The NIC’s 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. In most cases, IFCs are unincorporated associations. Officers of unincorporated associations can be held personally liable for negligent acts or omission of an unincorporated association. Being an officer increases exposure to being named in a lawsuit. If an IFC does not have insurance and a claim is brought against an IFC officer, it likely would result in a parent’s homeowner’s policy being called upon to provide a defense and indemnification of a liability claim. The NIC’s IFC Insurance Program provides the needed coverage should an injury occur during an IFC event or activity.
IFCs must be a dues-paying council to opt into our IFC Insurance Program. This insurance protection is critical for IFC officers. The program includes general liability, commercial crime and director and officer coverage at a greatly reduced rate. Chapter risk management fees and insurance do not extend to IFC officers. And most colleges or universities do not extend insurance coverage to students or student organizations. This program is flexible to add the host institution and advisors as additional insured. Coverage also extends to Alumni IFCs. The program provides a level of cost-effective coverage not available in the open insurance market.
2026-2027 IFC Insurance Rates
| TIERS | # OF IFC CHAPTERS | AMMOUNT |
|---|---|---|
| Tier 1 | 1-3 | $633.50 |
| Tier 2 | 4-6 | $802.50 |
| Tier 3 | 7-9 | $1,478.00 |
| Tier 4 | 10-12 | $2,058.50 |
| Tier 5 | 13-15 | $2,349.00 |
| Tier 6 | 16-20 | $2,639.50 |
| Tier 7 | 21-25 | $3,325.50 |
| Tier 8 | 26+ | $4,012.00 |
Councils participating in the IFC Insurance Program receive a Certificate of Insurance (COI) as proof of coverage with accompanying Insurance and Claim Manual.
General Liability: Provides coverage, for the most part, to claims of bodily injury, property damage and personal injury arising out of the IFC’s liability associated with its operations and activities.
Commercial Crime: Provides coverage for claims arising out of criminal acts, typically involving the theft of IFC funds.
Directors & Officers Liability: Offers directors and officers protection from a wide variety of claims such as third-party discrimination and allegations that an officer failed to fulfill his/her fiduciary duties to the organization.
What type of events are covered? Or excluded?
- Peer monitoring activities
- New student activities and fairs
- Recruitment activities
- Educational programming
- Leadership academy/retreat
- Leadership development conferences
- Community service projects
- Philanthropy events
- Blood drives
- Alumni IFC activities
- Homecoming activities
- Greek Week activities
- Non-contact athletic events
- Concerts and DJ performances of less than 1,000 attendees
Would require a special event policy:
- Events with alcohol
- Events with inflatables
- Contact sports
- Events with attendance exceeding 1,000
Excluded: Events with firearms, fireworks or other explosive devices
