FAQs

Automobile Liability

  • If I drive my personal automobile on fraternity/sorority business, will I be covered by the fraternity/sorority policy?
  • What is your risk management position on 15-passenger vans?

Certificates of Insurance

  • I have an Insurance Overview that shows that we have coverage. Can I use it when asked for a Certificate of Insurance?
  • How long does it take to process a Certificate of Insurance?
  • I have a Certificate of Insurance that I received for an event that we had last month. Can I use it again for an event that is being held next week?
  • Does MJ Insurance approve events?

General Liability Questions

  • What should I look for when reviewing a contract for an event or with a contractor?
  • How do you recommend that we handle chapter members with food allergies?
  • Can we use personal homes for sorority events?
  • What happens when a liability incident occurs?
  • Are there liability concerns associated with having exercise equipment at the chapter house?
  • Who is covered under the insurance program?
  • What is your position on scavenger hunts?
  • Are all activities covered by the insurance policies?
  • Is the exposure for alcohol-related activities covered by the insurance program?
  • If I am injured during a sponsored event or at the chapter house, will the organization's insurance policy pay for my injuries?
  • What are the risk management issues to consider with "house boys?"
  • We are renting a venue that will be serving alcohol. Is evidence of their state liquor license sufficient?
  • Should we use liability waivers for chapter activities?
  • I need a Certificate of Insurance for a third party...what next?
  • What is your position on off-duty security guards?
  • What insurance implications are there to chapter babysitting programs?

Miscellaneous Questions

  • Do you have any materials that our chapter could use for an upcoming risk management presentation?
  • Are there any concerns with collecting member or volunteer's social security numbers?
  • We have an employee who was accused of a previous embezzlement at her prior employer. We have put in place strong controls with the employee to ensure that no funds are stolen. Is there anything else we should do?
  • We have an employee who was accused of a previous embezzlement at her prior employer. We have put in place strong controls with the employee to ensure that no funds are stolen. Is there anything else we should do?
  • What is the insurance position on installing ATMs at the chapter property?
  • Are alumnae allowed to stay at the chapter house overnight or for events?
  • What is your position on hoverboards?
  • What is the risk management position on collegiate chapter members and chapter advisors serving on a local house corporation board?

Property Questions

  • How do we know if we have an adequate limit of insurance for Loss of Income and Extra Expense coverage?
  • What is your position on candle warmers?
  • What is replacement cost value?
  • What types of items should be inspected annually at the chapter house?
  • Are chapter members allowed to use the commercial chapter kitchen?
  • Is a member resident's personal property covered under the insurance program?
  • How do I find out the flood zone for our chapter house?
  • Are there any insurance recommendations in terms of using outdoor grills?
  • Are there any insurance recommendations for outdoor fire pits or fireplaces?
  • We have a boiler in our chapter house and there appears to be some type of tag with an expiration date on it. What obligations do we have as a property owner with this item?
  • How often should our smoke detectors be changed?
  • We have a boiler in our chapter house and there appears to be some type of tag with an expiration date on it. What obligations do we have as a property owner with this item?
  • Do you recommend installing video cameras?
  • What is your position on bunk beds?
  • Are House Corporation officers allowed to search resident's room?
  • What is your position on candles in the chapter house?
  • Can chapter members leave their personal property at the chapter house during summer break?
  • What should each House Corporation do on a regular basis to maintain the replacement value when new furniture has been purchased and should we inform the insurance agent of major purchases?
  • What is MJ's opinion of hot plates, indoor grills (e.g. George Foreman), etc.?
  • If property is stored off premises, it is still covered under the insurance policy?
  • What is the insurance position on the use of space heaters in the chapter house?
  • What is the difference between NFPA 13 and NFPA 13R?
  • Should we use Keurig or other similar appliances in the chapter house?
  • Are there any insurance recommendations regarding crock pots or slow cookers?

Risk Control

  • What is the insurance recommendation regarding the fire rating of doors?
  • What recommendations do you have regarding heat sensors?
  • Is there an insurance recommendation regarding self-closing doors?
  • What should we know about carbon monoxide poisoning?

Employee/Employer

  • Are we allowed to have volunteers work at the chapter house?
  • Do we have to provide workers' compensation coverage to our employees?
  • How do I determine if an individual is an employee or if he/she is an independent contractor?
  • What is considered compensation that I will need to report to the insurance company as our exposure?
  • Do you have a referral list of doctors near me for workers' compensation claims?
  • Do you have resources for injured workers?
  • What are the risk management considerations of hiring members as employees?