Insurance for Fraternities and Sororities
Specialty liability insurance solutions tailored to your unique needs.
Get StartedIn an era where once incident can be the end of your organization, XINSURANCE provides the protection your fraternity or sorority needs to safeguard its future.
We specialize in providing customized coverage solutions that address the unique exposures of Greek life, including event liabilities and property damage.
The Importance of Insurance for Fraternities and Sororities
Insurance for fraternities and sororities is a specialized form of insurance coverage designed to protect your organization against a wide range of liabilities, ensuring that the legacy and activities of your Greek life community are safeguarded. In today’s world, where the unexpected can and often does occur, taking proactive steps to shield your members and your organization’s assets from potential financial burdens is more crucial than ever.
Choosing the right insurance partner means selecting a team that understands the unique challenges and exposures faced by Greek organizations and one who will stand by your side when things go wrong. We provide a comprehensive risk management approach tailored to the intricacies of fraternity and sorority life. With our focus on creating true insurance solutions, not mere transactions, we ensure your chapter can thrive and focus on its mission, free from the worry of unforeseeable events. Embracing this level of protection is not only prudent but essential in fostering a secure environment where your members can grow, learn, and lead.
Who We Can Help
- Fraternity Chapters
- Sorority Chapters
- Greek Councils
- National Greek Organizations
- Greek Life Advisors
- Housing Corporations
- Alumni Associations
- Greek Life Event Organizers
- And More!
Insurance Coverage Options for Fraternities & Sororities
Commercial General Liability
Provides coverage for injuries and property damage sustained by third parties.
Alleged Assault and Battery Liability
Coverage for claims against you regarding assault and/or battery.
Alleged Sexual Abuse and Molestation Liability
Coverage for claims against you regarding sexual abuse and/or molestation.
Special Events Liability
Covers bodily injury to a guest and property damage to the venue (such as the building or its equipment) for private and public events. Learn more.
Liquor Liability
Coverage for businesses that provide the sale, service, or furnish of alcohol. Learn more.
Active Shooter Liability
Liability protection in the event of an active shooting taking place on company property. Learn more.
Animal Liability
Provides coverage for third-party bodily injury and property damage caused by an animal that you own. Learn more.
Commercial Auto*
Provides auto liability coverage for your company-owned or personally-owned vehicle primarily used for business purposes. Learn more.
*Available in most states
Communicable Disease Liability
This is a policy enhancement that provides coverage for negligent exposure to any Declared Pandemic Disease or Pathogen, including COVID-19. Learn more.
Directors and Officers (D&O) Liability
Protects people from personal losses if they are sued as a result of serving as a director or an officer of an organization. Learn more.
Personal Liability
Personal liability protection in the event of an accident and a claim is made against you. Learn more.
Premises Liability
Protects against claims for slips, trips, and falls on the property due to negligence.
Professional Liability
Coverage for claims regarding negligent acts and more. Learn more.
Property Coverage
Covers the building and its contents from weather-related risks, vandalism, theft, and more. Learn more.
Riot and Civil Commotion Liability
Liability protection against claims made from a riot or civil commotion.
TRU Umbrella
Additional coverage to fill the gaps and cover the exclusions in your existing policy. Learn more.
How To Get A Quote
Request Your Quote
Click the button below to get started on your quote
Specify Your Needs
We’ll schedule a call with you to consult on your needs, and collect more details
Get Your Custom Quote
We’ll use all the information provided to craft a highly personalized quote to address all of your specific insurance needs in one comprehensive policy
FAQs About Insurance for Fraternities and Sororities
Why do fraternities and sororities need insurance?
Fraternities and sororities both have unique risks that many insurance providers choose not to cover. Most of these social organizations have built up a reputation for decades with certain standards to uphold. The last thing a fraternity or sorority needs is a claim or lawsuit filed against them that, without insurance, can tarnish their reputation or even disband the organization altogether. That is why fraternity insurance or sorority insurance is a must-have.
Is insurance for fraternities and sororities legally required?
Requirements may vary by state and university, but in many cases, certain types of insurance are required for Greek organizations to operate on a campus.
What is the difference between individual member insurance and chapter insurance?
Individual member insurance protects the member personally, while chapter insurance covers the collective organization’s liabilities.
Do we need insurance if we rent our fraternity/sorority housing?
Yes, even if you rent your chapter house, insurance can protect against liabilities that go beyond the property itself.
Can small Greek organizations also get insured?
Yes, insurance is available for Greek organizations of all sizes and can be tailored to their specific needs and risks.
Can our organization be insured if we've been dropped or rejected by an insurance company?
Yes, XINSURANCE can help you even if you’ve been declined, canceled, or non-renewed by an insurance company. We step in to provide an insurance solution when others can’t or won’t.
How much does insurance for fraternities and sororities cost?
The cost is based on several factors, including the size of the organization, types of activities, location, claims history, and more.
What our clients say
Insurance for all activities. Excellent product with total coverage for WHEN you need that extra help.
THIS IS INSURANCE I CAN TRUST TO PROTECT ME!
– Dave H.
They are amazing and always there to help you if you have any questions or concerns.
– Arlene A.
XINSURANCE is very easy to deal with. We didn’t have to wait forever for the information we needed. And the whole process of finding a plan that worked for us was almost too easy.
– Leslie A.
Your Trusted Team For Tackling the Unexpected
Fighting for You is What We do Best
At XINSURANCE, we believe in taking an active role in defending the interests of our customers. When an insured is facing challenges such as frivolous lawsuits or unfounded charges, we take pride in staying by their side.
Unique Requirements are Our Specialty
XINSURANCE specializes in covering the extraordinary cases that other agents lack expertise in. If you need something insured and can’t find a policy for it anywhere else — chances are our team will know exactly how to get you coverage for it.
Built-For-You Flexibility & Dedicated Support
The XINSURANCE approach to coverage is anything but “one size fits all”. Our specialty insurance experts work one-on-one with you to fully understand your circumstances, insurance needs, and high-risk areas up front. This means that by the time your policy is issued, we're fully prepared to support you through the worst-case scenarios — not drop you when an incident, claim, or lawsuit occurs.
More of Your Coverage - All In One Place
Though your policies won’t be “one size fits all,” XINSURANCE does take an all-in-one approach to insurance. This means that instead of buying several policies, we’re able to offer coverage solutions for your various needs all in one plan.
What You Can Expect From Our Team
Insurance solutions tailored to your needs
Expansive coverage options
Expert support when facing frivolous charges
Dedicated support & service
Bars, Taverns, & Nightclubs
Our insurance solutions for bars, taverns, & nightclubs have an all-in-one approach providing coverage for security guards, liquor liability, alleged assault & battery, active shooter coverage, communicable disease, and much more.
Animal Liability
We provide animal liability insurance solutions that can cover third party bodily injury and third party property damage caused by your dog or other pet that you own. We can cover all breeds even if there is a bite history.
TRU Umbrella
TRU Umbrella coverage is customized to fit your unique needs by filling the gaps and covering the exclusions in your primary policy for work, home, and play.
