These common claims can greatly impact your operations, so it is important to be prepared. Read on to learn about common claim examples and how you can prevent them at your organization.

Common Insurance Claims at Fraternal Organizations

The most common claims councils face are due to third-party injuries resulting in general liability claims. These claims can be extremely broad, but fall into the categories of bodily injury, personal injury and personal property damage. While the specifics of general liability claims will vary, every organization faces the risks of these types of claims.

Consider these real-life claims and how a similar situation would impact your organization:

• A pedestrian was walking at a council event and tripped and fell, leading to an $85,000 claim.
• The claimant was exiting a council event when she tripped, breaking her ankle and requiring extensive surgery. Claim costs were over $100,000.
• A member was bringing food in for an event, and she slipped and fell, causing a $1,000,000 claim.
• A member was dancing at an organization function when she tripped over a band’s speaker, resulting in knee surgery and claim costs of more than $80,000.

How to Prevent Common Insurance Claims Councils Face

While every claim is not preventable, there are basic measures your organization can take to reduce the odds of a claim.

To prevent slip, trip and fall incidents, clear walkways and floors from hazards, clean spilled liquids immediately and place signage around uneven surfaces. If you do experience an incident that could lead to a claim, remember to always report them in a timely manner.

By choosing Lockton Affinity for your organization’s insurance needs, you have access to the insurance coverage needed to protect against these common insurance claims and more.

Get started today by contacting one of our dedicated insurance representatives at (800) 496-0288.