Fireworks, parades, tractor pulls, silent auctions, carnivals, bake sales—your organization partakes and hosts all kinds of events. But which events are covered by a basic general liability policy and which events need a special event policy? Many activities, including fundraising activities, may require a special event policy due to additional exposures associated with the event. [...]
As your organization changes from year to year, your insurance needs may change. Whether your Council participates in new activities, hosts new events or has changes to its membership, Lockton Affinity provides access to a variety of insurance policies that can help safeguard your organization throughout it all. You begin hosting events with alcohol When [...]
Without a strong culture of safety in place at your organization, unsafe conditions can go uncorrected or unnoticed. Volunteers and members may not feel comfortable raising safety-related concerns and the risk of serious injuries may increase. To make your Council safer, it is important to take a proactive approach before incidents occur. With the right [...]
It’s hard to make an accurate prediction of the outcome when a liability claim first comes to your attention. Some incidents resolve simply, while others do not. However, for organizations that delay the reporting of a claim to their insurer, the outcome is almost always worse than it otherwise could have been with prompt reporting. [...]
If you have projects scheduled for your organization this year, it’s important to have hand tool safety practices in place when power tools are in operation. Whether you’re building garden beds, volunteering in the community or designing parade floats, power tools can expose your organization to many potential safety hazards. Make sure your organization's leaders [...]
Alcohol is an important part of many celebrations, but it can also contribute to accidents, injuries and death. The potential liability for damages resulting from the consumption of alcohol has expanded over time to include the entities serving alcohol. If your council hosts an event at which beer, wine or spirits are served, you could [...]
One of the things that can make shopping for insurance for local councils so hard is not knowing what to expect. You hope that whatever company you choose will be easy to work with and offer the tailored coverage that you need, but it’s not always guaranteed. At Lockton Affinity, we aim to provide you [...]
"Don't put all your eggs in one basket" is a very old saying and, in many ways, it's still the basis for the modern insurance that helps protect your Council. Insurance began with people seeking to control the dangers they faced by spreading out the risk among larger groups of people and making agreements to [...]
There's a lot to think about when you're planning a council event. In the past, things used to be simple. Just print up a flyer and wait for everyone to show up. But these days, even a small event takes more planning to pull off. Even before the pandemic, it was becoming increasingly important to [...]
As the weather gets nicer, many councils will plan outdoor events for members and guests. Everyone enjoys spending time outside, participating in a parade, having a picnic or just enjoying the great outdoors. But for event attendees to enjoy a safe outing, organizers need to spend some time thinking about what might go wrong. Every [...]