Grand Lodge Free Accepted Masons of Wisconsin Property

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Grand Lodge Free & Accepted Masons of Wisconsin Property and Casualty Insurance Review Presented

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) 355 -4900 Ext. 5061

Elements of Coverage Within The Grand Lodge Insurance Program n n n n General

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

How Has The Grand Lodge Insurance Program Performed? 2012 2013 General Liability $24, 349

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

Is My Lodge Insured To Value? • Contact Spectrum Insurance Group For Insured Values.

Is My Lodge Insured To Value? • Contact Spectrum Insurance Group For Insured Values. • Replacement Cost vs. Actual Cash Value • Blanket Insurance Limits: $100, 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)

What Can Lodges Do To Keep The Grand Lodge Insurance Program Strong? §Continue to

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.

Slips, Trips and Falls n n Slips, trips, and falls make up 80% of

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

Parking Lot Tips n n n Parking lots should be well-maintained and free from

Parking Lot Tips n n n 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

Indoor Hazards n n n Entrances are highly trafficked areas Monitor entrances for wet

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

Indoor Hazards n n Routinely monitor stairways for slippery conditions Check floors for spilled

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

Volunteer Safety n n n Many members volunteer their time to help out around

Volunteer Safety n n n 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

Grand Lodge Free & Accepted Masons of Wisconsin Property and Casualty Insurance Review Questions

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