The opening of brick-and-mortar colleges and universities in fall 2020 will present a challenge due to the absence of a vaccine for COVID-19. With the reality of COVID-19 in mind, can we imagine clustering students, faculty and staff in residence halls, small classrooms, lecture halls and offices in fall 2020? What if COVID-19 flares up on campuses? What if colleges and universities open in fall 2020, and students, faculty and staff start dying from COVID-19? Colleges and universities will have to endure unimaginable liability if they reopen too soon; insurance companies will be reluctant to insure them. If such companies decide to provide their services, they will charge high premiums. Therefore, it is imperative that colleges and universities act responsibly, regardless of their size, location and population (traditional versus adult students) and offer online courses until a vaccine becomes available.