Insurance Coverage

RMF strives to help enable students, alumni, and volunteers to identify and responsibly manage exposure to risk to best protect and improve the health, safety and wellness of all our members and communities.

RMF works to protect the

  • health and safety of our members
  • financial strength, assets, real property and intellectual property of the Fraternity and its Brotherhood
  • network of officers and volunteers from personal exposure in their fraternal service, and
  • continuation of the Sigma Chi experience on our campuses and in our world.

$252,000,000 in property covered by the RMF.

We Protect Through...

  • Securing, subsidizing and providing access to broad and comprehensive loss coverage at the best possible global market rates to protect the Fraternity, its organizations, properties, assets, chapters, members and volunteers.
  • Our Sigma Chi group insurance program which covers members, officers and volunteers while acting within the scope of Fraternity activities and policies. We are committed to supporting and protecting all Sigma Chi brothers, officers and alumni volunteers, and our coverages safeguard them from personal exposure in their fraternal service.
  • Providing advice and guidance on risk and crisis management to members and volunteers.
  • Advocating on behalf of the collegiate fraternal experience and for safe, effective and just campus social policy.
  • Supporting chapter house life safety initiatives, including our aim to have all Sigma Chi chapter houses fully protected with fire suppression systems.
  • Ensuring the perpetuation of Sigma Chi values and great aims of friendship, justice and learning on our campuses, in our communities and throughout our world.

RMF Insurance Resources

Understanding your RMF bill

Your chapter’s RMF insurance contribution is calculated by the following:

1. Number of Members

The average number of members listed on your Sigma Chi Chapter System Membership Report for the previous academic year.

2. Chapter Claims History

This ratio represents the total contributions your chapter has paid into the RMF shared-risk program over the previous four years versus any costs or damages paid out as a result of claims made against your chapter in order to assess chapters that have demonstrated a high frequency or severity of claims and to reward chapters with successful risk management procedures.

-1% discount to +60% surcharge.

3. Risk management Violations

A surcharge may be imposed for any conduct, discipline or risk management policy violations found against a chapter in the prior academic year.

Up to +10% surcharge based upon severity or frequency.

4. Alcohol-Free Chapter House or Facility Credit

A credit for a chapter’s commitment to alcohol and substance-free housing facilities and the use of licensed, insured professionals for the provision and service of alcohol at all off-site events.  Making this chapter-wide alcohol-free housing and licensed vendor commitment earns a 22% reduction in your RMF fees. The Alcohol-Free Housing & Licensed Vendor pledge must be submitted by Sept. 30.

-22% discount (-15% for pledge or +7% surcharge otherwise). 

5. Fire-Suppressed chapter house or facility credit

Credit for any chapter that hosts ALL chapter functions in fully sprinkled/fire suppressed facilities.

-5% discount.

6. Chapter Risk Management Plan Commitment Credit

Credit for any chapter that submits an approved risk management plan to the RMF by Sept. 30. The plan must be reviewed in a formal chapter setting and signed by all brothers.

-6% discount (-3% for plan or +3% surcharge otherwise). 

7. Enhanced Chapter House Security

Credit of up to 5% discount for approved security, camera and electronic entry systems.

8. Chapter Risk Management Presentation

Credit of 2% discount if your chapter hosts a risk management presentation. Documentation of presentation and attendance of more than 75% of chapter members should be submitted to the RMF by Sept. 30.

9. Robert E. Joseph RMF Scholar Award Winner

Credit of 2% discount for winning chapters.

10. Peterson Award Winner

Credit of 1% for a Peterson Significant Chapter Award and 2% for Peterson Gold Award-winning chapters.

RMF Member Discounts & Incentives

Reduce your chapter’s RMF contribution costs by 20% or more.

Successful Chapter Claims History

Chapters with successful risk management procedures are rewarded a discount, while chapters that have demonstrated a high frequency or severity of are assed with a surcharge. 

-1% discount to +60% surcharge.

Avoid Risk Management Violations

A surcharge may be imposed for any conduct, discipline or risk management policy violations found against a chapter in the prior academic year.

Up to +10% surcharge based upon severity or frequency.

Alcohol-Free Chapter Facility & Licensed Vendor Pledge

Earn a 22% discount for your chapter’s commitment to alcohol- and substance-free housing facilities and the use of licensed, insured professionals for the provision and service of alcohol at all off-site chapter events. 

-22% discount.

Chapter Risk Management Plan Commitment Credit

Earn a 6% discount by developing and committing to effective chapter risk management procedures, policies and plans. Your Chapter Risk Management Plan Commitment must be reviewed in a formal chapter setting and signed by all brothers.

-6% discount.

Chapter Risk Management Presentation

Earn a 2% discount by hosting a risk management presentation for your chapter or campus. Please submit documentation of presentation and attendance of more than 75% of chapter members by Sept. 30.

-2% discount.

Fire-Suppressed Chapter House or Facility Credit

A credit for any chapter that hosts ALL chapter functions in fire-suppressed facilities.

-5% discount.

Enhanced Chapter House Security

Earn up to 5% discount for approved security, camera and electronic entry systems.

Robert E. Joseph RMF Scholar Award Winner

Receive a credit of 2% for winning chapters.

Peterson Significant Chapter Award Winner

Receive a credit of 1% for a Peterson Significant Chapter Award and 2% for Peterson Gold Award-winning chapters.

Please submit all incentives to the RMF by Sept. 30.

Questions? Email services@rmfeducation.org.

Certificates of Insurance

Certificates of Insurance provide others with evidence of and basic information about your insurance coverage.  Request for Certificates may arise from:

  • School Recognition Requirements or Relationship Statements
  • Proof of Insurance requests from venues, vendors or partners, or
  • Fraternity housing agreements.

Standard Certificates of Insurance

Most commonly requested, Standard Certificates of Insurance provide evidence of basic insurance information to third parties such as schools, lenders, vendors and landlords. These insurance certificates show proof of your insurance, and do not provide insurance for the third party to whom they are furnished. COIs provide the policy numbers, underwriters, policy period, coverages and limits for your Policy. This Standard Certificate of Insurance should satisfy most requests regarding proof of insurance.

This also provides a good opportunity to review, update and educate all members on your Chapter’s event and risk management planning standards. Your forethought and advanced planning now, best ensure the future of the Fraternity and the safety of all.

RMF Chapters in good standing may view your RMF Standard Certificate of Insurance here

If you require verification or assistance regarding a Standard Certificate of Insurance, please submit the form below:

Certificate of Insurance - Additional Insured

Additional Insured COIs list a third party, such as an institution, venue or vendor, as an additionally insured entity on your Policy. Such requests are less common, increase our insurance costs, and only apply where expressly required by a valid contract or standard written policy.

 

Please remember to plan ahead. Additional Insured requests require 30 days’ processing time.

 

Requests and supporting documentation must be received in our underwriters’ office 30 days before the certificate is needed. This permits time for gathering all information, review by insurer or legal counsel, and making any necessary adjustments to the event plan.

To provide an Additional Insured on your policy, our underwriters require:

 

  • 30 days advance processing time before the event.

Requests and supporting documentation must be received in our underwriters’ office 30 days before the certificate is needed. This permits time for gathering all information, review by carrier or legal counsel, and accomplishing any necessary adjustments to the event plan.

 

  • Documentation of the underlying contract or policy requirement.

Our brokers require documentation of the underlying contract or policy requiring proof of insurance.  Unfortunately, verbal or unsupported request alone will not suffice.  

Schools: If your school is requesting to be named as an additional insured, such requirement must be published in an official policy or handbook outlining such requirements for all student organizations.  

 Venues or Lodges: If a venue is requesting to be named as an additional insured, such requirement must be included in their contract or rental agreement.

 

  • Completed Event Planning Form (below).

This provides a good opportunity to review, update and educate all members on your Chapter’s event and risk management planning standards. Your forethought and advanced planning now, best ensure the future of the Fraternity and the safety of all.

Event Planning Form

Forms with incomplete information or missing attachments will be rejected by underwriters. Review will result in: Acceptance, Rejection, or Function Plan Adjustments.

  1. Please be sure to attach a copy of the underlying contract or written standard policy which requires the naming of an additional insured to your Policy.
  2. In order to speed response time and minimize errors, please also attach a written communication from the requesting party, stating any exact names, address, information or verbiage to be included on the certificate. For requests from Lenders, the Customer or Loan Number and any required Property Insurance Values should be included.
  3. Review all contracts with your legal counsel before execution. We do not offer legal advice or draft contractual agreements. We will be pleased to assist your legal counsel in reviewing the risk management considerations of contracts.

General Information

General Event Information

Planned Attendance: Please indicate the estimated amount of the following.

Alcoholic Beverage Exposures
A. Alcohol Approval & Policies

B. Service of Alcoholic Beverages

C. Legal Age Identification

Contractual Exposures

Your legal counsel should review all contracts before they are executed, executing any contract, lease or rental agreement may obligate you, your chapter, or others for losses that may not be covered by insurance. We would be be pleased to discuss the risk management and insurance considerations of contracts with your attorney. To help limit contract liability exposures within the scope of your insurance, we suggest that the words, "to the extent provided by our insurance" be inserted into all hold harmless and indemnity clauses of any agreements.

A. Rental Property

Coverage is not provided under your insurance policy for property damage to "Property Loaned to You", "Property you own rent or occupy", or "Personal property in your care, custody or control."

B. Request for Evidence of Rental Insurance

All additional insured requests must submit a copy of the agreement or policy that outlines that venue/organization's requirement.

C. Crowd Control and Security

Food and Entertainment

Off-Premises/Transportation Exposures

Round-trip public transportation or 3rd party transportation services should be utilized by all persons attending off-campus functions. Alcoholic beverages are not permitted at any time during/travel/transportation.

Emergency Procedures

Persons responsible for the below should not be allowed to consume any alcoholic beverages.

Evidence of Property Insurance (EOIs)

Evidence of Property Insurance (EOIs) provides proof of property insurance coverage to a legally interested party. To provide EOIs, our underwriters require a written request from the seeking party. For Lender requests, the Customer or Loan Number and Required Property Insurance Values must be included. Please allow 10 business days for processing.

Evidence of Property Insurance (EOIs)

Evidence of Property Insurance (EOI) provides proof of an insured’s property insurance coverage for a legally interested party. To provide EOIs, our staff requires a written request from the party requiring evidence of your insurance. For requests from Lenders, the Customer or Loan Number and Required Property Insurance Values must be included. Please allow 10 business days for processing.

Request EOI Certificate below or Contact Us with any additional questions.

Risk Management Foundation Insurance Program 
Claim & Accident Reporting Form 

Any loss or claim that may involve the protection covered by your insurance program should be reported promptly to RMF. Prompt reporting often prevents minor claims from becoming major problems. Failure to promptly report claims violates the conditions of our insurance policy and could result in the insurance company being relieved of responsibility for payment of an otherwise valid claim.

A chapter officer should report any potential claim or accident within 24 hours of the incident. 

Please follow the guidelines and submit the Claim Form below to begin the claims service process by the Risk Management Foundation and our Insurance Provider, JR Favor & Company.

1. SEEK MERGENCY MEDICAL TREATMENT FOR ANY INJURED PERSONS

As necessary, secure appropriate emergency medical attention for any and all injured persons.

2. DO NOT ADMIT LIABILITY, ACCEPT RESPONSIBILITY OR MAKE PUBLIC STATEMENTS

Your insurance policy requires/provides that no one shall, except at their own expense, make any payment, assume obligations, or incur any expense other than for first aid. Only the insurance company has the authority to accept responsibility, make payments, repair damages, defend or otherwise settle a claim under the policy.

3. IF SUIT IS FILED OR LEGAL PROCESS HAS BEEN SERVED

If suit, legal process, or claim notice is served upon anyone, IMMEDIATELY NOTIFY, and forward copies of the suit and all materials to: claims@riskmanagmenteducation.org

4. COOPERATE WITH THE INSURANCE COMPANY

Authorize our insurance company to obtain and inspect necessary records and other information. Respond promptly and cooperate fully with the insurance company in the investigation, defense and settlement of all claims.

5. SUBMIT CLAIM/ACCIDENT REPORT FORM

If you have any questions about this process, please contact the Risk Management Foundation offices at (847) 869-3658 or claims@rmfeducation.org.
Fill out the claim/accident report form (for chapters and incidents relating to chapter activities) or the property damage claim form (for house corporations and physical chapter house property damage claims) below.

The Chapter President should complete this form within 24 hours of the incident. 

General Information

Incident Details

Persons Involved

Employee Information

Incident Report

Witnesses to this Incident

Form Completed By

Please submit this form if a property insured through the RMF program suffered damages and there is interest in submitting a claim. Please note, that any property claim has a $5,000 deductible, so if the damages do not exceed that amount, it is likely preferable to make the necessary repairs without submitting a claim.

Evidence

Please send any pictures or witness contact information to rmf@sigmachi.org . Subject line should read "Chapter name incident details"

General liability only RMF membership application

Please note that the General Fraternity requires insurance coverage, as stated in ECR 6.02-i-4, to be in place once the Declaration of Intent has been officially accepted by the New Chapter Development Committee and the Executive Committee.

 

NOTE: Completion of application does not constitute a binding of coverage. Applications will be reviewed and rated with a formal proposal and invoice to follow.

 

Please email rmf@sigmachi.org with questions. 

Chapter Mailing Address

Chapter Advisor Information

Risk Manager Contact Information

Complete the rest of the questions ONLY if you are a chapter WITH property

Property Address Information

House Corporation President Information

Insurance Contact Information

House Corporation Treasurer Information

Property Only Insurance Application

NOTE: Completion of application does not constitute a binding of coverage. Applications will be reviewed and rated with a formal proposal and invoice to follow.

 

Please email rmf@sigmachi.org with questions. 

Property Address Information

Chapter Advisor Information

Billing Contact Information

Mortgage/Loss Payee Information

Facility Inspection Contact

Building Information

Please provide what year each of the following was last replaced / updated / renovated:

Types of Fire Protection Systems

Square Footage

Any Unusual Hazards Nearby?

Heating / Cooling

Sprinkler System

If yes, answer the following questions.

If yes, please complete the contractor's contact information below.

Current Coverage

APPLICATION WARRANTY AND INSTRUCTIONS

I hereby warrant and confirm that the above information, to the best of my knowledge, is true and correct, and further certify that I have read all of the questions and answers of this application. I understand this application is a requirement for coverage and evidence of my acceptance of this insurance, and any falsification or misrepresentation will be deemed a breach of contract, voiding all insurance coverage. It is understood and agreed that the completion of this application shall not be binding either to the proposed insured or the company until accepted by the company or companies in writing from James R. Favor & Company, LLC.

Colonies only RMF membership application

Please note that the General Fraternity requires insurance coverage, as stated in ECR 6.02-i-4, to be in place once the Declaration of Intent has been officially accepted by the New Chapter Development Committee and the Executive Committee.

 

NOTE: Completion of application does not constitute a binding of coverage. Applications will be reviewed and rated with a formal proposal and invoice to follow.

 

Please email rmf@sigmachi.org with questions. 

 

Sigma Chi Fraternity and the RMF have an agreement in place to allow colonies some financial flexibility during their development. Download this document for more information about colonies’ RMF subscription fees.

Colony Information

Chapter Mailing Address

Colony President Information

Colony Advisor Information

Risk Manager Contact Information

Complete the rest of the questions ONLY if you are a colony WITH property

Property Address Information

House Corporation President Information

House Corporation Treasurer Information