Section: Financial
Policy Number: 3-1
Policy Name: University Insurance Coverage
Date: October 1, 1981
Revisions: December 1, 1987; June 5, 1989; November, 2000; February 2005; July 1, 2005

  1. PURPOSE

    To outline the general and automobile insurance protection provided University personnel.

  2. POLICY

    1. General Liability Insurance

      The University, its employees, students and agents are generally protected by comprehensive general liability insurance from the consequences of negligence in the performance of official University business.

      Subject to the terms and conditions of the policy, this insurance provides protection for claims brought by third parties as a result of bodily injury or property damage resulting from the alleged negligence or negligence of the University, its employees, students or agents acting within the scope of authorized duties on behalf of the University.

    2. Automobile Insurance

      The University maintains automobile liability insurance that applies to University owned vehicles and will automatically cover the liability of any employee, student or other person while driving or using these vehicles on authorized University business. The use of a University vehicle for other than official business could be termed unauthorized, which would result in no insurance coverage for the person operating the vehicle.

      In addition to liability coverage, all University vehicles are insured for physical damage (collision and comprehensive coverage), with a $500 deductible per occurrence which is charged to the responsible department. University insurance does not provide physical damage coverage for privately owned vehicles.

      In the event of an accident involving a University vehicle the UD Accident Reporting Kit contained in the vehicle glove box must be completed following the report instructions contained therein. If an Accident Reporting Kit is not included in the vehicle contact the Office of Risk Management. With respect to liability for accidents involving other vehicles (such as those personally owned or leased by employees and students) on official University business, the University's insurance provides excess coverage. This coverage would apply only to the claims that exceed the vehicle owner's insurance (which is considered primary insurance for the owner, driver, and the University) and the driver's insurance (which is secondary if the driver is other than the owner). All persons using private vehicles on University business or in University-supported activities should be advised of the need to carry adequate automobile liability coverage under their own insurance policies. Limits of at least $500,000 per person, per occurrence for bodily injury and $250,000 per occurrence for property damage are suggested. If an employee is in the practice of regularly utilizing their personal vehicle for University business, this must be declared on any application or information solicitation from his or her insurance carrier. For additional information regarding University automobile and drivers see Policy 7-17.

    3. Property

      The University maintains a self insured fund to provide all risk coverage for University owned micro computers, peripherals and certain other electronic office equipment, excess of a $500 deductible. Claims for losses should be directed to the Office of Risk Management.

      The University assumes no responsibility for loss or damage to personal property. Employees are urged to carry personal property insurance to cover items of value. This coverage is often included in homeowner's policies.

    4. Other

      Personally owned or leased aircraft may not be used on University business without the specific prior written approval of the Provost. A certificate of aircraft liability insurance should be submitted and approved by the Office of Risk Management prior to use of the aircraft.

Submitted by: Risk Management