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Local Chapter Insurance
Hi all,
I'm the president of a local chapter at a small liberal arts school with entirely local Greek organizations (with the exception of two national frats). Up until this year we have been covered under the university's liability insurance. The Greek organizations were recently informed that the university will be removing us from their insurance plan to save money, and we're now expected to find our own policies.
The higher-ups at the university are advising policies covering up to $5-10 million dollars in claims, which means we'd be paying thousands of dollars a year, and frankly that's money we just don't have. Our dues are only $300 a year, and that's already a pretty steep barrier to accessibility for a lot of people, and while we have a healthy bank account right now this new change would wipe it out within two years. All the chapters are facing the same problem - we don't have the resources of big national organizations.
All of our research into agencies that might provide this type of insurance at a reasonable cost has hit a dead end so far - every place we've found will only cover national organizations or is not communicating. The university's suggestions have been pretty much useless and consist mainly of "ask your alumni chapters to help" or "just recruit more people", and they haven't provided any other leads or advice. We've resorted to reaching out to other local chapters at other schools over Instagram and asking what they're doing.
This might be a long shot, but is there anyone here who might know about this kind of thing or know of an agency that covers local chapters? We're in the Midwest, if that's useful.
Thank you!
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