Club Liability Insurance Program
The CSU has implemented club insurance for all 23 CSU campuses. Titled the Club Liability Insurance Program (CLIP), it covers General Liability for claims made both on- and off-campus.
Major exclusions include:
- Automobile Liability
- Alcohol furnished at Club Activities/ Events
- Fraternal Organizations (The CSU's insurance underwriter has determined that this pertains to all organizations with Greek letters, including academic and honors societies)
- Hazing
- Athletic activities
- Intentional Discrimination
Farmers Market Insurance
CLIP also includes coverage of Farmers Market events. Read more about hosting a table at San Luis Obispo Farmers Market.
Special Event Insurance
You might need Special Event Insurance if your event meets any of the following criteria:
- More than 100 attendees
- Open to the public
- Minors attending
- Animals or potentially hazardous activity
If you are having your event on the Cal Poly campus, your organization and event is eligible for CLIP, and need additional insurance, Special Event Insurance may be procured through Cal Poly's Office of Risk Management.
Risk Management
Insurance for Organizations and Events Not Covered by CLIP
Some organizations are required to provide their own insurance because Club Liability Insurance Program (CLIP) does not cover them. Examples include:
- Any club with greek-lettered names, even if you are not a social fraternity or sorority
- Any club that banks off-campus
- Any club that conducts activities that are not covered by CLIP
The Certificate of Liability Insurance should provide Commercial General Liability Coverage of:
- $1,000,000.00 per occurrence
- $2,000,000.00 aggregate
Here's an example: Certificate of Liability Insurance Sample
If you are affiliated with an organization, such as a national fraternity or sorority, you can save money by asking for a certificate of liability insurance from them. If you're not sure, you can always ask.
You should email your affiliated organization to see if they are able to provide this. Here is an example you can copy:
Subject: Certificate of Liability Insurance Needed
Hello,
We require a Certificate of Liability Insurance. Please reply with a Certificate of Liability Insurance attached with General Liability Coverage of $1,000,000.00 per occurrence and $2,000,000.00 aggregate.
Thank you,
(Your Name)
Online Resources
Organization Insurance:
Special Event Insurance Quotes:
Please Note: None of these companies are endorsed by California Polytechnic State University. We are simply providing links to the most commonly used companies for your convenience.
