Resource Library
Our resource library is full of helpful information about sorority risk management. From emergency planning to insurance programs to tax issues, we have you covered.
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News & Notes: March 2023
This edition of the monthly MJ Sorority newsletter covers the following topics: spring weather resources, important update about sprinkler credit, risky activities, Housing Forum session from Dr. Marlon Gibson, mental heath webinar, FAQ about workers’ compensation, and more.

Liability Case Study: Homecoming Float Claim
Scenario A member was injured while climbing onto the sorority’s homecoming float. The member was walking along side the float with other members. The float was towards the back of the parade and was starting to fall behind. The walkers were instructed to board the float to speed up the procession. While the member was boarding the float, the driver accelerated. The member was […]

Liability Case Study: Policy Infraction
Scenario A member was injured at a chapter event when she stepped on a piece of glass that was on the dance floor and sustained a laceration to her foot. There was a sign posted at the bar stating that no glass bottles were to be taken onto the dance floor. It was discovered that […]

Liability Case Study: Bus Incident
Scenario The chapter hired two buses to take their members and guests to and from an event. One bus had security, but the senior bus did not. On the senior bus, a fight broke out between two members’ boyfriends. One of the young men sustained a broken nose, as well as other facial fractures during […]

Participant waiver template for COVID-19
Should you wish to use a waiver to attempt to release your organization from COVID-19 related claims, our in-house attorney created this template for MJ Sorority clients’ use. For more information on our position on waivers, please refer to our position paper.

Position Paper: Fundraising at sporting events
We have seen an increase in the number of requests from the collegiate chapters to participate in the concession area for an athletic event at the sports stadiums.The requests generally come about because the company managing the concessions wants the group to show evidence of insurance; thus a request to us for a Certificate of […]

Liability Case Study: Post-event Incident
Two members attended a semi-formal event in which alcohol was served by a third-party vendor. Both members were over 21 and reportedly had been drinking at the event. It is believed that they were walking home from the party and became disoriented and lost. One member tripped and fell as she walked into the street. […]

Digging Deeper: Non-Owned & Hired Automobile Coverage
Non-Owned Automobile Liability is the most commonly misunderstood coverage in the Sorority Book of Business. Non-Owned Automobile Liability is designed to protect the organization for the risk of being named in a lawsuit involving an automobile. It does not protect individuals who are driving on behalf of the Sorority/Fraternity. Non-Owned and Hired automobiles are automatically […]

News & Notes: March 2023
This edition of the monthly MJ Sorority newsletter covers the following topics: spring weather resources, important update about sprinkler credit, risky activities, Housing Forum session from Dr. Marlon Gibson, mental heath webinar, FAQ about workers’ compensation, and more.

Liability Case Study: Homecoming Float Claim
Scenario A member was injured while climbing onto the sorority’s homecoming float. The member was walking along side the float with other members. The float was towards the back of the parade and was starting to fall behind. The walkers were instructed to board the float to speed up the procession. While the member was boarding the float, the driver accelerated. The member was […]

Liability Case Study: Policy Infraction
Scenario A member was injured at a chapter event when she stepped on a piece of glass that was on the dance floor and sustained a laceration to her foot. There was a sign posted at the bar stating that no glass bottles were to be taken onto the dance floor. It was discovered that […]

Liability Case Study: Bus Incident
Scenario The chapter hired two buses to take their members and guests to and from an event. One bus had security, but the senior bus did not. On the senior bus, a fight broke out between two members’ boyfriends. One of the young men sustained a broken nose, as well as other facial fractures during […]

Participant waiver template for COVID-19
Should you wish to use a waiver to attempt to release your organization from COVID-19 related claims, our in-house attorney created this template for MJ Sorority clients’ use. For more information on our position on waivers, please refer to our position paper.

Position Paper: Fundraising at sporting events
We have seen an increase in the number of requests from the collegiate chapters to participate in the concession area for an athletic event at the sports stadiums.The requests generally come about because the company managing the concessions wants the group to show evidence of insurance; thus a request to us for a Certificate of […]

Liability Case Study: Post-event Incident
Two members attended a semi-formal event in which alcohol was served by a third-party vendor. Both members were over 21 and reportedly had been drinking at the event. It is believed that they were walking home from the party and became disoriented and lost. One member tripped and fell as she walked into the street. […]

Digging Deeper: Non-Owned & Hired Automobile Coverage
Non-Owned Automobile Liability is the most commonly misunderstood coverage in the Sorority Book of Business. Non-Owned Automobile Liability is designed to protect the organization for the risk of being named in a lawsuit involving an automobile. It does not protect individuals who are driving on behalf of the Sorority/Fraternity. Non-Owned and Hired automobiles are automatically […]

10 Tips to Reduce Distracted Driving
More than 40,000 Americans died on the roads in 2016, the most significant increase in deaths over a two-year period in more than 50 years.1 Whether someone you love has been known to text and drive, or you have found yourself distracted behind the wheel, these tips can help avoid dangerous activity on the road. Stow […]

Workers’ Compensation Case Study
Scenario The employee fell on the ramp outside the house and injured his leg. The insured disputed the employee’s injury because he was working the next day and was not limping. The injured employee then told the insured he would be off work because the doctor did not know the full extent of his injury […]

Digging Deeper: Non-Owned & Hired Automobile Coverage
Non-Owned Automobile Liability is the most commonly misunderstood coverage in the Sorority Book of Business. Non-Owned Automobile Liability is designed to protect the organization for the risk of being named in a lawsuit involving an automobile. It does not protect individuals who are driving on behalf of the Sorority/Fraternity. Non-Owned and Hired automobiles are automatically […]

Share the Road
By Travelers Risk Control We have all encountered scenarios in which other drivers make us shake our heads. People often are quick to accuse other drivers of being reckless, but if pressed, they may admit to sometimes driving recklessly themselves. If unsafe driving is everyone’s problem, what is the solution? Our safety professionals have put together […]

7 Common Car Accidents and How to Help Avoid Them
Let’s face it: accidents happen. And when they do, you might be looking at car repairs and injuries as well as possible increases to your insurance premium. Safe driving can go a long way in keeping you and your family safe and your premium in check. Here are seven common car accidents and tips on […]

10 Tips to Reduce Distracted Driving
More than 40,000 Americans died on the roads in 2016, the most significant increase in deaths over a two-year period in more than 50 years.1 Whether someone you love has been known to text and drive, or you have found yourself distracted behind the wheel, these tips can help avoid dangerous activity on the road. Stow […]

Workers’ Compensation Case Study
Scenario The employee fell on the ramp outside the house and injured his leg. The insured disputed the employee’s injury because he was working the next day and was not limping. The injured employee then told the insured he would be off work because the doctor did not know the full extent of his injury […]

Digging Deeper: Non-Owned & Hired Automobile Coverage
Non-Owned Automobile Liability is the most commonly misunderstood coverage in the Sorority Book of Business. Non-Owned Automobile Liability is designed to protect the organization for the risk of being named in a lawsuit involving an automobile. It does not protect individuals who are driving on behalf of the Sorority/Fraternity. Non-Owned and Hired automobiles are automatically […]

Share the Road
By Travelers Risk Control We have all encountered scenarios in which other drivers make us shake our heads. People often are quick to accuse other drivers of being reckless, but if pressed, they may admit to sometimes driving recklessly themselves. If unsafe driving is everyone’s problem, what is the solution? Our safety professionals have put together […]

7 Common Car Accidents and How to Help Avoid Them
Let’s face it: accidents happen. And when they do, you might be looking at car repairs and injuries as well as possible increases to your insurance premium. Safe driving can go a long way in keeping you and your family safe and your premium in check. Here are seven common car accidents and tips on […]

10 Tips to Reduce Distracted Driving
More than 40,000 Americans died on the roads in 2016, the most significant increase in deaths over a two-year period in more than 50 years.1 Whether someone you love has been known to text and drive, or you have found yourself distracted behind the wheel, these tips can help avoid dangerous activity on the road. Stow […]

Liability Case Study: Homecoming Float Claim
Scenario A member was injured while climbing onto the sorority’s homecoming float. The member was walking along side the float with other members. The float was towards the back of the parade and was starting to fall behind. The walkers were instructed to board the float to speed up the procession. While the member was boarding the float, the driver accelerated. The member was […]

Liability Case Study: Policy Infraction
Scenario A member was injured at a chapter event when she stepped on a piece of glass that was on the dance floor and sustained a laceration to her foot. There was a sign posted at the bar stating that no glass bottles were to be taken onto the dance floor. It was discovered that […]

Liability Case Study: Bus Incident
Scenario The chapter hired two buses to take their members and guests to and from an event. One bus had security, but the senior bus did not. On the senior bus, a fight broke out between two members’ boyfriends. One of the young men sustained a broken nose, as well as other facial fractures during […]

Directors & Officers: Membership Termination #2
Scenario After going through the organization’s appeal process in an attempt to have her membership reinstated, a former member filed a lawsuit alleging fraud and breach of contract. The lawsuit alleged that the organization failed to follow their own internal rules and procedures in terminating the plaintiff’s membership. Throughout the appeal process and the lawsuit, […]

Directors & Officers: Membership Termination
Scenario Two former members accused of hazing alleged that they were not given the required due process in their inappropriate dismissal from the organization. An actual lawsuit was not filed in the matter. A claim was submitted and the insurance carrier assigned defense counsel who worked with the claimants’ attorney to prove to him that […]

Digging Deeper: Non-Owned & Hired Automobile Coverage
Non-Owned Automobile Liability is the most commonly misunderstood coverage in the Sorority Book of Business. Non-Owned Automobile Liability is designed to protect the organization for the risk of being named in a lawsuit involving an automobile. It does not protect individuals who are driving on behalf of the Sorority/Fraternity. Non-Owned and Hired automobiles are automatically […]

Share the Road
By Travelers Risk Control We have all encountered scenarios in which other drivers make us shake our heads. People often are quick to accuse other drivers of being reckless, but if pressed, they may admit to sometimes driving recklessly themselves. If unsafe driving is everyone’s problem, what is the solution? Our safety professionals have put together […]

7 Common Car Accidents and How to Help Avoid Them
Let’s face it: accidents happen. And when they do, you might be looking at car repairs and injuries as well as possible increases to your insurance premium. Safe driving can go a long way in keeping you and your family safe and your premium in check. Here are seven common car accidents and tips on […]

10 Tips to Reduce Distracted Driving
More than 40,000 Americans died on the roads in 2016, the most significant increase in deaths over a two-year period in more than 50 years.1 Whether someone you love has been known to text and drive, or you have found yourself distracted behind the wheel, these tips can help avoid dangerous activity on the road. Stow […]

Liability Case Study: Homecoming Float Claim
Scenario A member was injured while climbing onto the sorority’s homecoming float. The member was walking along side the float with other members. The float was towards the back of the parade and was starting to fall behind. The walkers were instructed to board the float to speed up the procession. While the member was boarding the float, the driver accelerated. The member was […]

Liability Case Study: Policy Infraction
Scenario A member was injured at a chapter event when she stepped on a piece of glass that was on the dance floor and sustained a laceration to her foot. There was a sign posted at the bar stating that no glass bottles were to be taken onto the dance floor. It was discovered that […]

Liability Case Study: Bus Incident
Scenario The chapter hired two buses to take their members and guests to and from an event. One bus had security, but the senior bus did not. On the senior bus, a fight broke out between two members’ boyfriends. One of the young men sustained a broken nose, as well as other facial fractures during […]

Directors & Officers: Membership Termination #2
Scenario After going through the organization’s appeal process in an attempt to have her membership reinstated, a former member filed a lawsuit alleging fraud and breach of contract. The lawsuit alleged that the organization failed to follow their own internal rules and procedures in terminating the plaintiff’s membership. Throughout the appeal process and the lawsuit, […]

Directors & Officers: Membership Termination
Scenario Two former members accused of hazing alleged that they were not given the required due process in their inappropriate dismissal from the organization. An actual lawsuit was not filed in the matter. A claim was submitted and the insurance carrier assigned defense counsel who worked with the claimants’ attorney to prove to him that […]

Digging Deeper: Non-Owned & Hired Automobile Coverage
Non-Owned Automobile Liability is the most commonly misunderstood coverage in the Sorority Book of Business. Non-Owned Automobile Liability is designed to protect the organization for the risk of being named in a lawsuit involving an automobile. It does not protect individuals who are driving on behalf of the Sorority/Fraternity. Non-Owned and Hired automobiles are automatically […]

Share the Road
By Travelers Risk Control We have all encountered scenarios in which other drivers make us shake our heads. People often are quick to accuse other drivers of being reckless, but if pressed, they may admit to sometimes driving recklessly themselves. If unsafe driving is everyone’s problem, what is the solution? Our safety professionals have put together […]

7 Common Car Accidents and How to Help Avoid Them
Let’s face it: accidents happen. And when they do, you might be looking at car repairs and injuries as well as possible increases to your insurance premium. Safe driving can go a long way in keeping you and your family safe and your premium in check. Here are seven common car accidents and tips on […]

10 Tips to Reduce Distracted Driving
More than 40,000 Americans died on the roads in 2016, the most significant increase in deaths over a two-year period in more than 50 years.1 Whether someone you love has been known to text and drive, or you have found yourself distracted behind the wheel, these tips can help avoid dangerous activity on the road. Stow […]

Building/Renovation Projects: What To Look For
Engaging in a building or renovation project is an exciting, albeit stressful, endeavor. In addition to the hundreds of decisions regarding design, budget, decorating, and other items, there are insurance and risk management concerns to consider in order to protect the House Corporation and the organization from loss.

News & Notes: April 2023
This edition of the monthly MJ Sorority newsletter covers the following topics: building projects, summer closing checklist, chapter house self-inspection form, sprinkler system update, Housing Forum replay with Marlon Gibson, PhD, cybersecurity webinar, what to look for when reviewing a contract FAQ, and more.

News & Notes: March 2023
This edition of the monthly MJ Sorority newsletter covers the following topics: spring weather resources, important update about sprinkler credit, risky activities, Housing Forum session from Dr. Marlon Gibson, mental heath webinar, FAQ about workers’ compensation, and more.

Workers’ Compensation Case Study
Scenario The employee fell on the ramp outside the house and injured his leg. The insured disputed the employee’s injury because he was working the next day and was not limping. The injured employee then told the insured he would be off work because the doctor did not know the full extent of his injury […]

Property Case Study: Fire Escape
Scenario According to a report completed by the Chapter Advisor, there were three chapter members conversing about the fire escape outside the window of the second floor. One member, who admitted she had previously been out on the escape, showed the other two new members that it was possible to go out onto the fire […]

Property Case Study: Sprinklers/Water Damage
Scenario A sprinkler head in a closet on the second floor went off resulting in water damage to the first and second floor, as well as the basement. The exact cause of the sprinkler head going off is not able to be determined. It is believed that the heat in the closet may have been […]

Property Case Study: Kitchen Fire
Scenario A member was using a deep fryer in the kitchen to heat oil. The member walked away to another room, and the fryer caught the cabinet and microwave on fire. The fire damage was contained to the kitchen. However, there was smoke damage throughout the house. Result A total of $47,972.09 was paid out […]

Property Case Study: Attic Fire
Scenario A fire broke out in the attic of the chapter house from what they believe was some insulation that fell between the wall and flooring landing on some wires and ignited. The attic was not sprinklered and sustained all of the damage below. However, as the claims progress in the cleaning up and repairing […]

Property Case Study: Subrogation Example
Subrogation – the legal process by which an insurance company, after paying a loss, seeks to recover the amount of the loss from another party who is legally liable for it. Scenario An extensive fire occurred on the top floor and roof of the chapter facility resulting in a total claim amount of $1,379,877. Due to […]

Property Case Study: Fire Escape #2
Scenario At a fraternity chapter house that was hosting a party, Jane Doe, chapter member, went out a second-floor door to a fire escape platform and fell through the hole, which provided a ladder access to the ground. There had been a previous fall from this fire escape at the chapter house in question, and […]

Earthquake protection, preparation, response and recovery
Contrary to public perception, earthquake preparedness is not just an issue in California. This resource from Travelers, the insurance company for MJ Sorority clients, offers tips to help protect your business before, during and after an earthquake.

Natural disaster risk management guide
Get information on preparing for natural disasters such as earthquakes, floods, tornados, hurricanes, wildfires, etc. This resource from Travelers, the insurance company for MJ Sorority clients, discusses exposure assessment, protection, planning and preparation, response, and recovery.

Digging Deeper: Non-Owned & Hired Automobile Coverage
Non-Owned Automobile Liability is the most commonly misunderstood coverage in the Sorority Book of Business. Non-Owned Automobile Liability is designed to protect the organization for the risk of being named in a lawsuit involving an automobile. It does not protect individuals who are driving on behalf of the Sorority/Fraternity. Non-Owned and Hired automobiles are automatically […]

Building/Renovation Projects: What To Look For
Engaging in a building or renovation project is an exciting, albeit stressful, endeavor. In addition to the hundreds of decisions regarding design, budget, decorating, and other items, there are insurance and risk management concerns to consider in order to protect the House Corporation and the organization from loss.

News & Notes: April 2023
This edition of the monthly MJ Sorority newsletter covers the following topics: building projects, summer closing checklist, chapter house self-inspection form, sprinkler system update, Housing Forum replay with Marlon Gibson, PhD, cybersecurity webinar, what to look for when reviewing a contract FAQ, and more.

News & Notes: March 2023
This edition of the monthly MJ Sorority newsletter covers the following topics: spring weather resources, important update about sprinkler credit, risky activities, Housing Forum session from Dr. Marlon Gibson, mental heath webinar, FAQ about workers’ compensation, and more.

Workers’ Compensation Case Study
Scenario The employee fell on the ramp outside the house and injured his leg. The insured disputed the employee’s injury because he was working the next day and was not limping. The injured employee then told the insured he would be off work because the doctor did not know the full extent of his injury […]

Property Case Study: Fire Escape
Scenario According to a report completed by the Chapter Advisor, there were three chapter members conversing about the fire escape outside the window of the second floor. One member, who admitted she had previously been out on the escape, showed the other two new members that it was possible to go out onto the fire […]

Property Case Study: Sprinklers/Water Damage
Scenario A sprinkler head in a closet on the second floor went off resulting in water damage to the first and second floor, as well as the basement. The exact cause of the sprinkler head going off is not able to be determined. It is believed that the heat in the closet may have been […]

Property Case Study: Kitchen Fire
Scenario A member was using a deep fryer in the kitchen to heat oil. The member walked away to another room, and the fryer caught the cabinet and microwave on fire. The fire damage was contained to the kitchen. However, there was smoke damage throughout the house. Result A total of $47,972.09 was paid out […]

Property Case Study: Attic Fire
Scenario A fire broke out in the attic of the chapter house from what they believe was some insulation that fell between the wall and flooring landing on some wires and ignited. The attic was not sprinklered and sustained all of the damage below. However, as the claims progress in the cleaning up and repairing […]

Property Case Study: Subrogation Example
Subrogation – the legal process by which an insurance company, after paying a loss, seeks to recover the amount of the loss from another party who is legally liable for it. Scenario An extensive fire occurred on the top floor and roof of the chapter facility resulting in a total claim amount of $1,379,877. Due to […]

Property Case Study: Fire Escape #2
Scenario At a fraternity chapter house that was hosting a party, Jane Doe, chapter member, went out a second-floor door to a fire escape platform and fell through the hole, which provided a ladder access to the ground. There had been a previous fall from this fire escape at the chapter house in question, and […]

Earthquake protection, preparation, response and recovery
Contrary to public perception, earthquake preparedness is not just an issue in California. This resource from Travelers, the insurance company for MJ Sorority clients, offers tips to help protect your business before, during and after an earthquake.

Natural disaster risk management guide
Get information on preparing for natural disasters such as earthquakes, floods, tornados, hurricanes, wildfires, etc. This resource from Travelers, the insurance company for MJ Sorority clients, discusses exposure assessment, protection, planning and preparation, response, and recovery.

Digging Deeper: Non-Owned & Hired Automobile Coverage
Non-Owned Automobile Liability is the most commonly misunderstood coverage in the Sorority Book of Business. Non-Owned Automobile Liability is designed to protect the organization for the risk of being named in a lawsuit involving an automobile. It does not protect individuals who are driving on behalf of the Sorority/Fraternity. Non-Owned and Hired automobiles are automatically […]

Building/Renovation Projects: What To Look For
Engaging in a building or renovation project is an exciting, albeit stressful, endeavor. In addition to the hundreds of decisions regarding design, budget, decorating, and other items, there are insurance and risk management concerns to consider in order to protect the House Corporation and the organization from loss.