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General Liability – Fraternal Property Management Association

Safeguard Your Fraternity & Sorority Housing

Owners of traditional fraternity and sorority housing face unique risk exposures that other landlords do not. With the Fraternal Property Management Association (FPMA), we can help you reduce your risk and safeguard your property.

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The Fraternal Property Management Association is Here for You

  • Proactive Thinking
    When thinking about the unique exposure you face as a fraternal owner, it’s important to have comprehensive risk management strategies in place and to address the ever-evolving needs of your organization.
  • Cost-Effective Coverage
    Unlike other carriers, our Fraternal Property Management Association (FPMA) program helps provide easy, cost-effective solutions to you.
  • Meeting Your Needs
    The FPMA’s Liability insurance program promises broad coverage that is specifically designed to meet the needs of your fraternal organization.
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About the Program

Download an informational flyer about the Fraternal Property Management Association.
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General Liability Insurance Program for Owners of Fraternity, Sorority, and Student Organization Housing

As an owner, you face issues of alcohol, hazing, assault and battery, sexual assault, and traditional premises exposures. Finding a carrier that will underwrite a chapter house risk with acceptable terms and conditions can be challenging. Some carriers will offer terms with very restrictive coverage, plus the minimum premium requirements many carriers would require to even consider the business is also expensive.

The Fraternal Property Management Association (FPMA) provides a cost-effective solution to problems. The FPMA is an Illinois association formed to provide deep risk management and educational resources and access to customized Property Casualty insurance products for fraternity and sorority house corporations. The FPMA’s Liability insurance program provides broad coverage that is specifically designed to meet the needs of this class of business.

Through the use of master policies, we can offer broad coverage for a competitive premium.

FPMA Liability insurance program highlights include:

  • A- or better rated insurance carriers
  • No exclusions for hazing, assault and battery, sexual assault, and/or abuse of alcohol
  • Host liquor liability
  • Coverage for house corporation officers
  • Corporation’s own limit — no shared limit
  • Low deductible of $2,500

What Are Our FPMA Program Specifications?

Commercial General Liability Policy Limits

  • Each occurrence – $1,000,000
  • Annual aggregate – $2,000,000
  • Products/completed operations aggregate – $2,000,000
  • Personal/advertising injury limit – $500,000
  • Damage to premises rented to you – $500,000
  • Medical payments – Excluded
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