Insurance –Ya Gotta get - - Diocese & Parish Requires - - PROTECT your council, Assembly, and Officers and Brothers

All councils need insurance - - it is required by the Diocese.

The Movie Doc Hollywood (1991) has comedic lines that are on point about viewpoints, money, and doing what is clear:

Dr. Stone: You know, I just thought of something. I guess I'm gonna have time to collect that ten dollars from Nick.

Vialula: You lost that bet.

Dr. Stone: Says who? I did not lose it.

Vialula: Says me.

Dr. Stone: Says you? You have no say in this bet - you are the bet.

Vialula: I don't care. The bet was for one week. You lost.

Dr. Stone: Ah, it's your word against mine.

Vialula: You mean you would sully my reputation for ten measly dollars?

Dr. Stone: [laughs] Absolutely! I don't even know what sully means.

Dr. Halberstrom quoting Dr. Hogue to Dr. Stone during an interview:

“I would be a bovine clod fated, citified moron, if I did not hire you on the spot.”

The first quote highlights people twist facts to get money, while the second quote highlights a mandate is the best option.Simply put all Grand Knights and Navigators have a duty to protect their council, Assemblies, Hall, Officers, and Brothers.Insurance is cheap compared to a lawsuit.

YOU BUY INSURANCE BEFORE YOU NEED IT.Think it cannot happen - - a Brother recently fell face first into a fryer of hot oil.He required emergency care and has ongoing surgeries - - the COUNCIL HAD INSURANCE to help care for the brother.

The Knights have Insurance setup SPECIFICALLY FOR you and your council:The Officer Desk Reference states:

The Knights of Columbus recognizes the need for adequate and affordable insurance to protect councils from the risks associated with their programs and activities. Accordingly, we have developed the Knights of Columbus Local Council Insurance Program, which is designed to meet the most important insurance needs of Knights of Columbus councils. The program is administered by Lockton Affinity, LLC, a subsidiary of Lockton Companies, the largest privately held commercial insurance broker in the world. Lockton Affinity has been providing insurance for fraternal organizations for more than 25 years and today serves more than 5,000 fraternal clients. Its experienced team of customer service representatives are dedicated exclusively to helping fraternal organizations like the Knights of Columbus. All insurance is placed with insurance carriers rated "Excellent" or higher by A.M. Best.

Available coverages Include:

• General Liability – $1,000,000 per occurrence/$2,000,000 aggregate
• Personal and Advertising Injury- $1,000,00
• Property
  • Damage to Premises Rented to You- $1,000,000
• Liability
  • Medical Expense-any one person - $20,000
• Host Liquor Liability
• Liquor Liability
  • Host Liquor Liability coverage for providing alcoholic beverages at Council functions
• Business Auto
• Hired and Non-Owned Auto
  • Hired and Non-Owned Auto Liability – $1,000,000
• Workers Compensation
• Employee Dishonesty
• Crime Coverage
• Special Events Coverage
• Umbrella Liability
• Sexual Abuse and Molestation

For more information, or for a free, no-obligation quote please contact Lockton Affinity at 1-800-496-0288. You may also contact them by email at CouncilInsurance@locktonaffinity.com or visit them online at http://councilinsuranceprogram.com/

If you have questions relating to council governance, insurance, legal matters, or fraternal programs, please consult your state advocate.

Lockton also provides Indemnification to the parish and Diocese at no extra charge.The insurance is cheap compared to an insurance claim.

The cost is approximately $2.40 per active member. The Assembly is added as an Additional Insured at no cost, however, if they wish to be included as a First Named Insured on the policy they can also complete an application and give us their active membership count and we will include them on the policy. This will ensure that they have coverage when they are hosting their own events that are not associated with a Council event.

Our Bishops and many priests are mandating councils to have insurance that indemnifies and names the parish and Diocese as named parties to the policy.

Again, Lockton Affinity at 1-800-496-0288, so don’t be a bovine clod fated, citified moron - - get insurance for your council, Assembly, officers, and Hall.