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Find your own insurance company
"I do think it is unfair that a chapter which does follow the
rules, has never had a liability claim, has never had "the
cops" visit, etc. must pay ever higher premiums."
Probably, in fact, there is a one claim policy. If your chapter has a claim, you're gone.
There may be a few cases, but usually a chapter which has a major injury or death doesn't have a history of minor injuries.
And if you think your chapter and your members and your programs justify a lower insurance rate, try to find an insurance company which will:
1 - believe you
2 - sell to you
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