1. Grand Lodge Free & Accepted Masons of Wisconsin Property and Casualty Insurance Review
Presented to:
Grand Lodge Free & Accepted Masons of Wisconsin
Presented by: Jesse Furrer-CIC CRM
Spectrum Insurance Group
(715) Ext. 5061

2. Elements of Coverage Within The Grand Lodge Insurance Program
General Liability
Automobile (Hired and Non-Owned Liability)
Umbrella ($10,000,000)
Crime: Employee Theft; Monies and Securities; Forgery or Alteration
Property
Directors and Officers Liability
Workers Compensation

3. How Has The Grand Lodge Insurance Program Performed?
Insurance Contract
2012
2013
2014
2015
2016
General Liability
$24,349
4 Claims
$10,000
1 Claim
$1,266 $0
Automobile
Property
$30,335
5 Claims
$170,695
8 Claims
$91,240
6 Claims
$203,925
10 Claims
$8,386
Directors and Officers
$2,625
Total
$54,684
$183,320
$92,506
To Date

4. Is My Lodge Insured To Value?
Contact Spectrum Insurance Group For Insured Values.
Replacement Cost vs. Actual Cash Value
Blanket Insurance Limits: $100,000,000-Buildings
Why does our lodge need to insure to value if we are protected with blanket limits?
What does property insurance cost our lodge each year? (Approximately $.16 per $100 of property value. i.e. $160 for every $100,000 of value insured)
Does our insurance coverage carry a deductible? ($1,000)

5. What Can Lodges Do To Keep The Grand Lodge Insurance Program Strong?
Continue to contact Spectrum Insurance Group prior to lodge activities involving special events.
Inspect lodge buildings regularly for general maintenance issues BEFORE a more costly claim occurs. (Roofs; Furnaces; Hot Water Heaters; Gutter Clogs)
Report any potential claim activity timely to Spectrum Insurance Group.
Insure buildings and contents to appropriate replacement cost value as best as possible.

6. Slips, Trips and Falls
Slips, trips, and falls make up 80% of our general liability claims from lodges.
Many different hazards: parking lots, entrances, stairways, slippery floors

7. Parking Lot Tips
Parking lots should be well-maintained and free from large holes, cracks, and divots
Perform all necessary maintenance to keep parking lots as free from snow, water, and ice as possible by shoveling, salting, and sanding
Use logs to keep track of how often maintenance is performed, what was done, and who performed it

8. Indoor Hazards Entrances are highly trafficked areas
Monitor entrances for wet floors and use rugs as needed
Entrances should be accessible for walkers and wheelchairs

9. Indoor Hazards Routinely monitor stairways for slippery conditions
Check floors for spilled drinks or other hazards

10. Volunteer Safety
Many members volunteer their time to help out around the lodge
Volunteers need to follow the same safety procedures as employees
Areas and exits that are for lodge members only need to be clearly marked

11. Questions and Open Discussion
Grand Lodge Free & Accepted Masons of Wisconsin Property and Casualty Insurance Review
Questions and Open Discussion