Fireworks, parades, tractor pulls, silent auctions, carnivals, bake sales—your organization partakes and hosts all kinds of events. But which events are covered by a basic general liability or umbrella policy and which events need a special event policy? Many activities, including fundraising activities, may require a special event policy due to additional exposures associated with [...]
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 [...]
As a fraternal organization operating in today's digitally connected world, your Post faces several cyber liability risks. Typically, most fraternal organizations do not consider themselves at risk for a cyber attack and have failed to take measures to secure their systems and data, making them an even bigger target. To protect your organization, it's important [...]
As your organization changes from year to year, your insurance needs will also change. Whether your Post 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 [...]
Without a strong culture of safety in place at your organization, unsafe conditions can go uncorrected or unnoticed. Volunteers and members may not feel comfortable raising safety-related concerns and the risk of serious injuries may increase. To make your Post safer, it is important to take a proactive approach before incidents occur. With the right [...]
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 Post 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 [...]
It’s hard to make an accurate prediction of the outcome when a liability claim first comes to your attention. Some incidents resolve simply, while others do not. However, for organizations that delay the reporting of a claim to their insurer, the outcome is almost always worse than it otherwise could have been with prompt reporting. [...]
If you have projects scheduled for your organization this year, it’s important to have hand tool safety practices in place when power tools are in operation. Whether you’re building garden beds, volunteering in the community, designing parade floats or fixing things up around the Post, power tools can expose your organization to many potential safety [...]
When someone gets hurt at your organization, workers’ compensation or volunteer accident coverage is often adept at delivering timely coverage. However, in today’s world, a comprehensive approach to your members and volunteers’ health is crucial. There are many reasons members and volunteers may experience depression after an injury, including: Social isolation Challenges performing everyday tasks [...]
A simple “wet floor” safety sign can mean the difference between a normal day at your Post 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 [...]