Higher Education

Hazing Risks

University relationships with student organizations can help mitigate the risk of hazing.
By: | January 25, 2016 • 4 min read

Hazing is strictly prohibited on virtually all college campuses, yet it still happens. And it can still tragically lead to death.


More than half of college students involved in clubs, teams and organizations experience hazing, according to Stop Hazing, a nonprofit that serves as a resource for hazing research and prevention.

Its survey of 11,000 college students, in conjunction with The North American Interfraternal Foundation, found that alcohol consumption, humiliation, isolation, sleep-deprivation and sex acts are common hazing practices across all student groups.

John McLaughlin, managing director, higher education practice, Arthur J. Gallagher Risk Management

John McLaughlin, managing director, higher education practice, Arthur J. Gallagher Risk Management

“Any college or university that has a large Greek population or athletic teams is concerned about hazing practices, which can also occur throughout the campus, including in marching bands,” said John McLaughlin, managing director, higher education practice at Arthur J. Gallagher Risk Management in Itasca, Ill.

“Universities have been very strident and specific about prohibiting hazing in any form on campus,” he said, as do the organizations themselves.

While fraternities seem to be most targeted in discussions about hazing, the practice is by no means limited to Greek life.

In 2011, Florida A&M Marching Band member Robert Champion was beaten to death in a hazing incident.

According to a 2014 research study published in the “Journal of Research in Music Education,” nearly 30 percent of marching band members responding to an online questionnaire indicated they observed some form of hazing in their marching band.

The most common acts involved public verbal humiliation or degradation. Most went unreported.

Universities have strict policies prohibiting hazing, and virtually all provide training for students during orientation, McLaughlin said. Many organizations provide additional training to students who are members of Greek organizations.

“There are many creative steps to be more engaged with the Greek organizations, including requiring live-in adults to supervise students in Greek housing,” he said.

The most common acts involved public verbal humiliation or degradation. Most went unreported.

By and large, universities are covered under their insurance policies if they are named in suits alleging failure to supervise university organizations, or failing to take appropriate action to prevent hazing, McLaughlin said.

In addition, if hazing is done by a university employee, such as athletic coaches, the institution would be protected under their policy, but there may be limited coverage for the employee.

In addition to communicating to freshman at orientation, many institutions reinforce the perils of hazing to upper classmen, as well as to the advisers of Greek organizations who are expected to look out for hazing, said Richard Vohden, national education practice leader at Marsh Risk Consulting in Morristown, N.J.

“There is zero tolerance for any kind of hazing,” Vohden said. “Even keeping pledges up past 2 a.m. in the morning or scavenger hunts where someone else’s personal property can be taken are prohibited activities.”


Many institutions also make sure to communicate to organizations that hazing is considered a criminal office in 44 states.

“For example, a pledge died due to hazing at a New York City university, and members of that fraternity were indicted for murder,” Vohden said.

In that case, five members of Baruch College chapter of the Pi Delta Psi fraternity in September 2015 were charged of third-degree murder, nearly two years after the death of Chun Hsien Deng, who was seeking to join the fraternity and was fatally injured during a hazing event.

Deng was blindfolded and forced to wear a backpack filled with sand while taking blows from fraternity members as he tried to cross a frozen yard during a weekend retreat in the Poconos, according to press reports.

He was knocked unconscious and carried inside, but instead of immediately seeking help, the fraternity members used their cellphones for searches using phrases like “concussion can’t wake up,” and called a national fraternity leader, who is accused of telling them to hide any possessions identifying the fraternity.

An hour passed before fraternity members drove Deng to the hospital, where he died.

In all, 37 members of the fraternity were criminally charged, and the national fraternity itself also faces criminal charges, including murder.

Leta Finch, national leader higher, education practice, Aon Risk Solutions

Leta Finch, national leader higher, education practice, Aon Risk Solutions

“Schools have done a good job of trying to prevent hazing, but more recently school and Greek organizations have become much more scrutinized,” said Mark Turkalo, national education and public entity placement leader at Marsh in New York City.

“Because of the increased awareness and exposure to hazing, some are being told by their carrier that they would no longer be insured and to find coverage elsewhere.”

Insurance is becoming a lot more difficult for Greek organizations to obtain, Turkalo said. Hazing is an exclusion and retentions continue to rise.

A university’s influence in mitigating hazing depends on the relationship between the institution and the organization, said Leta Finch, national leader higher, education practice at Aon Risk Solutions in Burlington, Vt.


It is more difficult for institutions when they maintain an arm’s length relationship, she said. If there is a close relationship, the university can be involved in establishing policies and inspecting housing facilities.

“For those schools that have banned Greeks, in some cases there are underground Greek societies that have been established,” Finch said. “Schools can’t prevent students forming these organizations, though sometimes these underground Greeks have caused hazing injuries that have resulted in death.”

Katie Kuehner-Hebert is a freelance writer based in California. She has more than two decades of journalism experience and expertise in financial writing. She can be reached at [email protected]

More from Risk & Insurance

More from Risk & Insurance

4 Companies That Rocked It by Treating Injured Workers as Equals; Not Adversaries

The 2018 Teddy Award winners built their programs around people, not claims, and offer proof that a worker-centric approach is a smarter way to operate.
By: | October 30, 2018 • 3 min read

Across the workers’ compensation industry, the concept of a worker advocacy model has been around for a while, but has only seen notable adoption in recent years.

Even among those not adopting a formal advocacy approach, mindsets are shifting. Formerly claims-centric programs are becoming worker-centric and it’s a win all around: better outcomes; greater productivity; safer, healthier employees and a stronger bottom line.


That’s what you’ll see in this month’s issue of Risk & Insurance® when you read the profiles of the four recipients of the 2018 Theodore Roosevelt Workers’ Compensation and Disability Management Award, sponsored by PMA Companies. These four programs put workers front and center in everything they do.

“We were focused on building up a program with an eye on our partner experience. Cost was at the bottom of the list. Doing a better job by our partners was at the top,” said Steve Legg, director of risk management for Starbucks.

Starbucks put claims reporting in the hands of its partners, an exemplary act of trust. The coffee company also put itself in workers’ shoes to identify and remove points of friction.

That led to a call center run by Starbucks’ TPA and a dedicated telephonic case management team so that partners can speak to a live person without the frustration of ‘phone tag’ and unanswered questions.

“We were focused on building up a program with an eye on our partner experience. Cost was at the bottom of the list. Doing a better job by our partners was at the top.” — Steve Legg, director of risk management, Starbucks

Starbucks also implemented direct deposit for lost-time pay, eliminating stressful wait times for injured partners, and allowing them to focus on healing.

For Starbucks, as for all of the 2018 Teddy Award winners, the approach is netting measurable results. With higher partner satisfaction, it has seen a 50 percent decrease in litigation.

Teddy winner Main Line Health (MLH) adopted worker advocacy in a way that goes far beyond claims.

Employees who identify and report safety hazards can take credit for their actions by sending out a formal “Employee Safety Message” to nearly 11,000 mailboxes across the organization.

“The recognition is pretty cool,” said Steve Besack, system director, claims management and workers’ compensation for the health system.

MLH also takes a non-adversarial approach to workers with repeat injuries, seeing them as a resource for identifying areas of improvement.

“When you look at ‘repeat offenders’ in an unconventional way, they’re a great asset to the program, not a liability,” said Mike Miller, manager, workers’ compensation and employee safety for MLH.

Teddy winner Monmouth County, N.J. utilizes high-tech motion capture technology to reduce the chance of placing new hires in jobs that are likely to hurt them.

Monmouth County also adopted numerous wellness initiatives that help workers manage their weight and improve their wellbeing overall.

“You should see the looks on their faces when their cholesterol is down, they’ve lost weight and their blood sugar is better. We’ve had people lose 30 and 40 pounds,” said William McGuane, the county’s manager of benefits and workers’ compensation.


Do these sound like minor program elements? The math says otherwise: Claims severity has plunged from $5.5 million in 2009 to $1.3 million in 2017.

At the University of Pennsylvania, putting workers first means getting out from behind the desk and finding out what each one of them is tasked with, day in, day out — and looking for ways to make each of those tasks safer.

Regular observations across the sprawling campus have resulted in a phenomenal number of process and equipment changes that seem simple on their own, but in combination have created a substantially safer, healthier campus and improved employee morale.

UPenn’s workers’ comp costs, in the seven-digit figures in 2009, have been virtually cut in half.

Risk & Insurance® is proud to honor the work of these four organizations. We hope their stories inspire other organizations to be true partners with the employees they depend on. &

Michelle Kerr is associate editor of Risk & Insurance. She can be reached at [email protected]