Insurance for Locals?

[Tim N]

Where do locals get insurance?
My chapter was part of a national for over 100 years but had to break with national in 2000 when they went dry and were rechartered as a local. Nothing really changed- we learn the same stuff and have the same traditions. The change was only on paper. Recently, a lawsuit (some kid got punched by a bouner we hired) filed against us caused the school to look more closely at the insurance policies of greek houses. Ours, which is from Essex, has a pretty broad alcohol exclusion, which means we cant register kegs or technically even have alcohol in social spaces. This is the reason we broke with our national in the first place. Since we are in a section of a dorm (as most fraternities at my scchool are now) we cant hide our alcohol. Who do you use for insurance and do they cover alcohol?