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	DisplayTitle Welcome to Elks Lodge Facility Rental Insurance Program Phone 1-800-421-3557 Fax​ 1​-800-411-4771 Claims 1-800-237-2917 ProgramLinks   E-mail this page  | Print this page Page Content Facility Rental Coverage Lodges that allow their facilities to be used/rented should purchase Facility Rental Coverage. This will not only protect the Lodge but also the user/renter for General and Liquor Liability for a covered incident that may occur during the rental. Frequently Asked Questions   Who pays for the Facility Rental Coverage?  Must Facility Rental Coverage be obtained when State Association or other various Elks committees use the Lodge facilities? Can we, the Lodge obtain the needed insurance on behalf of the person or party to whom we are renting our property? Should we report an incident/injury even if the insured person says they have insurance? Should we report an incident/injury if we feel the Lodge was NOT responsible? Is reporting incidents optional?  Can/should we pay the medical bills of a person injured on our property instead of reporting the injury? Who should we contact if we still have questions about these requirements/procedures?         Who pays for the Facility Rental Coverage? The user/renter can pay for the Facility Rental Coverage or the Lodge can pay for the Facility Rental Coverage on behalf of the renter/user (the cost of which can be rolled into the Lodge's rental fee). Top of Page             Must Facility Rental Coverage be obtained when State Association or other various Elks committees use the Lodge facilities NO.  Facility Rental Coverage is not needed if the property is being used for an Elks Sponsored Event.   Top of Page           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. Top of Page       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. Top of Page       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.   Top of Page       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.   Top of Page   Who should we contact if we still have questions about these requirements/procedures? Please contact the Elks Insurance Program Team at 1-800-421-3557.   Top of Page
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