• General Liability – Fraternal Property Management Association (FPMA)

    What is Fraternal Property Management Association?

    General Liability Insurance Program for Owners of Fraternity, Sorority, and Student Organization Housing

    Owners of traditional fraternity and sorority housing, whether through a non-profit house corporation or for profit individual or entity, face unique exposure to risk other landlords do not face. As an owner, you face issues of alcohol, hazing, assault & battery, sexual assault and the traditional premises exposures. Finding a carrier that will underwrite a chapter house risk with acceptable terms and conditions is difficult. Some carriers will offer terms with very restrictive coverage. Add in the minimum premium requirements many carriers would require to even consider the business, it 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 and 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 utilization of master policies, we are able to offer broad coverage for a competitive premium.

    Want to take this information with you? Click here for a PDF.

    Ready to apply? Fill out this online application.

    FPMA Liability Program Highlights

    • A- or better rated insurance carriers
    • No Exclusions for hazing, assault & battery, sexual assault and/or abuse of alcohol
    • Host Liquor Liability
    • Hired & Non-Owned Auto Liability
    • Expenses paid in addition to the limit
    • Primary coverage for House Corporation Officers
    • Coverage territory not limited to designated premises
    • Corporation’s own limit – no shared limit
    • Low deductible of $2,500

    Program Specifications

    Commercial General Liability Policy Limits

    Each Occurrence $1,000,000
    Annual Aggregate $2,000,000
    Products/ Completed Operations Aggregate $1,000,000
    Personal/Advertising Injury Limit $1,000,000
    Fire Legal Liability $1,000,000
    Medical Payments Excluded

    Optional Excess Limits

    Each Occurrence $1,000,000
    Annual Aggregate $1,000,000


    To get started, contact

    Holmes Murphy Fraternal Practice
    Marketing Department
    13810 FNB Parkway Suite 300
    Omaha, NE 68154

    Phone: (800) 736.4327
    Fax: (800) 328.0522
    Email: fraternalinsuranceapp@holmesmurphy.com

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General Liability – Fraternal Property Management Association (FPMA)