Amen to what you both have said!
But sometimes trying to point out the responsability to the Young Men and Women is like blowing smoke in a tornado.
My chapter does a mentoring session each semester to work with and point out not only rushing, marketing, studying, but strong on Risk Management.
We are having a session the 23/24 of this month. The old house is to be torn down by the 18 th! New plans will be shown. But I hope when these are shown, they will understand the responsability that goes a long with it!
As to the Insurance company you are refering to, I never heard of it, so must go a long ways back! We have always done Lloyds to my knowledge! As far as the Chapter House, we go to an out source or our own contact Insurance Co.