[Tom Earp]

I think one of the key points as far as insurance and what it covers is a major concern.

If it comes to Risk Managemnt, there in comes the rub.

If a R M situation happens, there is where law suits come into play.
Suites usualy include the following:

Chapter and Officers, Active and sometimes Alums.
The National Greek Organizations of offending groups.

I cannot give the % of increases over the many years, but I am sure they have escalated.