Reminder: This bulletin is for informational and educational purposes only. As always, please ensure that you are following  the guidance and recommendations of your national organization first and foremost. 

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In the past, this newsletter has been distributed approximately six times a year. With the increase in resources that we are developing, we are transitioning to sending this communication out every month and combining our employment news items into News & Notes. Should you have any questions or topics you would like us to address, please contact Sara Sterley, Director of Risk Management Education, with your suggestions!

Fall 2021 & COVID-19

As we step into another pandemic academic year, we have updated two important resources for Fall 2021: The guidance varies greatly depending on what your chapter's college/university is requiring in terms of vaccination, as well as communal spread. In addition to our resources above, for further reading, we recommend the Considerations for Reopening Institutions of Higher Education for the Fall Semester 2021 produced by the American College Health Association.

In addition to the resources above, MJ Insurance has developed this FAQ packet about vaccines.  
Operating in the New Normal

We invited Woody Ratterman of CSL Management to share with us CSL's lessons from Covid and what they foresee as we navigate a new normal. Join Woody to discuss strategizing for the pandemic, continuous supply change disruptions, inflation risks, and managing capacity. While the challenges themselves might not all be new, the volume and timing is unprecedented. Join us for a discussion of the problems we face, along with brainstorming some possible solutions.

When: Tuesday, September 21, 2021 1:00 PM - 2:00 PM ET
Register here (if you cannot make live webinar, register anyway to receive recording)

Covid-Related Claims Update

Over the last eighteen months, 30 states instituted liability laws designed to protect businesses from Covid-19 lawsuits, out of fear that companies would be sued for exposing employees, clients, vendors, and, in the case of sororities, collegiate and alumnae members to the disease. These new liability protection laws vary from state to state, but most of them seek to insulate all or specific kinds of businesses from the lawsuits that attempt to establish culpability. There are exceptions to these laws, such as allegations of negligence, willful misconduct, or a provable failure to follow public health orders. See this map to see where your state falls.

Sorority chapter houses are a unique exposure with the residential housing, food service, and social event risks that are typically present. To date, the MJ Sorority program has experienced very little activity or incidents alleging that a person got sick while being either on your premises or at a sorority event. The ability to isolate where someone contracted Covid-19 is very difficult, especially with collegiate members who are operating on a university campus.

The risk if an employee contracting Covid-19 directly from their work is also something very difficult to isolate and ultimately be able to prove. We have had only one incident since February 2020, in which a house director become ill with the virus and alleges that she contracted Covid-19 at work. The National Council on Compensation Insurance, which analyzes workers' compensation data, nearly 75 percent of Covid-19 workers' compensation claims so far have involved workers at nursing homes, hospitals, and other healthcare settings.

We will continue to monitor claims trends in this area as we continue to navigate the pandemic, and we will be sure to inform you of any recommended risk management techniques.

COVID-19 Response

We have created a page on our website for our resources and FAQs related to COVID-19. This situation is very fluid and changing hour-by-hour, so be sure to bookmark this page and continue to refer to it for additional information as we have it.
COVID-19 Response at

Severe Weather Trends: Expect to See More

Just in the last month since we sent out the last newsletter, we have seen severe wildfires in northern California and Oregon (as well as around the globe), severe flash flooding from Hurricane Ida, and severe drought conditions in the West. 

This is not surprising to anyone who read the Intergovernmental Panel on Climate Change (IPCC)'s recently released report. Insurance companies continue to pay close attention to the IPCC reports, so that they can improve their catastrophic modeling and better structure their policies. Many of you have already experienced more severe weather where you live, and we expect to see more impacts across the country in the coming years, which is likely to influence both insurance premiums and coverages. In fact, the insurance industry is already experiencing the effects of climate change: natural catastrophe losses in 2020 were up 26.5% from 2019, according to Investopedia, and over the last five years nearly doubled those of the prior five. 

At MJ Sorority, we are hopeful that, because college and university campuses are typically developed on preferable property when it comes to flooding, wildfire risk, hurricane prone areas, etc., sorority housing is less prone to severe weather events caused by climate change; however, as scientists predict in the most recent IPCC report, it is increasingly likely that most places around the globe will be impacted by climate change to one extent or another. It is important that House Corporations and sorority leadership are contemplating these predictions in their plans and budgets.

If you have further questions, please do not hesitate to contact us. As a reminder, here are the directions for what to do in the event of a claim.

Disruptions Don’t Wait: The Critical Importance of Crisis Management, Planning + Resiliency

Is your organization prepared to handle a major crisis causing significant disruption to your business operations or to the lives of your people?

Once a crisis event occurs, it’s often too late to create a plan. From operational disrupters to cyber-attacks and data breaches, a well-crafted emergency response plan—that you can deploy at a moment’s notice—is a critical necessity for your organization’s continuity.

Join MJ’s Vice President of Client Experience, Risk Management, Aaron Parker, on Tuesday, September 21st, to discover the mission critical steps you should take before, during and after a crisis event. Our panelists will include Jack Holt, Risk control Consulting Director – Business Resiliency at CNA Insurance, Steven Orusa, Chief of Fire & Emergency Services at City of Fishers and Ann Robertson, Managing Director of Public Relations at LAVIDGE.

This one-hour webinar will help you reach a deeper understanding of the importance of establishing a crisis management and operations continuity structure, and developing communication strategies for responding to incidents that have the potential to dramatically impact your organization’s success, reputation or ability to operate in the short and long term.

When: Tuesday, September 21, 2021 2:30 PM - 3:30 PM ET
Register here (if you cannot make live webinar, register anyway to receive recording)

Note: this webinar is being presented by MJ Insurance and geared toward a broad audience beyond the sorority community. It will be valuable information, but not necessarily specifically tailored to MJ Sorority clients.

Pandemic Lessons

We want to start a series in the newsletter about lessons from the pandemic. Email Sara with what you've learned or relearned from the pandemic/the last eighteen months, and we'll feature you in a future newsletter (and probably send you a gift too!).

Additional Resources

Bookmark the MJ Insurance COVID-19 response page for many additional legislative updates, webinars, and more. 
Our partners at Fisher Phillips have developed many helpful and detailed employment-related Covid-19 resources. Be sure to check out and bookmark their website.
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This Risk Management Bulletin is not intended to be exhaustive nor should any discussion or opinions be construed as legal advice. Readers should contact legal counsel for appropriate  legal advice.

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