Risk Management Programs

General Liability Insurance. This coverage provides protection against claims brought by third parties for occurrences that arise out of University activities and result in bodily injury, property damage, or personal injury (libel, slander, etc.). Coverage extends to the University, individual members of the Board of Trustees, and directors, officers, appointees, employees, and volunteers, while acting in the course of, and within the scope of, their duties. Further information about liability insurance is available from the Risk Management Office.

Automobile Liability Insurance. The University carries liability insurance on covered automobiles. Authorized vehicle operators are protected against third-party claims for bodily injury or property damage while operating within the scope of their authority.

This insurance includes non-ownership liability coverage to protect the University when privately owned vehicles are driven on University business. This coverage also protects the personal liability of a person properly authorized to drive a private vehicle on University business. This coverage, however, is excess over that carried by the owner of the private vehicle — and responds only if and when that coverage is exhausted. No coverage is provided by the University for physical damage to private vehicles.

The protection afforded individuals by the University’s automobile liability is contingent upon use of vehicles in accordance with authority given by the University. Approval of the risk manager is required before any non-employee may drive a University vehicle. Details may be obtained from Risk Management.