[shadokat]

What high risk activities are you having madmax? I know that if we have mixers or activities that involve alcohol, they are held at third party vendors where they do the carding, serving and such, and thus, THEY are liable when something happens to someone, not us. It's the beauty of using third party vendors.

We don't haze, so we don't have to worry about anything high risk there.

My campus had had two large fraternity house fires where the houses burned down and people died, so we do pay more for our insurance on the actual house than other chapters. We do not buy insurance from a local person. Our insurance goes through our national HQs, and each chapter pays for that. There is no insurance done locally. That's the beauty of having a national organization with a development corporation.

So to answer your question, we don't have high risk, other than the fires. Sororities don't pay nearly as much as fraternities. In our national, the average cost per sister for coverage is about $15. Just goes along again with the risk that fraternities have incurred that sororities haven't.