1. University Insurance Programs
Robert Rieder
Office of Counsel
Faculty Briefing, College of Science
September 14, 2007

2. What Insurance Does the University Have to Protect Its Employees?

3. General Liability Insurance
UAS Comprehensive General Liability Plan
A self-insurance program established and administered by UAS
All employees are covered while acting within the scope of their duties on behalf of UAH
Benefits:
Defense benefit – if employee sued, University will provide legal defense for employee, using UAS attorneys
Indemnity benefit – if suit results in adverse judgment against employee, University will pay judgment amount

4. General Liability Insurance
Occurrence-based” coverage. Benefits provided for any event occurring during policy period (even if claim not brought until after policy period)
Type of harm covered. Bodily injury, personal injury (defamation, violation of privacy, etc.), property damage

5. General Liability Insurance
Exclusions – claims arising out of :
Acts not within scope of employee’s duties
Intentional acts
Criminal or dishonest acts
False statement made with knowledge of falsity causing personal injury
Provision of profession health care services
Breach of contract

6. General Liability Insurance
Monetary limits. Covers up to $ 2 million on each loss.
Excess Coverage
Provided through commercial insurance policies
Applies over automobile and general liability, attaching at policies’ respective upper limits.

7. Directors and Officers/ Employment Practices Insurance
Separate UAS insurance policy
Protects employees against “wrongful act” claims:
Employment practices violations: Wrongful dismissal or termination; harassment, discrimination, and retaliation; libel, slander, defamation, and invasion of privacy; wrongful failure to employ, promote, grant tenure; negligent evaluation; wrongful discipline; violation of civil rights
Any breach of duty, neglect, error, misstatement, misleading statement, omission or act
Plagiarism
Infringement of copyright or trademark

8. Directors and Officers/ Employment Practices Insurance
Exclusions
Liability arising from gaining unlawful profit
Liability arising from criminal or deliberately fraudulent acts
Liability for bodily injury or property damage
Breach of contract liability
A “claims made” policy
Claims reporting duty.
Claim is any written demand for money or notice of any kind of charges seeking monetary or non-monetary relief
University obligated to notify insurer immediately upon receipt of notice of claim. Failure may result in non-coverage!

9. What Insurance Does the University Have for its Drivers?

10. University Vehicle Insurance
Liability coverage.
Applies to University and all permitted users of UAH vehicles
“Vehicles”
Includes those owned or “hired” (leased, rented, or borrowed) by UAH.
Also includes “non-owned” vehicle – employee-owned vehicle used for UAH purposes
Coverage is
Primary as to owned/hired vehicles
As to non-owned vehicles, it is secondary for employees. Means employee’s policy applied first to damage claim
Limits. $1,000,000 per accident, with additional excess coverage.

11. University Vehicle Insurance
Physical damage coverage.
For newer UAH vehicles
Primary coverage
Limits:
Comprehensive coverage. $250 deductible.
Collision coverage. $500 deductible.
For employee-owned vehicles used in UAH business, no coverage. Employee must rely on own policy.
Geographical area: U.S. Canada, Puerto Rico
Policy covers all UAS vehicles. Each campus pays pro rata premium share.

12. University Vehicle Insurance
Rental vehicles
Includes those rented by UAH in its name and those rented by UAH employee in his/her own name for use on University business
University liability coverage applies (primary)
University property damage coverage applies (primary), with deductibles
Certificate of insurance. Obtain from Business Services (6485) or Fleet Services (6482) when P.O. used to pay for rental or when personal credit card used.
Do not purchase liability insurance or collision damage waiver from rental company
“Zero deductible” coverage – available when certain credit cards are used to pay for the rental.
Call OOC/RM or Business Services for more details.
Caveat

13. University Vehicle Insurance
Approvals
In-state travel
Reimbursable travel on contract/grant – Approval via Travel Authorization form required
Use of employee–owned vehicle
Authorized by UAH policy
Reimbursement by mileage (State rates)
Out-of-state travel
Reimbursable by UAH. Approval via Travel Authorization form required
Use of employee-owned vehicle. Approval via Travel Authorization form required
Use of rental vehicle. Approval via Travel Authorization form required
Based on UAH Travel Guidelines (implementing Board Rule). Colleges and departments may have more restrictive policies.
Travel Authorization form – available on the UAH Finance and Accounting website

14. What Coverage is Provided for UAH Employees Traveling Overseas?

15. Foreign Travel Insurance
UAS “Foreign Package” policy
Protects University employees traveling outside U.S. (with some countries excepted)
Includes several coverages
Commercial General Liability. For claim against employee for bodily injury, property damage, and/or personal injury

16. Foreign Travel Insurance
Automobile insurance
Liability
Covered automobile – vehicle owned, leased, or borrowed and used in University business
Applies where employee has no primary coverage or liability exceeds primary insurance limits
Physical damage
For hired automobiles, provides reimbursement for damage to hired auto
$1,000 per auto limit, $10,000 policy term limit
Rental vehicles
Preferable for employee to use public transportation
If vehicle rented, purchase liability and physical damage insurance offered by rental company

17. Foreign Travel Insurance
Executive Assistance Services
Medical assistance.
Hospital admission, emergency prescription, etc.
Medically supervised evacuation and repatriation, but only at discretion of medical provider and only to nearest qualified hospital
Security assistance. Information about airports, modes of travel, countries.
Legal assistance. Identifying local attorneys, obtaining bail bonds (bond is at employee’s expense).
Travel and consular assistance. Embassy contacts, replacing lost passports, etc.
AD&D Coverage and Medical
For death, $10,000. Designated fraction for function loss
Medical expense. $50 deductible. Limit of $10,000 per person per term.
Worldwide Assistance Card (800# and plan name)

18. Conclusion Contact the Office of Counsel/Risk Management
If you have any insurance question
If you become aware of an incident that may give rise to a claim against you or another UAH employee
You receive court documents indicating suit has been filed against you