The Oracle: Phi Mu Delta's Membership Manual
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fraternity purchases liability insurance, which is insurance that protects the organization<br />
<strong>The</strong><br />
claims from legal liability, provides legal defense, and pays sums necessary to settle<br />
against<br />
insurance coverage will pay claims for the following organizations and/or people while<br />
<strong>The</strong><br />
the duties of their elected or appointed positions within the organization ONLY IF<br />
performing<br />
laws and policies of the institution, city, county, state, country and fraternity have been<br />
the<br />
followed:<br />
chapter officers, executive board, committee chairman and members<br />
Collegiate<br />
performing the duties of their positions within the organization.<br />
while<br />
volunteer advisors while performing the duties of their positions within the<br />
All<br />
organization.<br />
house corporations/property management teams while performing their<br />
Local<br />
duties.<br />
chapters, clubs and associations and chapter-related educational<br />
Alumnni<br />
their officers and volunteers while performing their duties.<br />
foundations,<br />
harm to someone else. This is not a personal liability policy; it only protects volunteers<br />
cause<br />
within the scope of their duties.<br />
working<br />
individual member, alumnus, trustee, or advisor who is performing tasks<br />
Any<br />
of their responsibility (e.g., spontaneous social function planned by an<br />
outside<br />
member, chapter advisor consuming alcohol with collegians, hazing of<br />
individual<br />
etc.).<br />
members,<br />
member whose illegal or intentional actions result in death or injury to an<br />
Any<br />
or property damage.<br />
individual<br />
INSURANCE & RISK MANAGEMENT FREQUENTLY ASKED QUESTIONS<br />
What type of insurance do we have?<br />
claims against the fraternity.<br />
Who is covered under the insurance policy?<br />
collegiate chapter, when it obeys the laws of the institution, city, county, state,<br />
A<br />
country entities and the policies of the fraternity.<br />
and<br />
clubs and their volunteers when acting within the scope of their duties.<br />
Parents<br />
insurance does not cover anyone who is acting in a criminal way, or a way that could<br />
Our<br />
Who is not covered by this policy?<br />
parents or family members and guests of chapter members.<br />
Members'<br />
administration<br />
College/university<br />
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