General Liability Insurance Program
Alpha Sigma Phi Fraternity
headquarters address: 710 Adams Street, Carmel, Indiana 46032-7541 I phone: 317.843.1911 I fax: 317.843.2966 I web: alphasigmaphi.org
Alpha Sigma Phi Fraternity insurance program provides Blanket Public General Liability Coverage.
The coverage is for bodily injury, property damage and personal injury. This protects the local undergraduate chapter, its officers and members, house corporations, alumni associations and chapter related educational foundations including appointed volunteers, from claims arising out of bodily injury and property damage occurring out of chapter operations. It also protects against claims arising out of libel, slander, false arrest, invasion of privacy, eviction from the premises, consumption of food and beverages and incidental malpractice.
It must be understood that our coverage is for general public liability. It is not accident insurance covering members and new members or potential members for injuries sustained on the chapter premises and/or in chapter activities. Liability insurance is not a substitute for medical insurance. Furthermore, it is not Workers’ Compensation insurance which may be required for Fraternity employees.
Policy overview of Alpha Sigma Phi Fraternity Coverage includes:
1. COMMERCIAL GENERAL LIABILITY
Covers liability arising out of Fraternity premises and operations.
2. HIRED & NON-OWNED AUTOMOBILE LIABILITY COVERAGE
Applies to the situation when a chapter member, chapter employee or volunteer alumnus driving his own car on fraternity business is involved in an accident. Intended to only cover entities of Alpha Sigma Phi Fraternity and individuals not involved in the accident. Intent is not to provide auto liability coverage to those who are not prudent enough to purchase their own auto liability policy. The auto insurance of the driver or auto owner will be the primary insurance coverage.
3. PRODUCTS/COMPLETED OPERATIONS LIABILITY
Covers preparation and consumption of food and beverages.
4. PERSONAL INJURY & ADVERTISING INJURY
Covers libel, slander, defamation of character, false arrest, detention, malicious prosecution, wrongful entry or eviction, invasion of privacy.
5. CONTRACTUAL LIABILITY COVERAGE
Under certain circumstances, the liability coverage of Alpha Sigma Phi Fraternity insurance contract is extended to protect other parties with whom an Alpha Sigma Phi Fraternity chapter may enter into a contractual agreement. No contract should be signed by any entity/chapter of Alpha Sigma Phi Fraternity, without complete understanding of liabilities being assumed and insurance coverage, if any, that is provided. When any questions arise, please contact your chapter advisor or the National Headquarters of Alpha Sigma Phi Fraternity.
6. WATERCRAFT LIABILITY
Covers hired and non-owned boats/watercraft providing it is less than 52 feet in length.
The following description is a summary only and is not intended to serve as a substitute for the actual insurance contract.
If you have an additional questions regarding the general liability insurance program, please contact Alpha Sigma Phi Headquarters.
headquarters address: 710 Adams Street, Carmel, Indiana 46032-7541 I phone: 317.843.1911 I fax: 317.843.2966 I web: alphasigmaphi.org
7. INCIDENTAL MEDICAL MALPRACTICE
Covers liability that arises against an insured chapter or an individual who provides emergency medical care for injuries on or off our premises.
8. DAMAGE TO PREMISES YOU RENT
$1,000,000 damage to premises you rent. This is not a substitute for property insurance. Damage to premises you rent liability coverage provides coverage for liability arising against your Fraternity out of fire damage to a non-owned premises rented for any period of time as well as other damage to a premises you rent for 7 or less days.
9. WORLDWIDE COVERAGE
Coverage worldwide for suits brought in the United States.
10. HOST LIQUOR LIABILITY
Provides coverage when providing alcoholic beverages at no charge to those of legal drinking age. If you are found to be in the practice of manufacturing, distributing, selling, serving or furnishing alcoholic beverages, or if minors are involved, your coverage and protection is jeopardized.
Policy details
Under the Fraternity’s General Liability Insurance and the separate Director and Officer Liability policy, all active members of the chapter and the listed officers of all affiliate groups are covered under these policies—as long as the officers are operating under the scope of their positions in compliance with the National Constitution, Bylaws and Policies. No other alumni are covered by these policies. All other alumni are covered under their personal liability insurance.
At Chapter Events, officers of affiliate organizations only have Fraternity liability coverage, if they are performing in the scope of their organizational officer position. Attendance as an alumnus does not qualify for Fraternity liability coverage. In this case their personal liability insurance would be in play.
Here is an excerpt from the Volunteer Handbook which was taken from our General Insurance Liability policy.
WHO IS COVERED?
Alpha Sigma Phi Fraternity maintains sufficient insurance coverage to handle claims
for the following organizations and/or people:
§ The local undergraduate chapter that is chartered and recognized by the
Fraternity, when it obeys the laws of the institution, city, county, state
and country in which it operates, and the policies of Alpha Sigma Phi
Fraternity. Undergraduate chapter officers, executive committee,
committee chair and members while performing the duties of elected or
appointed positions within the organization.
§ House Corporations, Householding Corporations, Chapter Education
Foundations, House Associations, Alumni Control Boards, Alumni
Advisory Boards, Alumni Associations, Alumni Corporations, Alumni
Chapters, Board of Advisors, Board of Governors, executive Councils and
Parents Clubs, but only while acting within the scope of their duties on
behalf of Alpha Sigma Phi Fraternity.
§ Officers, Directors, Trustees, Partners, Coordinators, Custodians,
Committee Members, Council Members, Volunteers, Housemothers,
Resident Advisors, Faculty Advisors, Fraternity Members, Member
Candidates (Pledges), and Employees but only while acting within the
scope of their duties on behalf of Alpha Sigma Phi Fraternity.
THIS INSURANCE POLICY DOES NOT COVER:
§ Any individual member, alumnus, trustee or advisor who is performing
tasks outside of his responsibility (i.e., spontaneous social function
planned by an individual member, chapter advisor consuming alcohol
with undergraduates, hazing of members, etc.)
§ Any member whose illegal or intentional actions result in property
damage, or injury or death to an individual
§ Members’ parents or family members and guests of chapter members
§ College/University administration