- NIC Foundation
Peer governance is critical to fostering shared community standards, and the new IFC Insurance Program removes some of the barriers, putting students back in charge of setting and maintaining expectations. The NIC’s IFC Insurance Program covers officers, alumni and volunteers for most IFC-hosted programs and events, including peer monitoring, Greek Week, Homecoming activities, recruitment and philanthropic endeavors to name a few.
In many cases, the IFC and its officers, alumni advisors and volunteers are not covered by the university. If there was a claim filed against the IFC due to the operations or event hosted and sponsored by the IFC, the IFC and/or its officers have the potential to be brought into a lawsuit. The IFC Insurance Program includes general liability insurance, commercial crime insurance, and protection for directors and officers. The program is even flexible enough to add the host institution (including the fraternity/sorority advisor) as an Additional Insured to provide an extra layer of protection for our trusted campus partners.
Further, when purchasing insurance independently, IFCs can pay almost $6,000 for council coverage and more than $2,600 (and often much higher) for stand-alone event coverage. The NIC’s IFC Insurance Program offers immediate savings, as pricing is tiered based on the number of IFC chapters and starts at $599/yr.
The NIC insurance program will be half the cost the Illinois IFC has been paying! Carrying insurance coverage for IFC events and peer monitoring program is just good practice and an outstanding service that the NIC can now provide to the local campus Interfraternity Councils.
Ashley A. Dye
Senior Assistant Dean of Students, Fraternity & Sorority Affairs
University of Illinois at Urbana-Champaign
There are risks that IFCs don’t currently see, and when an organization holds events, hosts people, and sets policies, there can be legal and liability exposure that requires insurance to offset what could be large issues.
For example, on one campus an IFC and its President were brought into a lawsuit filed by a property owner against fraternities with houses alleging the fraternities created a public nuisance. In another incident, an IFC held a flag football tournament at which a participant was injured and sought recovery of his out-of-pocket expenses from the IFC.
The IFC Insurance Program provides insurance for claims arising out of IFC operations and hosted events. If an IFC does not have proper insurance coverage in place, an IFC officer may be held personally liable should an incident occur.
Yes, to be eligible for the IFC Insurance Program you do have to pay IFC dues with NIC (due Sept. 1). This is a good thing—the NIC provides support, coaching and resources. Learn more.
Probably not. You can confirm this by asking your college or university’s Risk Management Department. The IFC is definitely not covered under any member fraternity’s insurance program. If your host institution advises you that you are covered under the University’s liability insurance program, we recommend you request confirmation of the same in writing. The letter should clearly state that the IFC, its officers and volunteers would be considered an Insured while they are acting on behalf of the IFC and are protected on a primary basis. You should ask that this letter come from the University’s Risk Management Department or General Counsel. Also clarify if there are any limitations regarding the types of events you can hold and the process for adding Additional Insureds if required by third parties.
It is very important you retain the letter from the University once you receive one. The NIC should be copied on the letter for our records. If the university will not provide this to you in writing, we recommend you consider yourselves not covered by the University and join the NIC’s program. Under the NIC’s IFC insurance program all activities with the exception of just a few (see special events section) are covered. Including participant liability should you host an athletic event like a volleyball, basketball and flag football tournament. Plus, adding an Additional Insured is easy and inexpensive.
The campus professional’s work with the fraternity/sorority community is a part of their job duties for the university or college that employees them. They would be covered under the university or college’s liability policy if they are alleged to have acted in a negligent manner or failed to act resulting in an injury to a third party.
However, your university or college can be named to the IFC Insurance Program policy as an Additional Insured. This would extend coverage to the university and its employees for potential vicarious liability from IFC-sponsored activities they may be exposed to. For additional information on adding an Additional Insured to your IFC’s policy, Lauren Owens, Placement Account Manager, Holmes Murphy, firstname.lastname@example.org 402-898-4171.
Landmark American Insurance Company: General Liability
Zurich North America: Commercial Crime
RSUI Indemnity: Directors & Officers
The NIC’s IFC Insurance Program provides General Liability, Commercial Crime and D&O Liability insurance.
* Please note the events in this list will be excluded if they included features in the lists below
Events Requiring Prior Approval from the NIC
Pricing is based on how many fraternity chapters you have in your IFC. This pricing is cost-saving. When purchasing insurance independently, IFCs can pay almost $6,000 for council coverage and more than $2,600 (and often much higher) for stand-alone event coverage.
Tiers # of IFC Chapters Premium
Tier 1 1-5 $599
Tier 2 6-10 $1,099
Tier 3 11-15 $1,549
Tier 4 16-20 $1,949
Tier 5 21-25 $2,299
Tier 6 26+ $2,599
First, learn about paying your IFC dues and the levels of Campus Support you can choose from. Then submit the online form to paying your dues. On the form, you will be able to choose your level of support as well as indicate that you would like to participate in the IFC Insurance Program. Once the form is submitted, you will receive an invoice for the IFC Insurance Program. After the NIC has received payment, you will receive your certificate of insurance.
Once you have submitted the online IFC dues form and indicated you will be purchasing the IFC Insurance Program, you will receive an invoice for payment. After the NIC receives your payment, you will receive a certificate of insurance and your coverage will take effect.