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 [...]
Working with vendors can be extremely beneficial to your council. Specialized vendors that handle your council's food and beverage, alcohol, cleaning or technical needs can be a big help, boosting efficiency while saving on costs. But working with vendors also presents some challenges. Partnering with a vendor can expose your council to added risk, so [...]
Things often get busy at the Council, making it easy to overlook when a member, volunteer or guest brings up a complaint. Mistakes and misunderstandings happen every day, even when your Council is led by passionate, hard-working people. While we all would like to minimize our mistakes, how you handle these difficulties is often more [...]
Every insurance claim is different, but some common fraternal claims come up more often than others. For local councils, general liability claims, property damage claims and liquor liability claims come up over and over. Your local council is at a higher risk from these common claims, which is why it's important to make sure you're [...]