Liability And Event Insurance For Fraternities, Sororities & Fraternal Club Members
If you are an executive for a fraternity, sorority
, fraternal club, or private club, it is important that your organization hold liability and event insurance to protect your organizations future, as well as its members and guests.Product Advantages
Package
Expanded definition of Bodily Injury to include Mental Anguish or Emotional Distress
Club members included as Additional Insureds
Fundraisers and certain special events included at no additional cost
Assault and Battery available on most risks
Hired and Non-owned Auto Liability Coverage available
Optional value Plus Endorsement
Optional Equipment Breakdown-includes free boiler inspection if required in your jurisdiction
No designated premises limitation
Liquor Liability
Insured has the option of either Basic or Top Shelf coverage
Basic Form features Defense costs inside the limits of liability and an exclusion for Assault or Battery coverage
Top Shelf provides coverage for Defense costs outside the limits of liability, may provide coverage for Assault or Battery and includes automatic coverage for the Liquor License holder as an additional insured
Club members included as Additional Insureds
Assault & Battery coverage available on most accounts
Credits available for responsible clubs with a formal third party server awareness training program
Directors and Officers
Separate limits of liability for Directors & Officers (D&O) and Employment Practices Liability (EPL) claims (Note: EPL is an optional coverage, which can be purchased in addition to D&O, but not on a monoline basis.)
Full Prior Acts Coverage
Unlimited defense outside the limits
Unlimited Extended Reporting Period for former Directors & Officers
Punitive Damages, where insurable by law, included automatically
Optional fiduciary liability coverage
Automatically includes third party discrimination and harassment
Free Human Resources Hotline with unlimited number of calls and no time limits (when EPL is purchased)
Liquor Liability
Risks serving alcohol past the legally allowable time or after hour establishments
Risks with the following exposures: risks that allow Bring Your Own Bottle, risks that serve liquor in dry county or township, risks that allow same day membership, risks that allow members to bring more than two guests per day, and for social or private clubs
Risks located in AL, AK, IL, IA, LA, MS, OR, RI or WV
Directors and Officers
Risks that sponsor or administer any insurance programs
Risks involved in any labor/union negotiations or collective bargaining
Risks located in AK or LA
Available Limits
Package
Maximum Liability Limit $1,000,000/$2,000,000
Maximum Property value of $3,000,000 for organizations without cooking (protection class 1-8)
Maximum Property Value of $1,500,000 for organizations with cooking (protection class 1-8)
Maximum Property value of $250,000 for organizations in protection class 9-10
Maximum Property value of $500,000 per location for Coastal Zone accounts (wind exclusion applies)
Maximum Property value of $200,000 for seasonal risks
Liquor Liability
Up to $1,000,000 each common cause/$200,000 aggregate
Directors and Officers
Up to $5,000,000 for D&O and EPL (Note: EPL is an optional coverage, which can be purchased in addition to D&O, but not on a monoline basis and may not exceed the D&O Limit)
Submission Requirements
Non Profit Fraternal Club Application (NPP CLUB) or equivalent
Representation of incurred loss/claim history for the past five years
If you are involved with a fraternity, sorority, fraternal club, or other private club and would like to ensure the organization holds adequate insurance coverage while saving money, you should contact a representative at Boardwalk Insurance Group. This independent agency will take time to understand how your organization works and will customize a liability and event insurance policy that meets the needs of your organization while exceeding expectations. Boardwalk Insurance Groups application process is very simple and quotes can be acquired within 48 hours in most cases.
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