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I think you overlook one important thing (among others). Without the overall "group" buying power of your national organization, insurance would probably cost MUCH more. In fact, it would probably be out of reach for most locals.
The "crackdown" if you will, on things like hazing and underage drinking is in response to those rising liability costs.
If you need proof of this, just take a look at the Risk Management forum.
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Fraternally,
DeltAlum
DTD
The above is the opinion of the poster which may or may not be based in known facts and does not necessarily reflect the views of Delta Tau Delta or Greek Chat -- but it might.
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