Coverages

You can’t become an effective risk manager without understanding your coverage. We make it simple.

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You can’t become an effective risk manager without understanding your coverage. We want to make that as easy as possible.

FAQs

Have questions about what’s included in your coverage? Visit our FAQ page for answers to these questions and more.

Who is covered under the insurance program?
The policy defines an insured as the Fraternity/Sorority, Foundation, House Corporations, Chapters, Colonies and Alumnae Associations.
What happens when a liability incident occurs?
Any type of incident should be reported immediately to MJ Insurance. Officers and members will be interviewed by the insurance company to uncover the details of the incident.
Are all activities covered by the insurance policies?
The General Liability policy covers premises, as well as operations liability. Premises liability means that coverage exists for claims arising on owned or rented property. Operations liability means that coverage exists for any typical event that is held off premises.
Is the exposure for alcohol-related activities covered by the insurance program?
Under the insurance program, the fraternity/sorority is covered under host liquor liability coverage, which is similar to the type of coverage under a homeowner’s policy.
Is the exposure for alcohol-related activities covered by the insurance program?
Under the insurance program, the fraternity/sorority is covered under host liquor liability coverage, which is similar to the type of coverage under a homeowner’s policy.
When do we need to increase our property insurance?
Typically, property insurance should increase whenever there are physical changes made the house, including renovations, additions, fire safety equipment, or leak detection.
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