[L.O.C.K.]

So, if a National Organization has no property, what is the point of having insurance if the very things we get insurance "to cover" aren't covered by the policy?

I mean, isn't it basically just paying this exhorbitant (sp?) amount of money for almost no protection?

Sorry if I sound out of it, I'm just wondering how it will actually protect organizations.

I personally hate Insurance Companies because I feel they are a big scam to millions of people.

If you don't own property as a National Org, how does the insurance benefit you if your most likely situation is going to be a hazing/alcohol incident?