As a repeated thought, no Lodge should ever own an automotive unit.

• There is no coverage of any sort under the Self-Insured Master Liability program.
• The Lodge would have to buy local insurance, which is expensive. The Lodge would probably not be able to get more than one million dollars in coverage and possibly considerably less than that. If a Lodge were to have any type of catastrophic loss, especially involving buses, the low limits of coverage could result in a judgment that would take all the assets of the Lodge.
• There is no logical business or efficiency reason that any Lodge should own any vehicles licensed for road use.