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Liability And Event Insurance For Fraternities, Sororities & Fraternal Club Members

Liability And Event Insurance For Fraternities, Sororities & Fraternal Club Members
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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.

by: Mathew Hussey


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