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
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General Liability
Automobile (Hired and Non-Owned Liability)
Umbrella
Crime: Employee Theft; Monies and Securities;
Forgery or Alteration
Property (Voluntary)
Directors and Officers Liability (Voluntary)
Workers Compensation
Who Participates In The Grand
Lodge Insurance Program?
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All constituent “Blue” lodges participate
in the Liability portion of The Grand
Lodge Program.
Participation in the Property and
Directors and Officers Insurance portions
of the program is voluntary on behalf of
the constituent lodge.
What is the overall condition of the
Commercial Insurance Marketplace?
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Stable but gently hardening with increased rates
Increased medical expenses (medical inflation)
Hurricane Sandy (reinsurance issues)
Economic uncertainty (can lead to increased claim
activity)
Insurance carriers paying the price for chasing
soft market conditions over the past 10 years
How has The Grand Lodge
Insurance Program Performed?
2010
Insurance Contract
2011
2012
General
Liability
Automobile
$2,968
1 Claim
$0
$20,023
2 Claims
$0
$0
$0
Property
$137,915
12 Claims
$25,551
5 Claims
$30,537
3 Claims
Total
$140,883
$25,551
$50,560
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.
Insure buildings and contents to appropriate replacement
cost value as best as possible.
West Bend will be conducting inspections at high-value
building locations. Please facilitate these inspections.
Report any potential claim activity timely to Spectrum
Insurance Group.
How Do I Know If Our Lodge
Should File A Claim Report?
3 Coverage Triggers For A General Liability Claim:
• Third Party
• Bodily Injury or Property Damage
• Negligence
Property Insurance Deductible
• $1,000
Claim Example #1
Lodge noticed there was water leaking through the ceiling
tiles from an above floor heating system.
Repair cost: $3,613
Damage to the ceiling tiles and related water damage was covered
under the property insurance contract..
Claim Example #2
A water pipe burst causing damage to the lodge walls,
flooring and building contents.
Repair Cost: $6,483
Damage to the lodge building was covered under the property
insurance contract to include water remediation expenses.
Claim Example #3
Hail damage to the roof, siding, and air conditioning
systems of a lodge building.
Repair cost: $36,554
Damage to the building and air conditioning system was covered under
the property insurance contract..
Claim Example #4
A duplex adjacent to a lodge building caught fire. Heat caused
damage to PVC pipe and drain tile on the lodge building.
Repair Cost: Approx. $900
Damage to the PVC and drain tile underneath the $1,000 deductible.
No reimbursement made.
Claim Example #5
Lodge building noticed its roof and beam structure was
sagging. Could cause major collapse under the weight of
heavy ice and snow.
Repair Cost: ??
West Bend hired an independent architectural firm to examine the
integrity of the structural design of the roof. The design was
determined to be the cause of the roof sagging rather than exposure to
weight of ice and snow. This claim was denied.
Claim Example #6
A visitor at a lodge function tripped and fell down the
lodge stairs. There was no apparent safety concern with
steps or the railing.
$10,000 of this claim was paid through the Medical Expense limit on the
General Liability policy.
Claim Example #7
A lodge was rented to a third party for a wedding
reception. Water was leaking on the lodge floor from an
ice tub supplied by the third party. Several children were
playing and running through the area and one slipped and
cut his head, requiring stitches.
Medical bill: $2,968
This claim was paid under the Medical Expense limit on the General
Liability policy.
Claim Example #8
Heavy winds blew a large tree limb onto the roof of a home
adjacent to the lodge property. The tree was physically on
the lodge property.
There was no negligence on behalf of the lodge and therefore the
damage to the roof fell back to the homeowners insurance contract.
Grand Lodge Free & Accepted Masons of Wisconsin
Property and Casualty Insurance Review
Questions and Open
Discussion