The two major insurance programs created by the Statutes of the Order are now essentially self-insured.

The Liability program has a one million dollar self-assumption for each occurrence; the Property Plus Program has a $750,000 self-assumption for each loss. If these programs are to continue to benefit the Order, a team effort must be made to avoid losses.

Every loss is the individual member’s loss; therefore, Lodge management must think safety. In the property area, these policies can’t be viewed as a means for maintenance.
•    Do not think about how to file a claim but how to avoid a claim.
•    How can I make sure the Lodge will never serve a person approaching intoxication?
•    How will we make sure there is no hazard on which a person can fall?
•    To keep the great benefits these programs provide, all must think “safety first.”