WIXLIB

Personal Injury — Advertising InjuryCovers injury arising out of libel, slander, violation of an individual’s right of privacy oroccupancy, discrimination, false arrest, detention, malicious prosecution, or wrongfuleviction. (Coverage is excluded for claims of libel or slander by membership candidatesarising out of the membership selection process at the Local Lodge level; discriminationcoverage is limited to controversies regarding membership requirements established bythe Statutes of the Order.)Contractual LiabilityCovers bodily injury and property damage liability of an insured arising from a contractrelating to the conduct of the Named Insured’s business.Independent ContractorsCovers an Insured’s liability for actions of contractors hired to perform work on anInsured’s premises or whose activities are related to an Insured’s operations.Liquor LiabilityCovers claims brought against an Insured based on the selling or serving of alcohol,either on an Insured’s premises or at an Insured’s sponsored activity away from thepremises.Product LiabilityCovers an Insured’s liability for injury or damage caused by the Insured’s products,occurring away from the Insured’s premises and after physical possession has beenrelinquished to others.Fire Legal LiabilityCovers damages for which an Insured is legally responsible that result from a fire onpremises leased from others. (Coverage is not provided in circumstances where there hasbeen a failure to obtain coverage required under a contract.)Non-Owned Watercraft LiabilityCovers liability for operating watercraft (under 52 feet in length) not owned by a NamedInsured.Employee Benefits LiabilityCovers legal obligations for damages sustained by an employee, prospective employee,former employee or beneficiaries, caused by any negligent act, error, or omission of theInsured or his employees in the administration of Employee Benefit Plans (a groupprogram provided by an employer). Coverage is afforded only for claims “first made”during the policy period, regardless of when the negligent act occurred. (EmployeeBenefit Plans are: group life, accident and health, profit sharing, IRS qualified pension,unemployment, or disability plans.)Pesticide and Herbicide Applicators Liability (Golf Courses Only)Covers bodily injury or property damage arising out of the use and application ofherbicides and pesticides on owned or leased premises if use meets all standards ofany statute, ordinance, regulation or license requirement of any federal, state or localgovernment having application to such operation or if such discharge, dispersal, releaseor escape is sudden and accidental.—5—

Media Liability Coverage (on a “claims-made” basis with a 5,000 deductible)This coverage provides protection for losses that may result from publications andinternet exposures normally associated with Lodge operations. Coverage is afforded fordefamation and disparagement, invasion, infringement or interference with rights ofprivacy or publicity, infringement of title, slogan, trademark, trade name, trade dress,service mark, service name, copyright or plagiarism and unfair competition in conjunctionwith certain types of claims. (There is a single blanket limit covering all Elks entities.)Non-Owned and Hired Auto LiabilityThis coverage protects against damages for which an Insured is legally liable that resultfrom the use of a non-owned or hired automobile. No coverage is obtained for uninsuredor under-insured motorists, and the policy specifically rejects and excludes any coverageof this type.Coverage DOES NOT apply to:8 damage to the vehicle being used.8 vehicles owned by an Insured or member of his/her household.8 protect the owner of the vehicle rented or borrowed.Officers, Committeemen, Employees, Members & Volunteers as Additional InsuredsProvides protection against the types of claims outlined above for such persons whenacting within the scope and course of their duties as an agent of the Named Insured.Pertinent Exclusions & LimitationsA. No coverage is afforded for state or national Ladies Auxiliary organizations.B. No coverage is afforded for claims alleging errors in judgment or mistakes inoperations of either a Lodge or Club or employment practices.C. No coverage is provided for claims involving pollution in general or claims relatedin any way to asbestos, lead or mold (except the limited coverage afforded for golfcourses).D. No coverage is provided for bodily injury or personal injury to an employee, formeremployee or applicant for employment arising out of their employment for anInsured or caused by another employee of the Insured.E. No coverage is afforded for any obligation for which the Insured or any carrier ashis Insurer may be held liable under any workers’ compensation, unemploymentcompensation or disability benefit law or under any similar laws. (It is stronglyrecommended that all Lodges obtain minimum premium workers’ compensationcoverage, even if they have no permanent employees.)F. No coverage is provided for claims of libel or slander by membership candidatesarising out of the membership selection process at the Local Lodge level.G. No coverage is afforded for bodily injury or property damage arising out of the useof mobile equipment (including, but not limited to, all-terrain vehicles, dirt bikes,motorcycles, lawn mowers, utility vehicles) in competition or racing events or inpractice or for general recreational use or stunts or in preparation for such activities.H. Coverage under the Master Liability Program may not be provided to any insuredentity or person that does not cooperate in the investigation and defense of anyclaim made under the Program or in the case of failure to provide all notices or legalcomplaints in a timely fashion to the claims administrator.—6—

— COVERAGES NOT INCLUDED —Since the Program deals solely with Liability Insurance, there are a number of exposuresthat a Lodge or State Association must evaluate and insure separately. Among them:Fire, Extended Coverage and other perils on real and personal property.1Damage to Boiler, Pressure Vessels, Air-Conditioning Systems and otherMechanical / Electrical Equipment.1Directors & Officers Liability (D&O). (This type of coverage refers primarily tomisjudgment in Lodge management or possibly to discriminatory practices.)2Insurance on Owned Vehicles. No coverage is provided for any person foruninsured or under-insured motorists. This coverage has been excluded andrejected for vehicles of any type.Owned Watercraft over 18 feet in length or any watercraft propelled by sail,engine power or electrical power regardless of length.Non-Owned Watercraft over 52 feet in length.Owned Aircraft.Pollution Liability. This may be important to Lodges that have a potential fordischarging any waste products into the environment that utilize large amountsof chemicals, such as insecticides, in their operations or have underground fuelstorage tanks. No coverage is provided for exposure to asbestos, lead or mold.(Limited coverage is provided for golf courses under some circumstances.)Accident, health, life or disability or any employee benefit coverage.Employee Dishonesty (including required bonds on Lodge Officers).1Robbery and Burglary.1Surety Bonds of any kind, including those required by federal, state or localgovernmental bodies.Workers’ Compensation.Liability for tenants or independent contractors.Insurance on personal autos, residences or other property of officers andmembers even if they are used occasionally for Lodge or Association business.Employment Practice Coverage. (This coverage includes wrongful discharge,discrimination of all types and sexual harassment.)2Claims arising from the Business risk of operations that do not involve bodilyinjury or property damage.Breach of contract claims that do not involve bodily injury or property damage.1 L ocal Lodges must participate in the Elks Property Plus Program perSection 4.232 of the Statutes of the Order.2 C an be obtained through the voluntary program available to Local Lodgesthrough AON AFFINITY SERVICES [The Elks Team] at 1-800-421-3557.—7—

— EVIDENCE OF INSURANCE —Date (MM/DD/YYYY)CERTIFICATE OF LIABILITY INSURANCE3/20/2019THIS CERTIFICATE IS ISSUED AS A MATTER OF INFORMATION ONLY AND CONFERS NO RIGHTS UPON THE CERTIFICATE HOLDER. THISCERTIFICATE DOES NOT AFFIRMATIVELY OR NEGATIVELY AMEND, EXTEND OR ALTER THE COVERAGE AFFORDED BY THE POLICIES BELOW.THIS CERTIFICATE OF INSURANCE DOES NOT CONSTITUTE A CONTRACT BETWEEN THE ISSUING INSURER(S), AUTHORIZEDREPRESENTATIVE OR PRODUCER, AND THE CERTIFICATE HOLDER.IMPORTANT: If the certificate holder is an ADDITIONAL INSURED, the policy(ies) must be endorsed. If SUBROGATION IS WAIVED, subject to theterms and conditions of the policy, certain policies may require an endorsement. A statement on this certificate does not confer rights to thecertificate holder in lieu of such endorsement(s).CONTACTPRODUCERNAME: Elks Insurance ProgramPHONEAon’s Affinity Insurance Services, Inc.The Elks Insurance Program200 E. Randolph, 4th FloorChicago, IL 60601(A/C, No, Ext):FAX(800) 421-3557(A/C, No):(312) 381-0951INSURERS’ AFFORDING COVERAGEOld Republic Insurance CompanyINSURER B:Westchester Fire Ins. CoNAIC #24147INSURER A:INSUREDBenevolent and Protective Order of Elks of U.S.A.Grand Lodge – Local Lodges of the Order2750 N. Lakeview AvenueChicago, IL 60601INSURER C:INSURER D:INSURER E:INSURER F:COVERAGESCERTIFICATE NUMBER:REVISION NUMBER:THIS IS TO CERTIFY THAT THE POLICIES OF INSURANCE LISTED BELOW HAVE BEEN ISSUED TO THE INSURED NAMED ABOVE FOR THE POLICY PERIODINDICATED. NOTWITHSTANDING ANY REQUIREMENT, TERM OR CONDITION OF ANY CONTRACT OR OTHER DOCUMENT WITH RESPECT TO WHICH THISCERTIFICATE MAY BE ISSUED OR MAY PERTAIN, THE INSURANCE AFFORDED BY THE POLICIES DESCRIBED HEREIN IS SUBJECT TO ALL OF THE TERMS,EXCLUSIONS AND CONDITIONS OF SUCH POLICIES. LIMITS SHOWN MAY HAVE BEEN REDUCED BY PAID CLAIMS.INSRLTRTYPE OF INSURANCEPOLICY NUMBERPOLICY EFF(MM/DD/YYYY)POLICY EXP(MM/DD/YYYY)GENERAL LIABILITYAXCOMMERCIAL GENERALLIABILITYCLAIMSXOCCURMADEMWZY 3128921903/31/1903/31/20XLIQUOR LIABILITY EACOMMON CAUSEAGGREGATE LIMIT APPLIES PERLOCATIONBEXCESS LIABILITYXOTHER THAN UMBRELLA CEPERSON & ADVINJURY 1,500,000GENERAL LIAAGGPRODUCTSCOMP/OPP AGGLIQUOR LIABILITYAGG 1,500,000EA OCCURRENCEGENERALAGGREGATE PERLOCATION 5,000,000 1,500,000 1,500,000 1,500,000 5,000,000DESCRIPTION OF OPERATIONS / LOCATIONS / VEHICLES (Attach ACORD 101, Additional Remarks Schedule, if more space is required) 6.5 MILLION DOLLARS PER OCCURRENCE, 6.5 MILLION AGGREGATE FOR EACH COVERAGE SECTION1) COMMERCIAL GENERAL LIABILITY2) LIQUOR LIABILITY3) PRODUCTS AND COMPLETED OPERATIONSCERTIFICATE HOLDERCANCELLATIONSHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLEDBEFORE THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED INACCORDANCE WITH THE POLICY PROVISIONS.AUTHORIZED REPRESENTATIVEDiacovonne FlowersACORD 25 (2010/05) 1988-2009 ACORD CORPORATION. All rights reserved.The ACORD name and logo are registered marks of ACORD—8—

— CERTIFICATES OF INSURANCE —The function of an Insurance Certificate is to provide those asking for certificates — theCertificate Holder — with evidence that various obligations can be satisfied (payingliability losses assumed under contract; paying for loss or damage to property for whichit is responsible, etc.).WHEN LOCAL LODGES ARE REQUIRED TO PROVIDECERTIFICATES OF INSURANCE:If an Insurance Certificate is required by a third party in connection with a lease ofpremises, special event or other activity, contact:Aon Affinity Services, Inc. [The Elks Team]200 E. Randolph Street, 4th FloorChicago, Illinois 60601-6416(800) 421-3557 (E-L-K-S)While we recommend that Certificate requests be made in writing, you may contact theElks Team at Aon by phone when time does not permit a written request.You will need to provide the following: Name and address of Certificate Holder. Nature of the activity (lease, special event, etc.). Date of event. Whether the Certificate Holder is to be named as an Additional Insured underthe Program (please note there are strict limitations when it comes to issuingAdditional Insured Certificates for hazardous events; activities not related tonormal Lodge operations; or the service of alcohol to the public). Any special requirements as to the insurance limits or Certificate wording(provisions related to hazardous events; leases with hold harmless or indemnityagreement requirements; and/or other contracts must be reviewed and approved).The Certificate provided on the preceding page is for informational purposes only.Review ALL documents signed on behalf of the Lodge.DO NOT provide indemnification to otherswithout a full review by the Lodge’s attorney.The Elks Master Liability Programis NOT TO BE USED to provide coverage for anotherorganization’s activities or for business operationsnot related to normal Lodge functions.—9—

WHEN LOCAL LODGES SHOULD REQUIRECERTIFICATES OF INSURANCE:The Lodge must require an Insurance Certificate as evidence of insurance coveragewhen any entity or individual—including a Lodge member—utilizes the Lodge facilities;participates in a sponsored event; or works on Lodge premises. This applies to anyonerenting the facilities for a single event and/or on a long-term basis; anyone working onyour premises (or during a sponsored event); and any independent contractor performingservices for your Lodge, be they a building contractor, restaurant or bar concession, orcorporate reception. A contract with a hold-harmless provision must be obtained,and the Lodge must be named as Additional Insured.How to obtain:Your lease/rental agreement must include a list of insurance requirements and a holdharmless provision establishing the responsibilities of the tenant/renter with respectto liability claims arising out of the event and/or their use of the Lodge facilities. Thetenant/renter should provide you with evidence of insurance that names the Lodge as an“Additional Insured” before they are given access to the Lodge facility (being named asan Additional Insured on the user’s policy will provide the Lodge with liability protectionunder the user’s policy, which will help keep the costs of your program down).Any entity or individual—including a Lodge member—renting or using theLodge should provide a signed indemnity agreement that includes languagesimilar to the sample indemnification form found on the next page. Anyonerenting or using the Lodge should also name the Lodge as additional insuredon their liability policy. If this cannot be done, Aon’s Facility Rental Programat www.elks.org/resources/accident/ provides General and Liquor Liabilitycoverage that includes the Lodge AND the user/renter as named insureds(Lodges can call Aon Affinity Services at 1-800-421-3557 for more informationon how to obtain such policies).Those who do not comply with this procedure cannot be allowed to use the Lodge facilities.What information do you need?It is important to establish your priorities as to who should be allowed to use the Lodgeand in requesting and reviewing evidence of insurance.The evidence of insurance should include: Name of insurance company Named Insured and address Description of Coverage — Comprehensive General Liability, includingProducts, Contractual Liability insuring the indemnification and Workers’Compensation Policy numbers Policy periods Limits of Liability Description and location The Lodge name, number and address as Certificate Holder and anindication the Lodge is named as Additional Insured Notice of cancellation provision Authorized signature— 10 —

— INDEMNIFICATION —Local Lodges seeking indemnification from lessees, renters and contractors can use thefollowing suggested language:Indemnity for Groups or Individuals Renting/Using/Leasing Lodge FacilitiesFor valuable consideration, the receipt whereof is hereby acknowledged, (thefacility user) does hereby agree to indemnify and hold harmless the (Lodgename/number) from any and all claims, costs of defense or expenses arising outof (description of activities), except for the sole negligence of the Lodge. (Thefacility user) further agrees to name the (Lodge name/number) as additionalinsured under their general liability policy, which will be obtained from aninsurance company the Lodge finds satisfactory and provide the Lodge with: (1)a separate endorsement reflecting the Lodge’s status as an additional insured;(2) a provision in the policy for thirty (30) days’ notice of cancellation or materialchange; and (3) evidence of the following insurance coverage (such coverage andcertificate must be issued without any disclaimers or limitations):COVERAGEAMOUNTGENERAL LIABILITY* 1,000,000 per occurrence(including products and contractual liability)AUTOMOBILE LIABILITY(where applicable) 1,000,000 per occurrenceWORKERS’ COMPENSATION(where applicable)Statutory* The required coverage amounts mentioned above may be increased/decreased depending on circumstances (the 500,000 coverage limitavailable through the “Special Event Policy” program administeredby Aon is also acceptable).(Please refer to the sample “Certificate of Liability Insurance” provided on thenext page for recommended format.)— 11 —

— SAMPLE —— 12 —

— RELEASE FORMS/INDEMNIFICATION FOR OTHER ACTIVITIES —Lodges that conduct events such as car shows, flea markets and other events wheregroups of people or organizations are allowed to use the Lodge facilities or participate insome sort of an event held by the Lodge can use the following language:Release for (name of event)I, (participant’s name), for being allowed to participate in (event name),agree to indemnify and hold harmless the (Lodge name, number), its officers,employees and members from any claim and/or attorney fees arising out ofmy participation in this event, except for the sole negligence of the Lodge.I further agree the Lodge is not responsible for damage to my property andwaive subrogation on any insurance policy I may have.Furthermore, I allow the use of photographs or images arising out of myparticipation in this event.SignatureDATELodges that conduct events involving individual participation—such as sporting eventsor other forms of activity—can use the following language:Release for Individual Participating in Sporting EventsI, (participant’s name), for being allowed to participate in (event name),agree to indemnify and hold harmless the (Lodge name, number), its officers,employees and members from any and all claims or injury to myself arising outof my participation in this event.(If the participant is a minor, a parent or guardian must sign, thereby providingpermission for the named minor to participate in the named event).Furthermore, I allow the use of photographs or images arising out of myparticipation in this event.Signature— 13 —DATE

— LIMITING POTENTIAL FOR CLAIM DEMANDS —(RV and TRAILER UNITS/PARKING LOTS)Many Lodges offer facilities that accommodate RVs and trailers (this is particularly trueduring the winter months for Lodges located in southern and western states).Each Lodge should review its policy with reference to safety and make sure the Lodge isnot accepting responsibility for these units. The Lodge cannot be a guarantor for damagedone to these units or for liability claims arising out of these units being parked on theLocal Lodge’s property.It is suggested that every Lodge have each RV/trailer owner sign an agreement thatincludes the following language:Use Agreement for RVs and Trailers for (Lodge Name and Number)In consideration for being allowed to park my unit in the appropriate areadesignated by the Lodge, I hereby agree to indemnify and save harmless theLodge from any and all claims and expenses arising out of my parking or useof the facilities, except for the sole negligence of the Lodge. I further agreethat no claim for damage to my property will be made against the Lodgeunder any circumstances and that any rights of subrogation for damage tomy property are waived.Unit OwnerDATEIt is also recommended that every Lodge post signs in the parking lot and throughoutthe RV/trailer facilities that state:NOTICEThis facility is not responsible for any damagesor loss to any vehicle parked at this location.Anyone parking in this facility’s parking lot orusing the Lodge’s RV/trailer fa

Commercial General Liability Insurance including Liquor ("Dram Shop") Liability, Product Liability, Contractual Liability and Personal Injury Liability. 2. Non-owned and Hired Automobile Liability Insurance. (Note that coverage does not apply to the vehicle itself, the owner of the vehicle, or any vehicle owned by the Lodge; also note .