Fraternity & Sorority Insurance Coverage Checklist
The coverages a fraternity & sorority business may carry — core, prevalent, and situational — why each matters, and the gap most often missed.
Pull out your current policy and check the box next to any coverage you can confirm is already in place — anything unchecked is worth a quick conversation with your advisor. Coverage checklist for college fraternity and sorority chapters and their house corporations. Priorities reflect typical exposure for this class; confirm against your national program and university requirements.
Tick each coverage you can confirm you carry — anything left unticked is a good question for your next policy review.
| Have it? | Coverage | Why this business needs it | Priority |
|---|---|---|---|
| General Liability (incl. hazing & alcohol) | Covers chapter events and conduct — confirm hazing and alcohol are not excluded. | Core | |
| Sexual Misconduct / Abuse Liability | Covers claims of sexual assault at chapter events or the house. | Core | |
| Property (Chapter House) | Covers the house and contents; older wood-frame houses carry fire risk. | Core | |
| Umbrella / Excess Liability | Adds limits; wrongful death and serious injury claims can run into millions. | Core | |
| Directors & Officers Liability | Covers house corporation boards and chapter officers for management decisions. | Prevalent | |
| Host Liquor Liability | Covers claims from alcohol at events; confirm it applies to third-party venues. | Prevalent | |
| Workers' Compensation | Covers house directors, cooks, and other paid staff. | Prevalent | |
| Crime / Fidelity | Covers theft of dues and house funds by treasurers or officers. | Prevalent | |
| Accident Medical (Members) | Pays members' medical bills from chapter activities regardless of fault. | Situational | |
| Hired & Non-Owned Auto | Covers members driving for chapter trips and errands. | Situational |
The coverage gap most often missed
The gap most often missed by fraternity and sorority chapters is who is actually insured, and for what. Hazing and alcohol suits name the national organization, the chapter, and individual members; a $28 million suit over a VCU pledge's death settled in 2024 against all three. Some policies exclude hazing, alcohol, or sexual misconduct, or do not cover members individually. Confirm none of those exclusions apply, that members and officers are insureds, and that coverage meets your university's requirements.
Send us the checklist and we'll review your fraternity & sorority coverage line by line, then market it across multiple carriers that compete for your account.
Related: Fraternity & Sorority Insurance · Fraternity & Sorority Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a fraternity & sorority business need?
The core coverages for a fraternity & sorority business are General Liability (incl. hazing & alcohol), Sexual Misconduct / Abuse Liability, Property (Chapter House), Umbrella / Excess Liability. This checklist also lists the prevalent and situational coverages worth considering, with a plain-English note on why each matters.
Is this checklist insurance advice?
No. It is a free educational tool to help you have a more informed conversation with a licensed professional. It affords no coverage and is not insurance, legal, or financial advice — only your actual policy language governs what is and isn't covered.
Can Cory Washington & Co. review my fraternity & sorority coverage?
Yes. Share your checklist and we'll review your program line by line, market your account across multiple carriers, and explain the trade-offs in plain English. Cory Washington & Co. LLC is licensed in all 50 states.
This checklist is a free educational tool from Cory Washington & Co. to help you review your own coverage and have a more informed conversation with a licensed insurance professional. It is general information only — not insurance, legal, or financial advice, and not a recommendation to buy, change, or cancel any policy. Coverage terms, availability, limits, and requirements vary by policy, carrier, and state, and only the language in your actual policy governs what is and isn’t covered. Checking or leaving blank any item above does not indicate that you are adequately insured or under-insured. Using this checklist does not create a client, agency, or fiduciary relationship. Always consult a licensed professional about your specific situation.