Hall Rental Coverage
When renting your hall, fraternal property, or facilities and any type of alcohol is being sold, served, given away, or consumed during such rental, you are REQUIRED to purchase Hall Rental Coverage. Failure to follow these requirements will result in there being no insurance coverage for you and any claims arising out of the rental.
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| Can we rent our facilities to non-members? |
| NO. The General Laws prohibit renting to non-members without an approved dispensation from the General Governor. |
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| Do these requirements apply if there is no alcohol being served? |
| NO. These requirements only apply if alcohol is being served, sold, given away, or consumed at the event during the rental period. |
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| Do we need Liquor Liability coverage if we only sell, give away, or consume beer and/or wine? |
| YES. For the purpose of insurance, liquor is considered to be ANY beverage that contains any amount of alcohol. |
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| Our facilities are used by the Moose Legion, WOTM Chapter, or Moose Association at times. Do the requirements apply to these functions? |
| NO. These requirements do not apply to Fraternal Units renting or utilizing your property if the property is being used for a strictly Moose function or Moose Sponsored Event. |
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| Can a person's homeowner's insurance policy be used instead of purchasing Hall Rental Insurance? |
| NO. Homeowner's insurance does not contain Liquor Liability/Dram Shop Coverage and will not provide coverage for the Lodge or Moose International, Inc. Homeowner's insurance only covers Host Liquor Liability for alcohol served in one's home to one's guests. |
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| Can we, the Lodge, obtain the needed insurance on behalf of the person or party to whom we are renting our property? |
| YES. This is the preferred method of obtaining coverage. If you wish to place the insurance coverage on behalf of the person or party renting your hall or property and roll the cost of the insurance into your rental fee, you may do so. |
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| Should we report an incident/injury even if the insured person says they have insurance? |
| YES. Even if the other insurance pays for the medical bills related to the injury, they may contact us at a later time to recover their money. The extent of a person's injuries may not become apparent until a later time. We need to investigate the incident when the facts are fresh. This provides the best opportunity to protect the Lodge's interest. |
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| Should we report an incident/injury if we feel the Lodge was NOT responsible? |
| YES. Regardless of fault, the incident should be reported. Again, timely reporting allows us the best opportunity to protect the Lodge's interests. |
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| Is reporting incidents optional? Can/should we pay the medical bills of a person injured on our property instead of reporting the injury? |
| NO. Any incident involving any injury that does or may involve medical expenses, should be reported as soon as possible. |
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| Who should we contact if we still have questions about these requirements/procedures? |
| Please contact the Risk Management Department at 1-630-859-6615. |
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