Insure My Lodge

Lodge Insurance Coverage

Lodge insurance coverage is built specifically for fraternal lodges and similar organizations that operate buildings, host meetings, and serve the public. These policies go beyond basic business insurance by addressing the real risks lodges face, including member activities, public events, and long-term property ownership.

Proper lodge coverage helps protect the organization, its officers, and its members from unexpected losses. From day-to-day operations to special functions, this coverage is designed to keep the lodge financially secure while allowing leadership to focus on service and fellowship.

General Liability Insurance

General liability insurance protects the lodge against claims involving bodily injury, property damage, and personal injury that occur on lodge premises or during lodge-related activities. Slip and fall incidents, visitor injuries, and accidental damage to another person’s property are common examples.

This coverage is essential for lodges that host meetings, dinners, rentals, or community events. It provides financial protection against lawsuits, medical costs, and legal expenses that could otherwise strain lodge finances.

Property Insurance

Property insurance covers the physical lodge building and its contents, including furniture, equipment, regalia, records, and fixtures. Coverage applies to losses caused by fire, storms, vandalism, and other covered events.

Many lodges own historic buildings that would be costly to repair or replace. Property insurance helps ensure the lodge can recover quickly after damage, preserving both the structure and the legacy it represents.

Bonds and Officer Protection

Bonds and officer protection safeguard the lodge against financial losses caused by dishonest acts, errors, or mismanagement by officers or those handling funds. This includes coverage for theft, fraud, or misuse of lodge money.

Officer protection also helps shield leadership from personal financial exposure when acting in good faith on behalf of the lodge. These coverages encourage responsible leadership while protecting both the lodge and its officers.

Event and Special Activity Coverage

Event and special activity coverage provides protection for fundraisers, dinners, festivals, rentals, and other lodge-sponsored events. These activities often involve increased risk due to larger crowds and temporary setups.

This coverage helps protect the lodge from liability claims arising from injuries or accidents during special events. It ensures the lodge can host community activities with confidence and proper protection in place.

Financial and Money Coverage

Financial and money coverage protects lodge funds against loss due to theft, robbery, or other covered causes. This includes money kept on site, in transit, or temporarily stored for lodge operations.

Lodges that collect dues, donations, or event proceeds face unique financial risks. Money coverage helps safeguard these funds and ensures the lodge remains financially stable if a loss occurs.

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