisory group to educate consumers about scams, improve industry fraud-prevention training, develop better ways to stop scams before they happen and expand fraud prevention research.

And certain citizens may be impacted more than others. According to The Special Committee on Aging, the total impact of scams and other financial abuses that affect older adults is largely underreported but studies estimate the costs to be in the billions.

To protect your senior members, it’s important to understand your cyber liability risks and know how to protect against them.

Common cyber risks your members may face

While […]

November 11th, 2022|