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					SAE AT RISK - Risk Management Manual

Table of Contents
The Challenge                                   2
Getting Started                                 3
Risk Management Policies                        4
Risk Management Policies (cont.)                5
Who Does What in Risk Management                6
10 Steps for Responsible Social Planning        7
Alcohol Education                               8
Alcohol’s Influence on Greek Life               9
Alcohol Poisoning/Emergency Procedures          10
Crisis Management - What to do                  11
Incident Report Form                            12
Incident Report Form (cont.)                    13
Graphic - 10 States with Most Losses            14
Graphic - Claims Frequency Pie Chart            15
Hazing – Definition Test                        16
Hazing – Myths and Facts                        17
Eliminate Hazing? – Here’s how to get started   18
Successful Pledge Education – Self Test         19
Sexual Assault                                  20
Sexual Assault – Myths and Facts                21
Sexual Assault – Prevention Ideas               22
Chapter Property Information                    23
Property Management Checklist                   24
Fire Safety – Self Test                         25
Closing the Chapter House during Vacations      26
Insurance Program Coverage                      27
Insurance Program – Policy Exclusions           28
Insurance Program – Policy Exclusions (cont.)   29
The Challenge

The Sigma Alpha Fraternity is asking each Chapter and House
Corporation to develop and implement a comprehensive risk
management program at the chapter level. Since the
Fraternity is not in the position to “micro-manage” risk management
programs for over 200 chapters, we must rely on our chapter officers
and alumni volunteers.

Chapter leaders should realize that the ultimate goal of our risk
management program is to achieve the safest environment possible
for our brothers and guests. Information presented in this manual
indicates the perilous position of our Fraternity. We can improve this
situation, and this section outlines steps alumni and actives can take
to institute a safe, responsible social program.

In addition to the Risk Management Policies adopted by Sigma
Alpha Epsilon, each chapter is expected to comply with federal,
state and local laws. Many colleges and universities have also
adopted policies for fraternities. Your compliance with your host
institution’s guidelines and all laws is mandatory.




                                                                       2
Getting Started

1. Elect a Risk Manager to the Executive Council. You are in
   violation of the Fraternity Laws without one.

2. Develop a Risk Management Program. Use this manual,
   campus resources and other information to tailor an effective
   social program for your chapter.

3. Make Risk Management Training a part of every
   Pledge Program. Teaching and counseling our newest
   members on the potential consequences of individual and group
   actions is critical.

4. Meet Regularly with your Greek Advisor. Ensure that
   you fully comply with university policies and utilize campus
   resources. Have your Greek Advisor review your chapter’s social
   program and give feedback.

5. Conduct Annual Social Awareness Seminars. Make sure
   every brother is familiar with the Alcohol Policies of SAE, as
   well as university policies and state and local laws.

6. Prevent Problems. Implement a plan of action to correct
   property and life-safety hazards, and to ensure member safety.




                                                                    3
Risk Management Policies of SAE
1. The possession, use and/or consumption of ALCOHOLIC
   BEVERAGES, while on chapter premises, during an official
   Fraternity event, or in any situation sponsored or endorsed by
   Sigma Alpha Epsilon Fraternity, must be in compliance with any
   and all applicable laws of the state, county, city and university.
   This includes the laws regarding the serving of alcoholic beverages
   to minors.

2. SALE OF ALCOHOL by any chapter of Sigma Alpha Epsilon is
   strictly forbidden. This is to include any action that can be
   remotely construed as alcohol sale such as: charging admission to
   parties, passing the hat, selling empty cups and selling drink
   tickets.

3. The possession, sale and/or use of any ILLEGAL DRUGS OR
   CONTROLLED SUBSTANCES at any SAE house or
   sponsored event that would allow a normal observer to view one
   as associated with the fraternity is strictly prohibited and will be
   grounds for immediate expulsion of those involved.

4. Each chapter will instruct members and pledges on the drinking
   age laws, regulation of sale laws, open container laws and other
   laws pertinent to chapter’s jurisdiction, specifically dramshop
   liability, implied consent, and host liquor liability. The chapter
   shall also provide instruction with the goal of engendering in each
   member a sense of responsibility toward the welfare of those who
   consume alcohol. The chapter shall further teach the
   encouragement of intervention to prevent any person from drinking
   to excess, or from engaging in any potentially dangerous activity,
   including driving a motor vehicle while under the influence of
   alcohol. The chapter must provide instruction on emergency
   procedures to be employed as a result of alcohol abuse.


                                                                          4
Risk Management Policies of SAE (cont.)
5. No “GRAIN ALCOHOL” or any such distilled liquor that
   exceeds 100 proof, or above 50% pure grade alcohol per volume,
   is to be served in any form or mixture during a fraternity sponsored
   event.

6. All recruitment and/or post pledging activities may not include
   alcohol, especially “BID NIGHT.”

7. OPEN PARTIES, meaning those with unrestricted access, and
   without specific invitation, shall be prohibited.

8. NO PURCHASE OF ALCOHOLIC BEVERAGES WITH
   CHAPTER FUNDS. This includes the purchase of kegs of beer.
   All alcoholic beverages consumed at SAE chapter functions must
   be brought by the individual brothers attending the function or
   through a cash bar operated by the licensed establishment where
   the function is held.

9. THE PURCHASE OR USE OF A COMMON SOURCE OF
   ALCOHOL SUCH AS KEGS, PARTY BALLS, PUNCH,
   ETC. IS PROHIBITED. Chapters may hire a licensed,
   professional catering service with certified bartenders, which may
   utilize common containers. Any service retained must have
   general liability and liquor liability insurance policies.

* These restrictions have been added to SAE Risk Management
   Policies for clarification.
10. No Drinking Games
11. No Shots or Shooters
12. No Glass Bottles Permitted
13. No Forced Drinking
14. No Beer Funnels or Beer Bongs


                                                                        5
Who does What in Risk Management
House Corporation/Alumni
•Conducts periodic inspections of the chapter house and grounds
•Assists chapter officers with risk management policies and procedures
•Reports any incident or property/liability claims to SAE’s fraternity
 headquarters: 800-233-1856

Chapter President
•Oversees development and implementation of risk reduction policies and
 procedures
•Assists the risk manager, social chairman and house manager with risk
 reduction
•Takes the lead in crisis situations
•Knows campus and Greek alcohol policies
•Assures that Fraternity alcohol policies are reviewed by the chapter

House Manager
•Conducts periodic inspections of chapter house/grounds
•Ensures compliance with health, fire and safety codes

Risk Manager
•Coordinates and advises each officer on risk management
•Works with officers to implement carding, security and alcohol controls for all
 social functions
•Assists with pledge instruction concerning risk management awareness

Social Chairman
•Knows SAE policies on alcohol and social functions
•Consults with Risk Manager prior to all SAE functions
•Plans for member/guest safety at social functions

Actives/Pledges
•Know Fraternity policies as well as chapter by-laws
•Cooperate with officers concerning risk reduction policies and procedures
•Conduct themselves as “True Gentlemen”



                                                                               6
10 Steps for Responsible Social Planning
1. Card everyone attending a function where drinking may occur. Never allow
   underage members or guests to drink at any event.

2. Consider hiring professional security staff to assist the chapter with:
      a) overseeing the function
      b) uninvited guests
      c) collecting car keys/calling taxis
      d) carding invited guests

3. Never promote or sponsor a function where SAE may be interpreted as selling
   alcohol by:
      a) selling drink tickets
      b) selling empty cups
      c) charging for “all you can drink”
      d) hosting an event in conjunction with a local bar or alcohol distributor

4. Serve non-alcoholic beverages and provide food for members and guests.

5. Do Not promote alcohol as the center of the party or allow members or guests to
   engage in drinking games.

6. Provide transportation or taxis for members and guests who have had too much to
   drink.

7. Remember over-indulgence of alcohol must not be allowed. Remember our
   Fraternity policies including:
      a) no grain alcohol
      b) dry recruitment and post pledging activities, especially during “Bid Night”
      c) no open parties
      d) no purchase of alcohol with chapter funds

8. Establish a time limit for the party. Four hours should be a guideline.

9. Discourage “road trips” emphasizing the use of alcohol while driving.

10. Educate the chapter by bringing in guest speakers and alcohol awareness
    literature.




                                                                                       7
Alcohol Education
The “Golden” Rule

               Use Common Sense!
Consider the consequences of your actions. NEVER be
involved in a situation you could not explain to a reasonable
person.

The Need
Educating members on the use and misuse of alcohol is
clearly one of the most important items chapters and alumni
should address. The majority of Fraternity liability incidents
involve alcohol.

The Solutions
The Fraternity has adopted “no purchase of alcohol with
chapter funds” and “no keg” policies to address the problems
associated with the purchase and serving of keg beer or any
alcoholic beverages. The importance of the stance cannot be
over-emphasized.

The purchase of alcohol with Chapter Funds or collection
of money by any member of the Fraternity, or the sale of
any form of admission, or the gathering of funds is strictly
prohibited by the Fraternity and is grounds for revocation
of a Chapter Charter by the Supreme Council of SAE.




                                                                 8
Alcohol’s Influence on Greek Life

Alcohol is involved in nearly 90% of all SAE liability
insurance claims. Alcohol is pervasive on college campuses.
Columbia University commissioned a study which surveyed
students from colleges throughout the nation. Some of the
findings include:

    - 95% of violent crime on campus is alcohol related

    - 90% of all reported campus rapes occur when alcohol
        is used by assailant, victim or both

    - 80% of all campus vandalism is alcohol related

    - Students living in fraternities and sororities report
         drinking three times more than other students

    - Three times more college women reported drinking to
          get drunk than in 1977

    - Poor Grades correlate with alcohol use:

         Grade Average              #Drinks per Week
             A                           3.6
             B                           5.5
             C                           7.6
             D/F                         10.6



                                                              9
Alcohol Poisoning/Emergency
Procedures for someone who has had
too much to drink.
Of course, the best procedure is prevention. Don’t allow social
functions to get out of control with alcohol. Play close attention to
the behavior of brothers and guests.

Look for signs and symptoms
           • Unable or difficult to arouse
           • Slowed, stopped or irregular breathing
           • Bluish fingernails, lips and gums

Action to be taken

If there is any doubt as to whether or not the individual is merely
passed out or seriously overdosed, do not hesitate to get medical help!

           • Lay person on side if asleep or passed out. Do not allow
           the individual to sleep on his or her back. Have someone
           stay with the person.

           • Induce vomiting if conscious and feeling sick. Never
           induce vomiting in a semi-conscious or unconscious person.

           • Monitor breathing; proceed with artificial respiration if
           not breathing

           • Always keep emergency numbers for ambulance,
           hospital and police posted by the chapter house phone.


                                                                         10
Crisis Management - What to do
Initial Steps

1. The Eminent Archon should take charge in every emergency situation. If
   the E.A. is not available, the next ranking officer should take charge.

2. The E.A.’s first phone call should be to emergency officials if necessary -
   911 in most communities. Make certain emergency phone numbers are
   located near each telephone in the house.

3. Notify an alumni advisor of the events as soon as possible. Also, as soon as
   practicable, report the incident to the:

                   SAE Fraternity Office
                   1-800-233-1856

4. Close the chapter house at once. Permit only members and appropriate
   officials to remain on the house and grounds.

5. In case of fire, have a predesignated meeting place away from the building.
   Take a head count and report any missing members to fire officials at once.

6. The E.A. should gather the facts of the incident as soon as possible. Never
   speculate or engage in rumor spreading.

7. Also, as soon as possible, assemble the chapter. Remind the members to:
      a.) stay calm
      b.) follow instructions
      c.) not make statements outside the chapter - with the exception of
          emergency officials
      d.) not speculate or spread rumors
      e.) be aware the E.A. is the chapter’s sole spokesman and he will keep
          them apprised of all developments
      f.) do not admit/accept fault or liability for the incident without the
          advice of an attorney
                                        

                                                                                 11
                                       
                           Sigma Alpha Epsilon Fraternity
                                              Incident Report Form

                  (Call Fraternity Headquarters with this information within 24 hours of incident.)

Chapter Name:                                                 School Name:
Chapter Address:                                              Chapter Phone:

Person making report:                                         Your Title or Relationship to Fraternity:
Your Phone No.:                                               Your Address:
DATE OF INCIDENT:                                             TIME OF INCIDENT:
DATE REPORTED TO NATIONAL:                                    DATE REPORTED TO INSURANCE CO:


Location and Street Address of Incident:
On premises or off-premises:
Was alcohol involved in this incident?:


DESCRIPTION OF WHAT HAPPENED AND WHO WAS INVOLVED:




                                              INJURED PERSON(S)
Name:                                                    Name:
Sex:                                                     Sex:
Age:                                                     Age:
Member or Non Member?:                                   Member or Non Member?:
Street Address:                                          Street Address:
City/State/Zip                                           City/State/Zip
Telephone:                                               Telephone:


                               WITNESS(ES) (Use additional page if necessary):
Name:                                                  Name:
Street Address:                                        Street Address:
City/State/Zip                                         City/State/Zip
Telephone:                                             Telephone:




                                                                                                          12
WAS A POLICE REPORT MADE:                    CHAPTER COUNSELOR
Police Department:                           Name:
Police Department Telephone:                 Street Address:
Officer Name:                                City/State/Zip
Report #:                                    Telephone:
    SEND 1 COPY TO SIGMA ALPHA EPSILON HQ    KEEP 1 COPY FOR CHAPTER
           PO Box 1856, Evanston, IL 60204   SEND 1 COPY TO YOUR CHAPTER COUNSELOR
                Fax: (847) 475-2250




                                                                                     13
                        SAE
Top Ten States with the Most Losses (1988-1998)



  Colorado

      Texas

       Ohio

   Georgia

   Alabama

    Indiana

    Florida

Pennsylvania

 Tennessee

 California


               0   2   4   6   8      10    12    14   16   18   20   22   24   26
                                   Number of Claims




  Help us keep your state out of the top ten!

                                                                                14
                       Claims Frequency by Category (1988-1998)



                                                   V eh i cl e A cci d en t    T h ro w n O b ject
                                  S h o o ti n g
                                                             8%                        2%
                                       2%

                      S ex u al A s s au l t                                   A l co h o l P o i s o n i n g
                                  4%                                                       2%

    P ro p erty D am age
               4%
                                                                                                          A s s au l t
                                                                                                                2 6%
P rem i s es L i ab i l i ty
           5%

                      P ran k
                        2%

                     M i s c.
                       8%
                                                                                                          A th l eti c
                                                                                                                3%
                     H az i n g
                        6%
                    H aras s m en t
                          1%                                          F al l
                                                                     2 7%




                                                                                                                         15
Hazing - Definition Test                            

Hazing is “any activity which endangers the mental health, physical
well-being, dignity, safety or rights of any individual.”

Hazing Hotline: 800-233-1856, EXT. 399

You should be concerned if your chapter:

• Transports an individual against his will

• Prevents sleep or class attendance

• Forces anyone to eat or drink against his will

• Requires acts of servitude

• Stages any form of “line up”

• Paddles or Strikes in any manner

• Makes anyone engage in public stunts of buffoonery

• Forces physical stunts or calisthenics

• Blindfolds or “Road Trips” for any purpose

• Conducts a “hell” week

• Confines anyone against his will


* Remember - IF YOU KNOW ABOUT HAZING, BUT DO NOT REPORT IT, YOU ARE GUILTY OF
 HAZING


                                                                                 16
Hazing - Myths and Facts

The Myths
Myth 1: Hazing builds pledge class unity; so do most prisons. The truth is
hazing alienates the fraternity’s newest members from the initiated chapter.

Myth 2: Hazing motivates pledges. To do what? Hate their brothers, break
state laws and jeopardize the chapter’s existence. Other constructive and legal
means of motivation need to be utilized.

Myth 3: We’ve always done it this way. An excuse used by backward thinking
men throughout time. Be leaders and implement positive change.

Myth 4: I had to go through it. The sins of the past do not justify the actions of
the present. The Marines, the Service Academies and major college football
teams have abolished hazing of new recruits. The fraternity world must follow
suit.



The Facts
Fact 1: Hazing hinders scholastic achievement, lessens self esteem and causes
emotional strain.

Fact 2: Hazing increases the likelihood of bodily injury or death.

Fact 3: Hazing can put you in jail. It’s against the law in most states.

Fact 4: Hazing threatens your badge, your diploma and your chapter’s charter.

Fact 5: Hazing could eliminate your insurance coverage. No liability insurance
policy will cover intentional acts.



                                                                                  17
Eliminate Hazing? –
Here’s how to get started
Information - Give each pledge a written copy of the pledge program schedule.
Include events, dates, assignments, information on dues, initiation fees, grade
requirements, meeting dates and times. This syllabus also insures the pledge
educator has organized the program in advance.

Develop Leadership - Allow pledges to plan and implement their own projects
and activities - make suggestions and give options rather than orders. Consider
several smaller projects and activities rather than one, enabling a wider range of
leadership development. Establish pledge class offices and allow those offices
the authority to complete tasks and projects.

Build Chapter Unity - Not Pledge Class Unity! - Pledge-active sports events
with mixed teams of actives and pledges. Big brothers help pledges with
assigned house duties. If signatures are required, utilize equality - require
actives to acquire pledge signatures. Avoid pledge class distinction and
competition.

University Involvement - Invite representatives from all school areas to
address the pledge class. Encourage each pledge to be involved in at least two
outside activities.

Retreats - Weekend camping trips, hikes, canoe trips, beach trips, etc., are
tremendously effective in building unity. Discuss chapter strengths,
weaknesses, goals, future plans, etc. The most successful retreats are held away
from campus and school distractions.

Promote Scholarship - Invite university speakers to discuss test-taking skills,
study methods, how to succeed in college, etc. Designate quiet hours at the
house. Set up study halls. Utilize university tutoring services.




                                                                                  18
Successful Pledge Education –
Self Test 

Does your chapter have/use:
• A stated purpose or a list of objectives (for example: assimilation into the
  chapter and education in the procedures and history of the Fraternity)

• A list of the requirements for initiation

• A syllabus or calendar of events (for each brother, pledge and parent)

• A specific beginning and ending date, congruent with the Fraternity and
  university policy (the dates should be known by everyone)

• A definition of and position statement on hazing

• Programming including:
     - Time Management and Scholarship
     - Chapter and Fraternity History
     - Chapter Operations
     - University Orientation
     - Philanthropy
     - Social or Men’s Health Issues
     - Leadership Development
     - Campus Involvement

• An organized procedure to review the pledges’ success and address any
  deficiencies

• An opportunity to for the pledges to participate in other campus
  organizations

• An appropriate pre-initiation program

• An opportunity for the pledges to give feedback on the program and to
  suggest improvements

                                                                                 19
Sexual Assault
Sexual assault is a violent physical or verbal attack of a sexual
nature. It includes, but is not limited to:
           • Stranger rape
           • Acquaintance or date rape
           • Gang rape
           • Statutory rape

Criminal laws vary from state to state; however a commonly
accepted definition is:
          • Forced sex against the will of the victim
          • Sex with a person unable to resist or give consent
            ( i.e. due to alcohol, drugs, age, mental
            condition)

A survey of 7,000 students among 35 colleges revealed:
         • 52% of the women had experienced sexual
             victimization
         • 1 in 8 women had been victims of rape
         • 1 in 4 women had experienced an attempted rape
         • 1 in 12 men admitted to having fulfilled the
            definition of rape or attempted rape although
            none considered themselves a rapist




                                                               20
Sexual Assault - Myths and Facts
Myth 1: Rape is an impulsive, uncontrollable act of sexual
gratification or lust

Fact: Between 60% and 70% of all rapes are planned in advance.
Another 10% are partially planned. Also, one important emotional
payoff for the rapist is to be in control, not out of control. Many
rapists have readily available sexual outlets, and over half are married
at the time of attack. The primary motive displayed by most
convicted rapists is not sex, it is aggression, dominance, and anger.

Myth 2: No woman can be raped against her will.

Fact: The first concern of a rape victim is to survive the attack. No
one but the victim can know what she is capable of doing, what the
danger is and what methods might succeed. A victim should not be
criticized for doing what she feels she must in order to save her life or
avoid serious bodily injury.

Myth 3: Most rapes occur when women are out alone at night.

Fact: Depending on the study, statistics indicate that between 33%
and 66% of rapes occur in either the victim’s home or in some other
private residence. Rapes occur at all hours of the day or night.
Anyone, regardless of residence, social or economic class, age,
appearance, or other factors, can be a victim of rape.

Myth 4: Women “ask” for rape by acting or dressing
provocatively.

Fact: Rape is an attack where the victim’s life is controlled by the
attacker; no woman’s dress or behavior gives anyone the right to
sexually assault her.


                                                                       21
Sexual Assault - Prevention Ideas for
Chapters and Individuals
Chapters

• Invite guest speakers on sexual relations and rape to chapter
  meetings.
• Hold a joint meeting on this subject with a sorority - listen
  to the female perspective.
• Review this section of the manual with the chapter and
  pledges at least annually.
• Control your parties, limit access and hire professional
  security.
• Do not serve alcohol to members or guests.
• Know your pledges, know your members.

Individuals

• Do not assume you know what your partner wants - confirm.
   Be careful of the fine line between pressing someone to
   have sex and forcing someone to have sex.
• Do not let your desires control your actions.
• It is OK not to “score.”
• A woman has a right to end any sexual encounter at anytime
  for whatever reason.




                                                              22
Chapter Property Information

Chapter House Self Inspection
What to Do:

•Schedule regular inspections (see checklist)
•Walk through the property
•Note deficiencies
•Make appropriate recommendations for corrections
•Develop and circulate report to members
•Budget money for necessary work


Who to involve:

•Assign people who are familiar with the property
•Involve board members and chapter members
•Hire professional help, if necessary
•Consult local fire department for assistance
•Seek assistance from campus housing authorities


Fire/Health&Safety Inspections:

Fire Inspection:              Last Conducted _____________

                              Contact Info ________________


Health/Safety inspection:     Last Conducted ______________

                              Contact Info_________________

                                                              23
Property Management Checklist 

• Fire Extinguishers
  (Tagged, Accessible; Inspected Annually)

• Smoke Detectors Present and Working

• Exits Lighted and Marked

• Fire Escapes Clear & Accessible

• Fire Drills Held (Semi-Annually)

• Gasoline Not Stored on Premises

• Emergency Numbers Posted

• Kitchen Cleaned and Well Maintained (Daily)

• Lighting for Stairs Adequate

• Handrails for Stairs

• Boiler Room Cleaned/Locked

• Trash Removed

• Grounds well maintained (Daily)

• Panel Boards/Switchboxes Clean and Marked

                                                24
Fire Safety - Self Test 

Has Your Chapter:

• Developed a prearranged emergency plan of action
  in case of fire

• Held unannounced fire drills to evacuate the house,
  especially at night

• Cleared all emergency exits, fire escapes and
  doorways

• Placed fire extinguishers of the correct kind and size
  on every floor

• Placed smoke detectors in each room and
  strategically around the house

• Posted emergency numbers by each telephone in the
  house

• Reviewed the Crisis Management steps




                                                        25
Closing the Chapter House during
Summer and Vacations
Considerations

 Reality tells us keeping chapter houses open during vacations, particularly
  summer vacations, does not make economic sense. If all costs associated
  with summer rental were accurately tabulated: actual rent collected, utilities,
  additional liability insurance, abuse, theft of chapter property, house
  corporations lose money.
  It is a fact.
 Fraternity liability insurance does not cover non-members. Do you have
  boarders on your property? Have you purchased insurance for tenant
  liability?
 Are the summer rents you collect being reported to the I.R.S.? As non-
  member revenue, it should be reported.
 Is abuse to the property greater during vacations and summer months than
  during the school year?

Guidelines

 Contact local police or campus security and let them know the house will be
  vacant. Provide the authorities with a number to be called if there is a
  problem.
 If your house has an alarm system, have someone from the alarm company
  inspect the system prior to closing and let them know the building will be
  vacant.
 Secure all exterior doors and windows. Consider leaving all interior doors
  open; a locked door to a room connotes something of value on the other
  side.
 Follow all procedures of the House Corporation regarding: yard
  maintenance, cancellation of all automatic deliveries, adequate exterior
  lighting, turning in of keys, removal of all personal goods and proper clean-
  up.




                                                                               26
Insurance Program Coverage
Coverage: General Coverage

Limit: $1,000,000 Occurrence Bodily Injury/Property Damage
          (no annual aggregate)
          $1,000,000 Occurrence / $1,000,000 Annual Aggregate
          (products/completed operations/personal injury only)

SIR:      $100,000 Occurrence (including expenses)
          $750,000 Aggregate ($562,500 Annualized)

Terms/Conditions:

       •1973 Occurrence Form
       •Broad Form Liability Endorsement
       •Personal Injury Coverage (Libel, slander, defamation)
       •Contractual Liability Coverage - Blanket Intermediate Form
       •Employee Benefits Liability (claims made); subject to SIR
       •Additional Insureds (Blanket)
       •Notice of Occurrence
       •Knowledge of Occurrence
       •Premium Base - Flat
       •Hired & Non-Owned Automobile Coverage
       •SAE’s Named Insured Endorsement
       •Unintentional E&O
       •No “set-aside” SIR Fund Required
       •SIR eroded by defense costs and expenses
       •Fire Legal Liability $500,000 (for up to 10 scheduled locations)
       •Policy Territory includes Canada




                                                                      27
Insurance Program - Policy Exclusions
Intentional Acts - Injuries or damages resulting from acts whose sole purpose was to
               inflict injury.

Employment Related Practices - Claims arising out of refusal to employ,
            termination of employment, coercion, demotion, discipline,
            discrimination, etc.

Contractual Liability - Liability an insured assumes, express or implied, through a
              written contract. This does not apply to an “insured contract.”

Liquor Liability - Liability of a Dram shop for actions of a 3rd party who became
               intoxicated because the Dram shop provided, sold or served
               intoxicants.

Worker’s Compensation - Damages that are typically recovered under the insured’s
            workers’ compensation policy.

Employers’ Liability - Damages that are typically recovered under the insured’s
              employer’s liability policy.

Pollution - Damages or injuries caused by the real or threatened dispersal of
               pollutants, whether intentional or not.

Asbestos - Damages, injuries or diseases caused by asbestos in any form or way.

Nuclear Energy - Damages or injuries resulting from the hazardous properties of
              nuclear materials.

Watercraft or Aircraft - Damages and injuries resulting from use of watercraft to
               carry persons for a fee and aircraft. Non-owned watercraft over 26
               feet.

Property Damage to Insured Location - Direct physical damage to an insured
             location

Products Recall - Cost of recalling, repairing or replacing your products and/or work.




                                                                                      28
Insurance Program - Policy Exclusions
                                   Sexual Abuse or Assault Exclusion

It is understood and agreed General Liability Policy _________ is amended as follows:

Liability coverage and defense coverage afforded by this policy shall not apply to any
person(s) who directly causes or perpetrates sexual abuse or assault toward any person. This
exclusion applies to any claim alleging liability resulting from, or involving, the
aforementioned actions. This exclusion does not apply to those insureds who do not directly
cause, or perpetrate, the excluded action.

                                           Hazing Exclusion

It is understood and agreed General Liability Policy _________is amended as follows:

Liability coverage and defense coverage afforded by this policy shall not apply to any
person(s) who directly perpetrates hazing toward any person. This exclusion applies to any
claim alleging liability resulting from, or involving, the aforementioned actions. This
exclusion does not apply to those insureds who do not directly perpetrate the excluded action.

                                    Assault and Battery Exclusion

It is understood and agreed General Liability Policy _________is amended as follows:

Liability coverage and defense afforded by this policy shall not apply to any person(s) who
directly inflicts assault or battery upon any other person. This exclusion applies to any claim
alleging liability resulting from, or involving, the aforementioned actions. This exclusion
does not apply to those insureds who do not directly inflict the excluded action.

                                     Alcohol and Drug Exclusion

It is hereby understood and agreed General Liability Policy ________ is amended as follows:

       Liability coverage and defense coverage afforded by this policy does not apply to any
       member(s) or pledge(s) who:

               • purchases alcohol with chapter funds;
               • sell alcohol; or
               • possesses, sells or uses illegal drugs.
This exclusion applies to any claim alleging liability resulting from, or involving, the
aforementioned actions. This exclusion does not apply to those insureds who do not
participate in the excluded action.


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