Insurance & Safety - Phil Morrison - Chair

The INSURANCE AND SAFETY Committee shall preserve and protect the property, assets, and members of our Subordinate Lodges. The Committee participates in four insurance programs; property plus, liability, workers compensation and directors and officer’s coverage. The Committee monitors the accidents and lawsuits against the Lodges, their Officers and members, and assists with safety issues. I am available to assist the Lodges with questions of insurance, claims and safety.

INSURANCE & SAFETY NEWSLETTERS (GL Insurance Department)
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Insurance & Safety Update December 7, 2018

THE GRAND LODGE PROPERTY PLUS PROGRAM
• A Lodge has full benefits from the program only if the coverage is at least 80% of Fair Market Value (FMV) at time of loss. Failure to have this is mismanagement, unless the Lodge members vote for less coverage for reasons that include no plans to rebuild, or to rebuild smaller. Call the broker, Aon at 1-800-421-3557, and ask for a free appraisal. If the Lodge has 80% coverage of FMV, it will be eligible for an additional 50% of coverage for municipal code changes and upgrades. Grand Lodge recommends a deductible, which will result in a 13% reduced premium from your previous year.

CALIFORNIA WORKERS COMPENSATION
• Every Lodge should carry Directors and Officers Insurance, which protects line officers, Secretary, Treasurer, Trustees, and volunteers acting on behalf of the Lodge. It is cheap.
• Any questions, contact your District Insurance and Safety Chairman or the Association Chairman.

GRAND LODGE SAFETY REPORTS
The self-inspection reports should be timely and accurately performed to make the Lodge aware of dangerous conditions and to make immediate corrections. This report is in the Grand Lodge Accident Claim Prevention Manual.

If you have any questions regarding accidents, claims, injuries or safety, please contact me at: Cell: (916) 798-7274 or email. philmorrison632@gmail.com Fraternally,

Phil Morrison, PDD
Insurance and Safety Chair

Committees