What type of insurance do we have?
The Fraternity purchases liability insurance, which is insurance that protects Pi Alpha Phi against claims from legal liability, provides legal defense, and pays sums necessary to settle claims against the Fraternity.
Who is covered under the insurance policy?
The insurance coverage will pay claims for the following organizations and/or people while performing the duties of their elected or appointed positions within the organization ONLY IF the laws and policies of the institution, city, county, state, country and Fraternity have been followed:
National Fraternity and National volunteers limits:
- $1,000,000 Bodily Injury & Property Damage Combined Single Limit per occurrence
- $2,000,000 Policy Aggregate
Limits for entities provided insured status under “Who is an Insured” amendatory endorsement. i. e. chapters, undergraduate members, including pledges, initiates, actives, inactives, alumni associations, house corporations and local volunteers (note: the national fraternity does not distinguish between various statuses of undergraduate membership):
- $100,000 per occurrence per location/chapter
- $200,000 annual aggregate per location/chapter
No insurance policy in the world provides coverage for violations of the law. Our insurance is no exception. The key points to understand are: (1) compliance with the law; (2) compliance with laws and policies of Pi Alpha Phi Fraternity; (3) compliance with the Pi Alpha Phi Risk Management Policy.
This is not a personal liability policy; it only protects volunteers working within the scope of their duties.
Who is not covered by this policy?
- Any individual member, alumnus, or advisor who is performing tasks outside of their responsibility (e.g., spontaneous social function planned by an individual member, chapter advisor consuming alcohol with collegians, hazing of members, etc.)
- Any member whose illegal or intentional actions result in death or injury to an individual or property damage
- Members' parents or family members and guests of chapter members
- College/University administration
Our chapter runs a lil’ sis program, are they covered?
Sponsorship of and participation in auxiliary organizations are inconsistent with the purpose and philosophy of single-gender fraternal organizations. As such, Pi Alpha Phi prohibits chapters to operate Lil Sis programs and are not covered by the organization’s liability insurance coverage.
Why do we need insurance coverage?
- More Colleges and Universities require it for recognition
- Opens the door to expansion and growth
- Perpetuate the organization: Let us continue for the next 100 years as we have for the past 80 years
- Recruit and retain alumni involvement
- Protect our undergraduate members when they are acting for and on behalf of the fraternity
- The responsible thing to do
Suppose that someone is injured during a chapter event and this claim becomes a lawsuit. You are named as a defendant. Our insurance will cover you, as well as the Fraternity, as long as you are an active, paid member of Pi Alpha Phi in good standing, you did not violate any laws or the risk management policy, or intentionally cause harm to the other person, and you were acting in good faith. An individual is protected when acting in the scope of their duties on behalf of the Fraternity while in compliance with the risk management policy.
What is considered a chapter event?
To understand what may be considered a fraternity event, consider the following questions. If the answer to any question is “yes”, then regardless of the location (annex, brother’s house, apartment), your University, the Fraternity, and a court of law may consider it a fraternity event. Therefore, the Risk Management Policy needs to be followed.
- Was the event pre-planned or pre-meditated?
- Was the event discussed during a chapter meeting or executive committee meeting?
- Was it advertised among the brothers through any means (word of mouth, flyer, email)?
- Were chapter funds used in any way?
- Did chapter officers help plan the event in any way?
- Did the event occur as a result of a Fraternity function (e.g. big brother night, bid night, post-initiation party)?
- Was the property where the gathering occurred owned, rented or leased by a member of Pi Alpha Phi?
- Would a third party construe the function as Fraternity related?
How Much Do I Pay for Coverage?
Liability Insurance coverage is included in your national membership dues. Your coverage extends your entire undergraduate career.
What is the Member Accident Protection Plan?
The Member Accident Protection Program is a benefit of membership. The program is intended to complement the health insurance program of every collegiate member of the Fraternity for medical and dental expenses incurred as a result of a covered accident. All eligible collegiate members are insured for covered injuries that are incurred while the policy is in force and occur while:
Registered and in good standing with the Fraternity. Membership is verified by the National Office so be sure your membership has been reported and all fees have been paid.
An enrolled student at an institution of higher learning where there is a collegiate chapter of the Fraternity, except during appropriate holiday or summer breaks. If a covered injury occurs during a holiday or summer break, the eligible member will have had to have been an enrolled student during the prior school term and continuing at an institution of higher learning the following term.
If you wish to file a MAPP Claim, contact Barb Witt at Willis HRH at 1-800-736-4237, ext. 208 or firstname.lastname@example.org.
An accident means a sudden, unexpected and unintended event which is identifiable and caused solely by an external physical force resulting in injury to an insured person. Accident does not include a loss due to or contributed by disease or sickness.
What do we do if someone is hurt?
Assist the injured by administering first aid to the best of your ability and call for help (police, fire department, ambulance, 911, etc.) Secure the area to keep others from getting hurt. While on the scene, if possible, get names, addresses and phone numbers of all parties involved, as well as any witnesses to the accident.
It is imperative all losses or incidents be reported immediately to Pi Alpha Phi (must provide contact information). If you question whether to report a potential claim, report it! To file a claim, your contacts at Willis HRH are Steve Wilson, ext. 209, email@example.com or Mick McGill, ext. 229, firstname.lastname@example.org.
What is a Certificate of Insurance?
A Certificate of Insurance is a form that verifies that you have insurance, states the coverage limits, and identifies who is covered under the policy. All recognized certificates and a copy of the Insurance and Claims manual are sent to the chapter president after full payment is received by Willis HRH. Sometimes your university will want to see a Certificate of Insurance as proof that you have adequate insurance. Contact the National Office email@example.com, and we will send a copy to your university. But usually, when someone asks for a Certificate of Insurance, they want Pi Alpha Phi to name them as an additional insured, which means that they want our insurance policy to cover them.
How do name an Additional Insured?
Only the National Office can approve naming an additional insured to our policy. We consider these requests carefully. If a third party asks you for a Certificate of Insurance naming them as an additional insured, start off by making a request to Willis HRH. They will review the request and then contact us for our approval. The process can take 10 to 14 days. If you are planning an event at a hotel or other venue please also submit a copy of your contract with the facility along with the complete Additional Insured request form from the Insurance and Claims manual.
Why are Risk Management fees so expensive?
Fraternities and Sororities are a high risk market, so our insurance premium, the amount we pay to the insurance company, is very expensive. Factors influencing those fees include:
- Lack of interest in insuring fraternities and sororities by the insurance industry in general
- Loss experience for fraternity and sorority organizations as a whole and the individual organizations
- Poor public reputation of fraternities and sororities
- Men’s general fraternities are the 6th highest underwriting risk
- A “headline” loss will impact everyone
- Individual loss experience
- Premise exposure
What happens if we do not pay?
The chapter will be suspended, lose its insurance coverage, and face other disciplinary action by the National Office.
Do Pi Alpha Phi insurance policies cover accidents or injuries to members that are sustained during Pi Alpha Phi athletic or intramural events?
Participation athletic activities is voluntary. Members and guests assume the risk of injury or participate at their own risk. Claims in this area are normally covered by your own personal medical insurance.
Does the Pi Alpha Phi insurance policy cover a member or volunteer's personal property ?
No. Loss or damage to personal property (i.e. computers, bicycles, clothing, etc) is not covered under the Pi Alpha Phi insurance policy. Usually loss or damage to your personal property can be easily insured under renter's insurance or your personal or parent's homeowner's policy.
I have more questions that are not answered in the FAQ, whom do I contact?
If there are further questions, please e-mail firstname.lastname@example.org