Brotherhood, Sisterhood, and the Risk That Comes With It.
Protecting Greek-letter organizations, their chapters, and their houses
Fraternities and sororities carry a risk profile unlike almost any other membership organization, and it concentrates around one word: hazing. A hazing incident can cause catastrophic injury or death, and the lawsuits that follow name the chapter, its officers, the national organization, and sometimes individual members — in claims that are emotionally charged, expensive, and widely publicized. Around that defining exposure sit the realities of Greek life: events and parties where alcohol flows, chapter houses full of student members, member and guest injuries, sexual-misconduct allegations, and volunteer student leaders making decisions with real liability attached. Most standard policies were never built for any of it, which is why this coverage is specialized.
Insuring a fraternity or sorority is about protecting an organization whose biggest risks are social, physical, and reputational at once.
Key Risks in Operations
Hazing and the catastrophic-injury litigation that follows — the signature exposure
Event and liquor liability from parties and social functions
Sexual-misconduct and abuse allegations
Chapter-house property, fire, and habitational exposure
Member and guest bodily injury
Management liability for student officers and chapter leadership
National-organization and inter-chapter exposure
Hazing sits at the center of the risk and shapes everything around it.
Core Coverages
General Liability — Covers bodily injury and property damage at chapter events, houses, and functions — the foundation of the program.
Hazing / Abuse Liability — Responds to hazing and abuse claims — the defining and most severe exposure, frequently excluded from standard forms.
Host Liquor / Liquor Liability — Covers claims arising from alcohol at parties, socials, and events.
Chapter-House Property — Covers the house, contents, and habitational exposure where the chapter owns or occupies a residence.
Directors & Officers / Management Liability — Protects student officers, chapter leadership, and the organization against management-liability claims.
Sexual Misconduct Liability — Addresses misconduct allegations involving members or guests.
Workers' Compensation, Cyber, Umbrella / Excess Liability — Round out the program for any staff, member data, and the large limits hazing claims demand.
What's Commonly Overlooked
Fraternity and sorority programs are often weakened by:
Hazing and abuse coverage excluded or sublimited despite being the top exposure
Host-liquor liability missing for events where alcohol is present
Chapter-house property written as ordinary housing, ignoring the group-living risk
No management liability for student officers making real decisions
Coverage that doesn't coordinate the chapter, house corporation, and national organization
These gaps typically surface at claim time — not before.
A hazing incident causes a catastrophic injury or death
A guest is injured at a party where alcohol was served
A sexual-misconduct allegation is filed involving members
A fire or injury occurs at the chapter house
A student officer faces a management-liability claim
A single hazing claim can exceed the limits of an unprepared program.
Why Proper Placement Matters
Coverage varies significantly based on:
Whether hazing and abuse are affirmatively covered or excluded
Event, social, and alcohol practices
Whether the chapter owns, leases, or occupies a house
How the chapter, house corporation, and national organization coordinate
Risk-management and anti-hazing programs in place
Improper placement can leave the hazing exposure — the organization's defining risk — uninsured.
Our Approach
At Cory Washington & Co., we build fraternity and sorority programs around the exposure that actually threatens the organization — hazing — then layer event, liquor, property, and management-liability coverage so a single incident is answered across the chapter, the house, and the national body. For related organizations, see our student housing, membership and trade association, and school pages.
Protect the brotherhood and sisterhood — and the organization behind them.
All insurance descriptions on this website are provided by Cory Washington & Co. LLC strictly for general informational purposes. They are not intended to be, and should not be relied upon as, legal, financial, or insurance advice. The information presented is general in nature and does not guarantee the availability, terms, conditions, or scope of any insurance coverage. Actual coverage is determined solely by the specific policy language issued by the insurer and remains subject to underwriting approval. Nothing on this website creates or implies an agent-client relationship, binds coverage, or alters any existing policy. Cory Washington & Co. LLC expressly disclaims any liability for actions taken, or not taken, based on the content provided here. For advice regarding your particular situation, please consult directly with a licensed insurance professional at Cory Washington & Co. LLC or another qualified insurance professional, and always review your policy documents in full.
See the coverages a fraternity & sorority business may carry — core, prevalent, and situational — plus the gap most often missed, in the Fraternity & Sorority Coverage Checklist.
Complete the Fraternity & Sorority Supplemental online in a few guided steps, download the fillable PDF, or browse all applications.
Frequently Asked Questions
How do I get fraternity & sorority insurance through Cory Washington & Co.?
Request a quote or contact our team. We start with a short conversation about your operations, analyze your exposures, then negotiate fraternity & sorority insurance across multiple carriers that compete for your account and present options with the trade-offs explained. Cory Washington & Co. LLC is licensed in all 50 states.
What drives the cost of fraternity & sorority insurance?
There is no flat rate. The cost of fraternity & sorority insurance reflects your industry, your size (payroll and revenue), your claims history, and the limits and deductibles you choose. We market your account to multiple carriers, compare the real quotes side by side, and explain what is driving each number so you can weigh coverage against price with confidence.
Do I need fraternity & sorority insurance?
Requirements vary. Fraternity & sorority insurance may be mandated by statute, or required under your contracts, leases, or loan agreements — and in many cases it is simply prudent given the risks involved. We look at your specific obligations and exposures, then recommend the coverage and limits that fit.
What if another agency has already declined or non-renewed my coverage?
Difficult, specialty, and previously-declined placements are a core part of our work. We access excess & surplus (E&S) and specialty markets that many generalist agencies cannot, and we explain the trade-offs clearly so you can decide with confidence.
Available in all 50 states. See how requirements differ in California, Texas, Florida, New York, or choose your state.