(Can Include Volunteer Coverage)
You may have already received or will receive a communication from Lockton Risk Services offering participation in a voluntary Workers Comp program. This program provides individually written policies that offer the following benefits: 

• This program can provide rates on a lower level by using the “clubs not otherwise classified” rate, which is lower than the rates usually applied.
• There are no surcharges made under assigned risk plans or for small groups.
• Most importantly, coverage can be obtained for volunteers in most states if the Lodge chooses to do so.

Offering volunteer coverage may help those Lodges that were concerned by the fact that secondary medical payments were eliminated under the Master Liability Program. It is recommended that all eligible Lodges obtain a quote to see if they would benefit from this voluntary program. Please contact Lockton Risk Services at: 1-877-735-6349 with any questions. Do not call the Elks Insurance Department or Aon Affinity Services