Florida Fraternal Organization Insurance

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Frequently Asked Questions About
Commercial General Liability Insurance

How much does commercial insurance cost?

Costs can vary widely based on industry and are also determined by zip code and often payroll and/or gross sales. Request a free quote to get an exact number.

What kind of business insurance do I need?

Most business owners need General Liability Insurance at the very least. If you have any non-owner employees, you will need workers compensation insurance too.

What is a Certificate of Insurance?

A Certificate of Insurance is proof of coverage. It lists the type and amount of liability coverage you have and other policy information when a third party requests it.

Is business insurance tax deductible?

Yes. you can deduct the cost of commercial insurance premiums. The IRS considers insurance a cost of doing business as long it benefits the business & serves a business purpose.

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Florida Fraternal Organization Insurance

FL Fraternal Organization Insurance

Florida Fraternal Organization Insurance. Are you the head member of a Knights of Columbus, an American Legion, a VFW, a Moose Club, or any other type of FL Fraternal Order? If so, there's no doubt that you want to do your best to ensure that the members of your club are enjoying as many benefits as possible.

While it may be hard to think about something bad happening, there is a chance that something could go awry at a meeting or on the property of your Fraternal Order and someone could file a lawsuit against you.

Fraternal orders are comprised of groups of people with related interests or goals who form an organization to pursue those interests or goals. Fraternal orders may be formed for the pursuit of pleasure, to perform a public service, to educate the public and provide funding for medical or scientific research, or to inform and advance a particular charity, philosophy, religion, trade, political, or social issue.

Some have snack bars or full-service restaurants that may be open to the public. Alcoholic beverages may be served at social events. Fraternal orders may be funded solely by membership dues or financed with fundraisers and donations.

In order to protect yourself, your organization, and anyone who is involved with your group, it's extremely important that you invest in the right type of Florida Fraternal Organization insurance coverage.

Florida Fraternal Organization insurance protects your order from lawsuits with rates as low as $37/mo. Get a fast quote and your certificate of insurance now.

Why Do Fraternal Orders Need Commercial Insurance Coverage?

FL Fraternal Orders can face any number of mishaps. Someone could slip and fall at a meeting, a member of your group could file a lawsuit against you claiming that you misrepresented the club, a member of your group could embezzle funds; these are just some of the issues that may arise.

Given the fact that we live in a very litigious society, having the proper insurance coverage in place is absolutely essential for a Fraternal Order. Insurance coverage will protect you from the risks that are associated with your club; for example, if a member trips and falls over a wire that wasn't highlighted, sustains an injury, and files a lawsuit against your organization, you could be held liable for the damages, including medical care and any compensation that a court might deem you responsible to pay.

Without Florida Fraternal Organization insurance, a situation like this could put your organization in serious financial peril; however, if you have the right coverage, your insurance provider will help to cover the costs that are associated with this type of situation - and any other number of risks.

What Type Of Insurance Should Fraternal Service Organizations Have?

There are several types of Florida Fraternal Organization insurance policies that Orders should have in place to properly protect their organizations. Some of the most basic forms of insurance coverage that are highly recommended include:

  • General Liability - This type of insurance helps to pay for the cost of medical expenses, as well as legal fees that are related to injuries and property damage that a Fraternal Order may be liable for. For instance, if a piece of equipment malfunctions during a meeting and injuries someone, general liability insurance would help to pay for any medical care that the individual may require. If that person files a lawsuit against you, your policy will also pay for your legal fees.
  • Property Insurance - In the event that the building your organization operates out of is damaged, a property insurance policy will help to cover the cost of repairs. For instance, if a severe wind knocks a tree over onto the building and damages the roof, as well as some of the contents inside the structure, the carrier of your property insurance policy will help to pay for the repairs or anything that may need to be replaced.
  • Liquor Liability - If alcohol is served in any capacity at your location, you definitely want to have a liquor liability insurance policy in place. Any establishment that serves alcohol is liable for damages or injuries that occur when someone who was served drinks at that establishment causes an accident. For example, if a member of your club had one too many drinks and then caused a crash, you could be looking at serious legal problems, as the intoxicated individual was served drinks at your establishment. Liquor liability insurance will help to protect you from these types of legal problems.
  • Directors and Officers Liability - This type of policy provides protection against any legal defense costs and damages that may arise if someone files a wrongful act suit against you. For example, if a club member files a claim against one of the directors of your Order, stating that he or she made false allegations or misrepresented the organization, D&O insurance would help to cover the costs of any personal losses the director may incur. Your coverage can also reimburse you for any losses that the club, itself, may suffer.

These are just some of the forms of Florida Fraternal Organization insurance coverage that should be considered. The specific type of coverage will vary from organization to organization and depends on a variety of factors; the size of the club and the nature of the activities that occur at the organization, for example.

List Of General Fraternal Organizations

  • Afro-American Sons and Daughters
  • Aid Association of Lutherans
  • American Hellenic Educational Progressive Association
  • American Legion
  • Ancient Mystical Order Rosae Crucis
  • Ancient Order of Hibernians
  • B'nai Brith
  • Benevolent and Protective Order of Elks
  • Brotherhood of St. Andrew
  • Civitan
  • Columbian Squires
  • Concatenated Order of Hoo-Hoo
  • Danish Brotherhood in America
  • Dramatic Order of the Knights of Khorassan
  • Epsilon Sigma Alpha International
  • Fraternal Forestry
  • Fraternal Order Orioles
  • Fraternal Order of Buckles and Spurs
  • Fraternal Order of Eagles of US and Canada
  • Fraternal Order of Moai
  • Fraternal Order of Owls
  • Freemasonry
  • Grand United Order of Oddfellows Friendly Society
  • Gyro International
  • Honorable Order of the Blue Goose, International
  • Illuminati
  • Imperial Court System
  • Improved Order of Heptasophs
  • Improved Order of Red Men
  • Independent Order of Odd Fellows (or IOOF aka Odd Fellows)
  • International Order of Alhambra
  • International Order of Twelve Knights and Daughters of Tabor
  • International Organization of Good Templars (or IOG)
  • Junior Chamber International (Jaycees or Junior Chamber of Commerce)
  • Junior Order of United American Mechanics
  • Kiwanis International
  • Knights of Charity International
  • Knights of Columbus
  • Knights of Peter Claver
  • Knights of Pythias
  • Knights of the Golden Eagle
  • Knights of the Maccabees
  • Lions Clubs International
  • Moose International
  • National Haymakers Association
  • Native Sons of the Golden West
  • Optimist International
  • Orange Order
  • Order Sons of Italy in America
  • Order of Heptasophs
  • Order of Scottish Clans
  • Order of the Arrow (BSA)
  • Ordo Templi Orientis
  • Rosicrucian Fellowship
  • Rotary International
  • Round Table Club
  • Royal Antediluvian Order of Buffaloes
  • Ruritan
  • Samaritans
  • Sertoma International
  • Sons of Confederate Veterans
  • Sons of Norway
  • Sons of Union Veterans of the Civil War
  • Sons of the American Revolution
  • Sons of the Revolution
  • Soroptimist
  • The National Grange of the Order of Patrons of Husbandry (The Grange)
  • Unico National
  • United States Junior Chamber
  • Vasa Order of America
  • Veterans of Foreign Wars (VFW)
  • Woodmen of the World
  • World War Veterans
  • Zonta International

FL Fraternal Services Organization's Risks & Exposures

Premises liability exposure is moderate due to the number of people visiting the premises. Visitors can be injured from slip and falls. Floor coverings must be in good condition, with no frayed or worn spots on carpet and no cracks or holes in flooring. Steps and uneven floor surfaces should be prominently marked. Sufficient exits must be provided and be well marked, with backup lighting systems in case of power failure.

Parking lots and sidewalks need to be in good repair with snow and ice removed, and generally level and free of exposure to slips and falls. Fund-raising activities must be evaluated to determine whether a special events policy is needed. If there are outside contractors, certificates of insurance should be obtained and maintained.

Personal injury exposures include alleged assault and battery, discrimination, and invasion of privacy.

Directors and officers exposure is moderate. Policies and procedures should be published and consistently followed, especially as they relate to membership, membership revocation, the election of officers, and removal of officers.

Liquor liability exposure arises from liquor sold as a part of the order's regular operations. Servers must be trained to recognize the effects of excessive alcohol consumption, to verify the age of those ordering alcoholic beverages, and to refuse service to underage members or guests. Court interpretations have been inconsistent on the application of the liquor exclusion on clubs. Any group that regularly sells liquor as a part of their normal activities should consider purchasing the coverage to avoid costly litigation following a loss.

Workers compensation exposure may be limited to office workers who may develop repetitive motion injuries such as carpal tunnel syndrome. Workstations should be ergonomically designed. Restaurant workers can experience cuts, burns, puncture wounds, slips, falls, and back sprains from lifting.

Cleaning workers can develop respiratory ailments or contact dermatitis from working with chemicals. Any contract with outside firms must specify who is responsible for providing workers compensation coverage to the workers. If the subcontracting firm is responsible, the fraternal order should obtain certificates of insurance to verify that coverage.

Property exposure is moderate as operations generally include cooking facilities. Ignition sources include electrical wiring, heating air conditioning systems, and cooking equipment. Electrical wiring must be up to code for its current use. If there is cooking from restaurant operations, controls such as automatic shut-off devices and temperature controls need to be in place. Grease filters should be cleaned and maintained regularly.

Activist fraternal orders on socioeconomic or political issues may antagonize others not supportive of their viewpoint and may become targets for acts of intimidation that include vandalism, arson, and firebombing. Additional security may be needed.

Crime exposure comes from employee dishonesty and theft of money and securities. Employee dishonesty coverage should be expanded to include faithful performance and to include volunteers as employees. Fraternal orders are unlikely to perform background checks on members handling money. Precautions against dishonesty include having a separation of duties between persons handling money and reconciling bank statements.

Two members should verify cash collections as fund-raising events may result in a large buildup of cash. Money should be regularly collected and moved away from the collection area, preferably to a safe. Regular deposits should be made.

Inland marine exposure includes accounts receivable from dues and fundraising events, computers, and valuable papers and records for donor lists and member records. All records must be duplicated and stored at an off-site location for easy restoration in the event of a loss. A special floater may be needed for property used in parades or special events.

Business auto exposure is generally limited to hired and non-owned for members running errands on behalf of the order. Some groups may provide transportation services for members. If there are owned vehicles, all drivers must have licenses appropriate for the vehicles driven and acceptable MVRs. There should be established criteria for those who are allowed to drive any owned vehicles and how the vehicles may be used. All vehicles must be maintained with records kept in a central location.

Fraternal Order Insurance

To find out exactly what type of Florida Fraternal Organization insurance your Order should carry, and how much coverage will protect your organization, speak to a reputable insurance broker. Investing in the right insurance coverage is one of the smartest things you can do for your group.

Florida Economic Data And Commercial Insurance Requirements

If you are thinking about starting up a business in the state of Florida, it's important to understand the economic standing of the state before you set up shop. Furthermore, you should understand the rules and regulations regarding FL commercial insurance.

Made In Florida

With this information, you will be able to determine if Florida is the right place for your business, and if so, what type of insurance you will need to carry to protect yourself, your employees, and the people that you serve.

Economic Trends For Businesses In FL

Florida is known as the sunshine state, and the economic outlook for this state is just as bright as the weather. It is estimated that the economy in Florida will reach $1 trillion by the end of the 2019 calendar year. However, while financially, the economy is expected to boom, it is forecasted that job growth will decline.

The reason for the economic boom? While businesses do certainly contribute to the economy, industry isn't the reason why Florida's economy is expected to soar; the residents that move to the state are largely responsible for its economic growth. Approximately 898 people move to Florida every day, and those new residents bring a tremendous amount of income for the state.

In terms of job growth, the rate of new jobs has been its highest since 2007; however, it is forecasted to slow during 2018. Approximately 180,000 new jobs will be added in 2018, which is slightly less than the new jobs that were added in 2017.

The industries that contribute the most to Florida's economy include:

  • Agriculture
  • Aviation & Aerospace
  • Financial Services
  • Healthcare
  • International Trade
  • Life Sciences
  • Tourism
Commercial Insurance: Regulations & Limits In Florida

The Florida Office of Insurance Regulation regulates insurance in FL. The only type of coverage that business owners must carry is workers' compensation. Organizations in any industry must carry this type of coverage if they employ a staff of hourly or salaried workers. But, organizations that employ three or less people are not legally required to carry this type of coverage.

Business owners are also required to carry commercial auto insurance if they use any vehicles for their operations, such as making deliveries or transporting goods. Commercial liability insurance is another type of coverage that Florida business owners should consider carrying, though they are not legally required to have this type of insurance.

Additional Resources For Non-Profit Insurance

Find useful articles on business insurance for non-profit 501(c)(3) organizations, charities and associations.


Non-Profit Insurance

For 501(c) Non-Profits - Directors And Officers Liability Insurance has become an increasingly important policy to have. D&O coverage protects insured directors or officers against claims involving allegations of wrongful acts occurring while performing their duties as such. The insurance is divided into two separate coverages:

Side A coverage reimburses the individual directors and officers for payments made for loss each has incurred because of wrongful acts.

Side B coverage reimburses the corporation for the payments it has made on behalf of the directors or officers themselves.

General Liability is a foundational policy for almost any business. Most companies do not have any control over the final cost of injuries to a person injured because of their operations, products, or services. The person injured may be a young child, a blue-collar worker, a surgeon, or a homeless person.

The cost of the injuries may be comparatively minor or run into the millions of dollars, depending on the person and the extent of his or her injuries. Do you have sufficient assets to pay such a loss?

Commercial general liability insurance is designed to help you protect your assets with three main coverages:

  • Coverage A: Bodily Injury and Property Damage Liability
  • Coverage B: Personal and Advertising Injury Liability
  • Coverage C: Medical Payments

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