[hoosier]

If you don't have insurance, you and every undergraduate member. and their parents, and every advisor, and maybe even every alumnus, is likely to be sued for big money if something happens.

Sure, they could sue you, but you have little or nothing, so they sue the parents of the richest kid in the chapter, or the chapter advisor who owns some property in town, or the richest alumnus.

And they're likely to win.

When you get to court, and the dead pledge's little 11-year-old brother and his 12-yr.-old sister are crying on the wittness stand about how they loved the victim, and his mother tells how he had dreamed for years of being a missionary to Africa, you're going to lose.

Sure, the victim drank a lot of booze at a chapter party, and he fell off the balcony at the dorm six hours after leaving the house, and nobody knows where he was for six hours, you're still going to lose.

And there are some bruises on his fanny - and their lawyer says the
evidence proves these bruises came from paddling - you're guilty of hazing too.

And he pulls out the campus rule book - "No alcohol in chapter houses."

He pulls out your NGLO rules - "No alcohol, no hazing"

And he pulls out police reports for the past five years, and cops have been to your house five times.

What is your defense? "We loved him, he was going to be a brother in three weeks. Everybody in the chapter has been paddled, and we all loved it. It was an accident."

Every GLO has national rules against hazing and boozing. Until the undergrads obey these bans, and we go five years without a hazing or boozing death or injury, your insurance is going up, and you have no choice but to pay up or go out of business.