Coverages
You can’t become an effective risk manager without understanding your coverage. We make it simple.
general liability coverage
Your organization’s General Liability insurance program covers bodily injury, property damage, and personal injury for chapter members, officers, volunteers, and more.
crime & embezzlement coverage
If funds go missing, what recourse do you have? Crime coverage helps to minimize the impact of employee crime.
D&O and EPL coverage
Directors & Officers coverage protects the members of your boards and others in leadership positions. Employment Practices Liability coverage applies to any director, officer, employee, or volunteer of your organization.
workers’ compensation coverage
When an employee is injured on the job, Workers’ Compensation Insurance provides coverage for medical costs, lost wages, and disability expenses—no matter who’s at fault.
property coverages
We cover your properties top to bottom, with all coverage clauses written to include all risk, including coverage for the replacement cost of your property.
non-owned & hired auto coverage
Your policy includes liability coverage for the cars you drive for tasks related to your organization—whether those cars are the drivers’ own or are leased, hired, rented, or borrowed.
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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.
