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The Benevolent and Protective Order of Elks
mandate liability, property and crime insurance under Sections
4.231 and 4.233 of the Statutes of the Order. Subordinate
Lodges are to be insured under the Master Liability Program and
the Property Plus Programs. Boiler & Machinery or Systems
Breakdown is also mandated if a Lodge of the Order secures this
coverage.
Optional insurance coverage for Directors &
Officers Liability and trailers owned by the Lodge are available
under programs designed specifically for you.
Other insurance coverage may be arranged with
Aon, including various bonds, special events coverage and flood
insurance. We recommend every Lodge carry Worker's Compensation
insurance through a local agent.
The mandatory and optional programs are
administered by Aon Risk Services. Aon's toll free number is
1.800.421.3557.
The State Association is included under the
Master Liability Program, but the State Major Project is
excluded and therefore it must be insured separately.
Questions about liability coverage,
administration or service of the program may be directed to
Grand Lodge Insurance Department Director Sheldon Staubitz at
1.773.755.4714.
Claims Reporting
Liability claims for bodily or personal injury or damages to
property of others are to be reported to:
Gallagher Bassett Insurance Services, Inc.
1.800.962.7088
1.800.223.7006 (FAX)
Claims for loss or damage to your property are to be reported
to:
Aon Risk Services
1.800.421.3557
1.312.381.2751 (FAX)
Liability Insurance
The Elks Master Liability Program provides for defense and
payments of claims for bodily or personal injury and property
damage arising from your Lodge operations. This coverage applies
to your owned or leased premises or away from your premises.
Also provided is coverage for liquor liability, products and
lodge liability for a hired or non-owned automobile.
Coverage is not provided for any owned vehicle.
Medical payments are available to members, guests or volunteers.
Coverage is not available to persons injured during an athletic
contest or event, nor does it apply to an employee during the
course of his/her employment. This coverage is provided only on
a secondary basis.
Lodge officers, trustees, employees and volunteers are named
insured under this policy while acting on behalf of the Lodge.
The policy does not provide coverage for:
• Any automobile owned by the Lodge
• Any injury to or claim made by an employee
• Any owned aircraft
• Any owned watercraft except as described in
the Liability Insurance Program Booklet
• Wrongful Acts by officers, trustees or
employees
• Any employment issues
• State Major Projects
A more complete description of this coverage is provided in the
Liability Insurance Program Booklet supplied to each Lodge
Secretary and Accident Prevention Chairman by the Insurance
Department.
Questions regarding Liability Insurance are
directed to:
Sheldon H. Staubitz, Director
Department of Insurance
1.773.755.4714
Property Plus Program
All Lodges of the Order are required to purchase the Property
Plus Program in compliance with Section 4.232 of the Statutes of
The Order. The Program includes coverage for direct
physical loss or damage to real and personal property with the
exception of flood, earthquake and wear and tear. Also
included is coverage for Employee Dishonesty, Forgery and loss
of Money & Securities. This coverage applies to Officers
of the Lodge, making separate bonds unnecessary.
Other coverage provided includes: Loss of Income
and Extra Expense, Accounts Receivable, Valuable Papers, Data
Processing Hardware, Software, Extra Expense, Fine Arts, Signs,
Food Spoilage, Pollution Cleanup, newly acquired property and
property under construction.
The Amounts of Insurance you selected are shown
on the Certificate of Coverage sent to you each year by Aon.
Loss to real and personal property is adjusted on
a replacement cost basis if the property is replaced.
The Amounts of Insurance should be reviewed
annually and discussed with your Customer Service Agent at Aon.
Questions regarding Property Plus should be directed to Aon Risk
Services 1.800.421.3557.
Optional Systems Breakdown (Boiler & Machinery)
Coverage
You may be required to provide certifications to government
agencies for the operation of certain equipment, i.e. steam
boiler, air compressor units, etc. System breakdown coverage can
insure these and all other electrical equipment for internal
loss or damage. Inspection and certificates may be provided to
you.
This coverage is only provided if there is a coverage limit and
deductible amount shown on your certificate. For a quote,
you may contact Aon.
Other Coverage
Directors and Officers Liability
Directors and Officers Liability can be obtained on a voluntary
basis from Aon through a discounted program specifically for the
Elks. D&O coverage provides the Lodge and its Officers and
Directors, Trustees, Employees, Committeemen and Volunteers with
defense and indemnity for their wrongful acts or omissions in
the performance of their duties for the Lodge.
Coverage extends to membership disputes and
claims made by employees for discrimination, wrongful
termination, sexual harassment or other employment matters.
Questions about D&O Liability, or, for an
application, call Aon at 1.800.421.3557.
Bonds
The bonding requirements of Section 16.32 of the Grand Lodge
Statues are met by the Employee Dishonesty coverage of the
PROPERTY PLUS Program.
Bonds for other business requirements are available. Call
Aon at 1.800.421.3557.
Worker's Compensation
State laws require employers to provide their employees with
worker's compensation benefits. The requirements vary by
state. It is strongly recommended that all Lodges purchase
Workers Compensation coverage through a local agent, even if
there are no employees, to provide defense coverage.
Flood
Flood Insurance is an optional coverage and there is no coverage
for flood under the PROPERTY PLUS
Program. Questions about Flood Insurance, or, for an
application, call Aon at 1.800.421.3557. |
