Never file a claim made by an employee. Claims that involve work injuries should be sent to the Lodge’s separate workers comp insurance company.

If the Lodge does not have workers comp insurance, they must pay all the expenses because the Self-Insured Master Liability Program WILL NOT cover these claims.

• If the claim involves allegations of discrimination, sexual harassment or wrongful discharge, the claim must be reported to the Lodge’s separate D&O policy. If the Lodge does not have a D&O policy, the Lodge will have to pay all the expenses involved in these claims because the Self-Insured Master Liability Program will not cover these claims either.
• The Self-Insured Master Liability Program will not pay for damages to automobiles, trailers, RV’s, etc. that are parked at the Lodge, regardless of whether they are damaged by vandalism, storms, falling objects or any other causes not directly related to acts of the Lodge. Everyone parks at their own risk, the Lodge is not a guarantor (put up signs).
• The Self-Insured Master Liability Program will not pay for automobiles allegedly damaged by golf balls or any balls used in sports.
• As of April 1, 2011, there is no secondary medical coverage; the Self-Insured Master Liability Program will no longer pay deductibles or co-pays not paid through an individual’s hospital coverage.
• Lodges should avoid sending a relatively blank sheet to Gallagher Bassett. When a Lodge has information that someone has observed an accident, a possible injury or an event that resulted in a possible claim but does not have the name of the potential claimant or any substantial data, the Lodge should insert an incident report in its file and report this matter only when more data is received. If anyone has any concerns about such an incident, they can call the Grand Lodge Insurance Department at 1-773-755-4715.