Accident Prevention

When there is to be construction at a Lodge, management must be aware of possible problems. This applies to repairs, partial construction and total renovation.

• In every case, those doing the work should indemnify the Lodge from any claims arising out of the work, except in the case of the sole negligence of the Lodge. The party doing the work must name the Lodge as additional insured under its general liability policy (this should be done, even if the contractor is a member).

• Make sure that work is guaranteed to protect the Lodge.

• The Lodge should never take on the role of general contractor. If the Lodge takes on this duty, it creates possible obligations and duties the Lodge is neither capable to perform or properly covered for by the Master Liability Program. Lodges should not be misled by potential subcontractors or others providing bad advice in this regard.

• If the Lodge is constructing a new building, putting on an addition, or making a substantial renovation, the Lodge must contact Aon Risk Services to make sure that property coverage is obtained. A new building requires builder’s risk coverage, so a Lodge should contact Aon Risk Services before construction begins. Always consider full or partial sprinkler installation if the Lodge has sufficient water pressure.

Repair Work At Lodges

Issues to be addressed when there are repairs or construction at a Lodge:

Every contractor must provide proof (an insurance certificate) that the contractor has liability insurance;

Every contractor must prepare a written contract that will indemnify the Lodge from any claims arising out of the work;

Projects involving extensive repairs and renovation require that the contractor name the Lodge as additional insured under its general liability policy;

The Lodge should never take on the role of general contractor;

Volunteers should not be performing repairs;

No one from the Lodge should act as a construction manager/coordinator;

Any Member that is a contractor must also have proof of insurance and prepare a written contract; and

When constructing a new building, putting on an addition, or making substantial renovations, the Lodge must contact Aon Affinity Services at 1-800-421-3557 to make sure proper insurance coverage is obtained.