umbrella icon   UC Insurance Programs & Policies

UC self-insures many of its primary exposures (liability, property, workers compensation, etc.) to an upper limit (the self-insured retention or SIR). To cover losses that exceed the self-insured retention, the University purchases excess commercial insurance policies to augment the self-insurance programs. The University also buys commercial insurance policies to cover a variety of specific exposures. For more information, go to Programs & Polices.

 

hard hat icon   Be Smart About Safety (BSAS)

Each year Office of the President Risk Services provides campuses with funding to prevent losses. The program is called Be Smart About Safety (BSAS). Departments can apply for BSAS funding to pay for projects that will eliminate risks. Funding is limited. For more information, go to BSAS.

 

social network icon   CampusConnexions

University insurance programs only cover University employees, premises and operations. They do not cover University students, Registered Student Organizations, Foundations, Alumni, and Support groups, tenant users, vendors and contractors, sports clubs, or 3rd party camps and clinics. The University established the CampusConnexions Program to make insurance solutions available to these groups. For more information, go to CampusConnexions.

 

business agreement icon   Certificates of Insurance

University agreements and contracts with vendors, contractors, and consultants typically require parties with whom the University is doing business to provide evidence to the University, in the form of a certificate of insurance, that they carry certain types of insurance at certain limits. The University collects certificates from the organizations and individuals with whom it does business and, when required, issues its own certificates. For more information, go to Certificates of Insurance.

 

finance icon   Deductibles

Coverage under UC insurance programs and policies for owned property is generally subject to a deductible. For more information, go to Deductibles.

 

clipboard icon   UC Insurance Requirements

University agreements and contracts require the vendors, contractors, and consultants with whom UC does business to provide evidence that they are insured before they can begin work. The types and limits of insurance correspond to the risk exposure that doing business with vendors creates for the University. For more information, go to Requirements.

 

paper icon   Waiver of UC Insurance Requirements

The University allows exceptions to be made to its insurance requirements if the exposure to loss or liability arising out of a provider’s goods or services is negligible. At UCSB, departments can request a waiver to the insurance requirements if they think this applies to the goods or services they are purchasing. For more information, go to Waivers.

 

house icon   Personal Property

The University does not provide insurance coverage that it does not own or that it is not contractually its care, control, and custody. For more information, go to Personal Property.

 

Programs & Policies

UC insures its operations with a combination of self-insurance programs and commercial insurance policies. In the mid-1980s, the University found the cost of insurance so high that it set up in-house, self-financed insurance programs for certain exposures. These self-insurance programs provide the backbone of the University's overall insurance portfolio. In general, coverage under the self-insurance programs is automatic.

The University also purchases excess commercial insurance policies that augment the self-insurance programs. In addition, it purchases various commercial insurance policies to cover some specific exposures. The following list, and the information available at the associated links, gives a broad overview of how the University insures its operations. This is not a complete list of all the University’s insurance programs and policies nor is the information intended to describe the programs and policies in any detail.

 

Self-Insurance Programs

The University insures all the vehicles it owns or leases. The University Automobile Insurance Program provides liability coverage for damage or injury caused to third party persons and property and for physical damage to University vehicles, including theft. Coverage is mandatory for all University vehicles whether operating, non-operating, currently in use, or in storage. The deductible for damage to a University vehicle is $500.

Use of University Vehicles

When employees drive University vehicles in the course and scope of their employment or other authorized personnel use University vehicles on official University business, they are covered by the University's Automobile Insurance Program, subject to the restrictions listed below. Business and Finance Bulletin BUS-46, Use of University Vehicles governs the use University vehicles.

Use Restrictions

  • University vehicles can be used for official University business only.
  • Authorized drivers are limited to faculty, staff, and student employees.
  • Consultants and non-employee student drivers must be approved to use a University vehicle by an appropriate campus official.
  • A driver who improperly uses a University vehicle may be held financially responsible for the consequences. Improper use of a University vehicle includes:
              •   Use for private purposes
              •   Use by a driver with a suspended license or no license at all
              •   Use by a driver under the influence of alcohol or narcotics
              •   Reckless driving
              •   Illegal activities or behavior

Insurance Coverage in an Accident

  • Injury or damage to others: University Auto Insurance
  • Damage to University vehicle: University Auto Insurance
  • Injury to employee driver (if in course and scope of employment): UC Worker’s Compensation Program
  • Injury to employee passenger (if in course and scope of employment): UC Worker’s Compensation Program
  • Injury to non-UC passenger: UC General Liability Insurance Program if injury is UC driver’s fault; if the fault of a third party, third party’s insurance
  • See the Fact Sheet: Insurance While Driving on UC Business for more information about where insurance coverage comes from when you are driving a vehicle to conduct University business.

Registering UC Vehicles

All University vehicles and department-owned or leased vehicles, whether they are based in the United States or in a foreign country, must be registered with the campus Risk Management Office. To add a vehicle to your department's automobile schedule in order to secure coverage under the University’s Automobile Insurance Program, complete the Auto Schedule Adjustment Form and submit it to the campus Risk Management, Environmental Health & Safety, 565 Mesa Rd., University of California, Santa Barbara, CA 93106-2090. For more information, call (805) 893-5837; email: ron.betancourt@ucsb.edu.

After a vehicle is registered, the UC Auto Insurance Program will provide coverage for damage or injury to third party property, vehicles or persons by University vehicles and for any physical damage it may suffer, including theft. Registration is mandatory and coverage is mandatory on all University vehicles.

Cost of Auto Insurance

Departments that own vehicles pay for insurance coverage. An annual premium is charged for any vehicle owned as of July 1. The charge appears by way of a journal entry on the department’s general ledger. This charge usually appears on the ledger later in the year, after UCSB Risk Management has given departments the opportunity to update their vehicle schedules. The Office of the President Risk Services determines the campus auto insurance premium based on an actuarial review of the campus experience over a period of five years (losses) and its exposure (number of owned autos). There are no charges for vehicles added during the fiscal year until the next fiscal year. Conversely, there are no refunds for vehicles that are disposed of during the fiscal year.

UC Vehicles in Foreign Countries

All University vehicles and department-owned or leased vehicles based in foreign countries must be registered with the campus Risk Management Office and insured. See the "Foreign Liability" section for more information.

Evidence of Financial Responsibility for UC Vehicles

Every UC vehicle has a copy of the registration card issued by the DMV in the glove box. Under Vehicle Code Section 16020(b)(4), this serves as sufficient evidence of both registration and financial responsibility (proof of insurance) because it demonstrates the vehicle is owned by a government entity as defined in Section 811.2 of the Government Code. The requirement to show proof of financial responsibility is fulfilled when a vehicle is shown to be owned by a government entity.

GOVERNMENT CODE SECTION 810-811.9
811.2. "Public entity" includes the state, the Regents of the University of California, the Trustees of the California State University and the California State University, a county, city, district, public authority, public agency, and any other political subdivision or public corporation in the State.

VEHICLE CODE SECTION 16020 - EVIDENCE OF FINANCIAL RESPONSIBILITY
(a) All drivers and all owners of a motor vehicle shall at all times be able to establish financial responsibility pursuant to Section 16021, and shall at all times carry in the vehicle evidence of the form of financial responsibility in effect for the vehicle.

(b) "Evidence of financial responsibility" means any of the following:

(4) A showing that the vehicle is owned or leased by, or under the direction of, the United States or a public entity, as defined in Section 811.2 of the Government Code.

Automobile Accident

Go to Automobile Accident if you are a 3rd party who has been involved in an accident with a University vehicle, or a driver of a University vehicle who has been involved in an automobile accident, and you must report and/or make a claim for injury or damages.

Automobile Claim Processing & Payment

When an employee is involved in an accident while driving a UC vehicle, they must immediately report the accident to SedgwickCMS, the University’s Third Party Administrator. See Claims & Complaints / Automobile Accident for information about claim processing and payment when University vehicles are involved in accidents.

Traffic and Parking Tickets

Tickets received while operating a UC vehicle are the responsibility of the driver, not the University.

Automobile Fact Sheets

Automobile Forms

The University maintains system-wide rental agreements with various automobile rental companies for use by University faculty and staff on business-related travel. Unless you are outside the continental United States or in a foreign country where the system-wide agreement is not in effect (see below) or want to rent a specialized vehicle that is not available from a company with whom the University has a system-wide agreement (see below), it is University policy that you rent vehicles from companies with whom the University has a system-wide agreement.

You can find a list of the auto rental companies with whom the University has agreements on Connexxus or by contacting the Travel Desk at UCSB Business & Financial Services. Be sure to review the agreement to ensure that the type of vehicle you want to rent is included in the agreement. The agreements do not generally cover trucks or any kind of specialized vehicle. You can only rent a vehicle under a UC agreement if you are using the automobile on University business.

Insuring Rental Vehicles

When renting a vehicle under the terms of a University agreement, liability insurance and comprehensive and collision insurance are included in the rate you pay for the rental auto. Because of this you must decline SLI and LDW/CDW coverage. If you purchase this coverage you are duplicating coverage already paid for when you rent an auto under the University auto rental agreement and you will not be reimbursed for the coverage.

In order to make sure you get the insurance when renting a vehicle from an auto rental company with whom the University has an agreement, you must identify yourself as a University employee and provide the rental car company with the University’s Corporate Contract Number (each company has its own number). The employee should make certain that the Corporate Contract Number is noted on the rental agreement in addition to the fact that the auto is being rented by a University employee.

Insuring Rental Vehicles Outside the United States

The University’s system-wide agreements with auto rental companies do not apply to auto rentals outside the continental United States or in foreign countries. Therefore you MUST purchase SLI (supplemental liability insurance) and LDW/CDW (loss damage waiver/collision damage waiver) coverage when you rent vehicles in Alaska, Hawaii, U.S. territories, and foreign countries. The cost of this insurance will be reimbursable.

Renting and Insuring Specialized Vehicles

The University’s system-wide agreements with auto rental companies do not apply to rentals of specialized vehicles like trucks with lift pads, box trucks, etc. Therefore you MUST purchase SLI (supplemental liability insurance) and LDW/CDW (loss damage waiver/collision damage waiver) coverage when you rent specialized vehicles that you cannot rent under a University agreement with a car rental company. The cost of this insurance will be reimbursable.

Insurance Coverage in an Accident

  • Injury or damage to others: rental auto policy
  • Damage to rental vehicle: rental auto policy
  • Injury to employee driver (if in course and scope of employment): UC Worker’s Compensation Program
  • Injury to employee passenger (if in course and scope of employment): UC Worker’s Compensation Program
  • Injury to non-UC passenger: rental auto policy if injury is UC driver’s fault; if the fault of a third party, third party’s insurance
  • See the Fact Sheet: Insurance While Driving on UC Business for more information about where your insurance coverage comes from when you are driving a vehicle to conduct University business.

Automobile Accident

Go to Automobile Accident if you are a University driver who has been involved in an automobile accident, and you must report and/or make a claim for injury or damages.

Traffic and Parking Tickets

Tickets received while operating a UC vehicle are the responsibility of the driver, not the University.

Automobile Fact Sheets

Automobile Forms

An employee’s personal auto liability insurance policy provides coverage when a personal vehicle is used to conduct University business. It is the employee’s responsibility to be adequately insured. University insurance programs do not provide coverage for damage or loss to an employee’s vehicle when it is used for business travel.

If an employee using a personal vehicle to conduct University business is involved in an accident in which the employee’s vehicle is damaged, Business and Finance Bulletin G-28 (Part VII.C, Automobile, Section 1a, Para 2d) allows departments to reimburse the employee $500 or the amount of the employee’s policy deductible, whichever is less, to pay for repairs. The reimbursement may be charged to the department or to another account as designated by the Chancellor.

Personal Vehicle Insurance

If you regularly use a personal vehicle on University business (defined as more than four trips per calendar month totaling at least 300 miles), your vehicle insurance must meet the University’s minimum liability coverage per Business and Finance Bulletin, G-28, C.1.d:

  • $50,000 for personal injury to or death of a person
  • $100,000 for injury to, or death of, two or more persons in one accident
  • $50,000 for property damage

Automobile Accident

Go to Automobile Accident if you are a University driver who has been involved in an automobile accident and you must report and/or make a claim for injury or damages.

Insurance Coverage in an Accident

  • Injury or damage to others: your personal policy
  • Damage to personal vehicle: your personal policy
  • Injury to employee driver (if in course and scope of employment): UC Worker’s Compensation Program
  • Injury to employee passenger (if in course and scope of employment): UC Worker’s Compensation Program
  • Injury to non-UC passenger: your personal policy if accident is your fault; if the fault of a third party, third party’s insurance
  • See the Fact Sheet: Insurance While Driving on UC Business for more information about where your insurance coverage comes from when you are driving a vehicle to conduct University business.

Traffic and Parking Tickets

Tickets received while operating a UC vehicle are the responsibility of the driver, not the University.

Automobile Fact Sheets

Automobile Forms

U.S. citizens driving in Mexico are subject to Mexican laws. The laws in Mexico that govern motor vehicle operations are different than those in the States. Even a minor vehicle accident in Mexico can have serious consequences if you do not meet Mexican insurance requirements. See FS: Driving UC Vehicles in Mexico for additional information.

Mexican Auto Insurance is Required

American auto insurance policies are not recognized in Mexico. If you drive in Mexico, Mexican law requires you to have Mexican auto liability insurance. Mexican auto liability insurance covers injuries or property damage to third parties. To comply with the law, employees who take UCSB vehicles to Mexico must purchase Mexican auto liability insurance. Employees are also required by UCSB Risk Management to purchase Mexican auto physical damage insurance. Auto physical damage insurance will cover the costs to repair a UCSB vehicle that has been damaged in an accident while being driven in Mexico.

Application for Mexican Auto Insurance

Department must submit Request for Mexican Automobile Insurance and Authorization to Drive UC Vehicle in Mexico to Risk Management:

  1. Department Control Point must sign the Request;
  2. All travelers must be affiliated with the University; no volunteers;
  3. Declared value of vehicle must be based on Kelley Blue Book; provide printout.

Completed Request and Authorization are approved and signed by campus Risk Management. Risk Management e-mails completed forms to MacAfee & Edwards Inc. MacAfee & Edwards Inc. issues Mexican Auto Insurance Policy and emails Policy and invoice to Risk Management. Risk Management reviews Policy and invoice and emails the Policy, the signed and approved Request and Authorization, and the MacAffee & Edwards invoice to the department contact. Department must pay MacAfee & Edwards invoice directly.

IMPORTANT: The Mexican Auto Insurance Policy and the Authorization to Drive UC Vehicle in Mexico letter must be carried in the vehicle while traveling in Mexico.

Insurance Coverage in the Event of an Accident

  • Injury or damage to others: Mexican Auto Insurance policy
  • Damage to UC vehicle: Mexican Auto Insurance policy
  • Injury to employee driver (if in course and scope of employment): UC Travel Insurance Program, UC Worker’s Compensation Program
  • Injury to employee passenger (if in course and scope of employment): UC Travel Insurance Program, UC Worker’s Compensation Program
  • Injury to non-UC passenger: Mexican Auto Insurance policy if injury is UC driver’s fault; if the fault of a third party, third party’s insurance
  • See the Fact Sheet: Insurance While Driving on UC Business for more information about where insurance coverage comes from when you are driving a vehicle to conduct University business.

Register for Travel Insurance and/or Travel Alerts

Go to Travel Insurance for more information if you are an employee or student.

Automobile Accident

Go to Automobile Accident if you are a University driver who has been involved in an automobile accident, and you must report and/or make a claim for injury or damages.

Traffic and Parking Tickets

Tickets received while operating a UC vehicle are the responsibility of the driver, not the University.

Automobile Fact Sheets

Automobile Forms

The University’s Employment Practices Liability Self-Insurance Program provides coverage when University employees, in the course and scope of their employment, are alleged to have engaged in wrongful employment-related acts such as harassment, discrimination, retaliation, and wrongful termination. The Employment Practices Self-Insurance Program is paid for by UC campuses and medical centers. The Office of the President Risk Services manages the funding and administration of the Program through the use of a third party claims administrator. For more information about this Program, go to Employment Practices Liability Insurance.

The University's General Liability Self Insurance Program covers the University and its employees for claims that arise out of University operations and premises. The program provides coverage when the negligent acts or omissions of the University are alleged to have caused bodily injury or property damage to third parties.

The General Liability Self-Insurance Program does not cover losses or damages that are not caused by the University, breach of contract claims, hazardous waste or pollution spills, land use disputes, losses arising from the use of aircraft or watercraft which exceed 40 feet in length, or any illnesses or injuries to employees that are covered by the University’s Workers’ Compensation Self-Insurance Program.

Program Administration

The General Liability Self-Insurance Program is paid for by UC campuses and medical centers. The Office of the President Risk Services manages the funding and administration of the Program through the use of a third party claims administrator. When a claim is made that the University’s negligence has caused bodily injury or property damage to a third party, the third party claims administrator will investigate the allegations to determine if the injury or damage was indeed the University’s fault. The Program pays the costs of investigation, defense and settlement of these kinds of claims and lawsuits. For more information about this Program, go to General Liability Insurance.

Filing a Claim or Serving a Lawsuit

If you want to file a claim or serve a lawsuit against the University, go to 3rd Party Claims & Complaints.

General Liability Forms

The University’s Professional Medical & Hospital Liability (PL) Self-Insurance Program provides coverage for medical and dental malpractice claims and lawsuits that occur at University of California healthcare facilities, including student health, counseling, and psychological service centers and veterinary services. It also covers University healthcare practitioners, including university physicians, dentists, residents, fellows, nurses and other healthcare employees, for acts or omissions arising out of the course and scope of their University employment.

Program Administration

The Professional Medical Hospital Self-Insurance Program is paid for by UC campuses and medical centers. The Office of the President Risk Services manages the funding and administration of the Program through the use of a third party claims administrator. When a claim is made against the University, the third party claims administrator investigates the allegations to determine if the University was responsible. The Program pays the costs of investigation, defense and settlement of these kinds of claims and lawsuits. For more information about this Program, go to PL Insurance Program.

Filing a Claim or Complaint

If you want to file a claim or serve a lawsuit against the University, go to 3rd Party Claims & Complaints.

Professional Medical Liability Forms

In general, the University's Property Self-Insurance Program automatically covers University-owned property at no cost to departments or employees. It also covers property in the University’s care, custody, and control as long as there is a written agreement signed by a University employee with signature authority. Coverage is worldwide and property need not be on University grounds to be insured. Lost or damaged goods that are covered under the Program are replaced or repaired with property of like kind and quality.

Some property exposures that are not covered by the Self-Insurance Program are covered by commercial policies, e.g. Aviation/Aircraft, Boiler & Machinery, Builder’s Risk, Cyber Risk, Fine Arts, Marine Cargo, Transit Risk, etc.

Coverage

Perils that are covered include theft, vandalism, fire, water, explosions, lightning, windstorms, hail, transportation, building collapse, and other sudden and accidental damage. Some perils that are not covered include earthquake, changes in temperature or humidity, wear, tear, and deterioration, mysterious disappearance, delay, loss of tme, war and terrorism.

Deductibles

The deductible is $1,000 for all perils with the following exceptions:

  • $5,000 per occurrence for water damage (or 10% if damage exceeds $50,000)
  • $5,000 per occurrence for fire
  • $1,000 per occurrence for forced-entry theft
  • $5,000 per occurrence for non-forced entry theft
  • $250 for losses occurring during transit. If the carrier pays all or a portion of the claim, the self-insurance program will pay the remaining amount of claim with no deductible applied.

Program Administration

The Property Self-Insurance Program is paid for by UC campuses and medical centers. The Office of the President Risk Services manages the funding and administration of the Program through the use of a third party claims administrator. When a claim is made, the third party claims administrator investigates the loss to determine whether it is covered, how it is covered, and how much the department is to be paid. For more information about this Program, go to Property Insurance.

Reporting a Loss and Filing a Claim

If you or your department have suffered property loss or damage and want to report the loss and file a claim, go to UC Property Loss Claim.

UC Property Claim Processing & Payment

When a department suffers loss or damage to University property or property in the University’s care, custody, and control, see UC Property Loss Claim for information about how property claims are processed and paid by the UC Property Insurance Program.

Property Forms

Workers' Compensation provides coverage for employees work-related injuries or illnesses. See the Workers' Compensation Program for more information.

 

Commercial Policies

The University’s Aviation Commercial General Liability insurance policy provides coverage for loss arising from aviation operations, including use and/or ownership of airport and helipad premises.

Non-Owned Aircraft Liability

The University’s Non-owned Aircraft Liability insurance policy provides coverage for loss arising from the use of non-owned aircraft (chartered, rented aircraft), employee owned aircraft flown on UC business and non-owned unmanned aerial systems (drones).

Owned Unmanned Aerial Systems (UAS) Liability

The University’s Owned UAS Liability insurance policy provides coverage for liability arising out of the use of drones owned by the Regents. To be covered the UAS must meet, at a minimum, the following criteria: (1) 55 lbs. or less in weight, (2) operate within line of sight of operator, (3) operate below 400 ft., (4) cannot fly with 5 miles of an airport without the permission of airport authorities, and (5) must be operated in accordance with Federal laws and regulations and on behalf of and sanctioned by the Board of Regents.

Employees and students who operate University UASs for research and educational activities must register University drones with the FAA and the UC Center of Excellence on Unmanned Aircraft System Safety. Go to UC Unmanned Aerial Systems for information on how to register University-owned UASs.

Go to Unmanned Aerial Systems for information about the Approval Process for UCSB UAS Flight Operations.

Aviation/Aircraft/UAS Forms

Boiler & Machinery covers equipment breakdown, loss or damage to covered boiler and machinery equipment.

Builder’s Risk covers all risks of direct physical loss or damage at UC construction sites.

Cyber & Privacy covers damages and claim expenses that UC is obligated to pay because of an actual or alleged privacy breach, confidentiality breach, security breach, or online media activity.

Crime covers loss caused by employee theft, forgery, funds transfer fraud, and other crimes.

The UC Fine Arts Insurance policy provides coverage for risks of physical loss or damage, including earthquake and flood, to fine art (1) owned by the University, (2) in which the University has an insurable interest, (3) that is in the care, custody or control of the University, (5) for which the University has received instructions or agreed to insure under written contract prior to a loss, or (6) for which the University is legally liable. Coverage extends to fine art in transit and at any location worldwide.
* (Some countries may be excluded; see list below)

Securing Coverage

Coverage is not automatic. To have coverage under the Fine Arts Insurance policy, a department must request it. To be eligible for Fine Arts insurance coverage, the art must be owned by the University or on loan to the University with an agreement in place that makes the University responsible for insuring the loaned fine art. Undeclared fine arts are covered under the Fine Arts and Library Collections Policy. This policy has more exclusions and higher deductibles.

Temporary Exhibits and Fine Arts Not Owned by UCSB

Any department receiving fine art on loan must, in order to secure coverage under the Fine Arts Insurance policy, submit an Application for Fine Arts Insurance and a copy of the Art Exhibition & Loan Agreement to UCSB Risk Management prior to receiving the fine art from the lender. If an exhibit of loaned artwork extends beyond six months then the responsible department must complete and submit a Permanent Collections Schedule Change Form to add the art to the Permanent Collections Schedule and insure it as part of the campus’ Permanent Collections.

UCSB-Owned Permanent Collections

The Risk Management office maintains a “Fine Arts Permanent Collections Schedule”. The Schedule keeps track of all owned fine art (and non-owned fine art that the campus is, or will be, in possession of for more than six months) that is covered under the Fine Arts Insurance policy. Risk Management distributes this list to art-owning departments every six months so that they may update it by listing new items for which coverage is required, or to delete items for which coverage is no longer necessary. Departments must use the Permanent Collections Schedule Change Form to add art to the campus Permanent Collections Schedule so that artwork in their possession is insured under the University’s Fine Arts policy.

Art Exhibition & Loan Agreement

When a UCSB department borrows or lends fine art, it should enter into a written agreement with the other party. Examples of such agreements are the Art Exhibition & Loan Agreement - UC as Borrower and the Art Exhibition & Loan Agreement - UC as Lender. An agreement documents the terms and conditions of the loan as well as the value of the art and who is responsible for insuring it. Submit a copy of the completed and signed Agreement to the Risk Management office prior to borrowing or loaning fine art so that it can be scheduled and insured. If an exhibit extends beyond six months then the fine art must be scheduled as part of the campus’ Permanent Collections (as described above).

Fine Arts Premium

The cost of the Fine Arts Insurance policy is included in the premium that the campus pays for UC’s property insurance premium. There is no additional charge to departments for coverage under this program.

Fine Arts Policy Deductible

$1,000 per occurrence
$10,000 earthquake deductible
$10,000 outdoor sculptures
(Deductibles do not apply to items on loan to the University)

Making a Claim for Loss or Damage

If your department has suffered a property loss covered by the Fine Arts Insurance policy and wants to file a claim, use the Huntington T. Block Fine Arts Claim Report.

In All Cases Involving Loss or Damage
  • Report to campus Risk Management immediately
  • Advise owner of loss
  • Report to Huntington T. Block Director of Claims
Missing or Stolen Art
  • Report to Police Department immediately
  • Continue search for piece
Transit Damage
  • Save all transit documentation and packing as evidence
  • Notify shipper of damage immediately, follow-up with a letter putting them on notice of loss
  • If package is damaged when it arrives, take photos of the damaged packing
  • Take additional photos as you unpack the contents to create complete photo record
Other Physical Damage
  • Collect and retain all damaged pieces
  • Determine cause of loss and whether another party is responsible for damage
  • Determine value and if possible, ability to restore piece

Exclusions

This policy does not insure against loss or damage caused by:

  • Wear and tear, gradual deterioration, moths, vermin, inherent vice, or loss or damage sustained due to or resulting from any repairing, restoration, or retouching process. However, this exclusion shall not apply where the Insurers and/or their representatives have directed repairing, restoration, retouching, or other process following a loss.
  • War Risks (various), except with respect to Insured Property in overseas transit.
  • Nuclear reaction or nuclear radiation or radioactive contamination, all whether controlled or uncontrolled and whether such loss be direct or indirect, proximate or remote, or be in whole or in part caused by, contributed to, or aggravated by the perils insured against in this policy; however, subject to the foregoing and all provisions of this policy, direct loss by fire resulting from nuclear reaction or nuclear radiation or radiation or radioactive contamination is insured against by this policy.
  • Terrorism.

No Coverage in Some Countries

Countries in which coverage does not apply: countries and/or places known or formerly known as Afghanistan, Albania, Angola, Armenia, Azerbaijan, Belarus, Bosnia-Herzegovina, Bulgaria, Burma (Myanmar), Chechnya, Croatia, Cuba, Georgia, Iran, Iraq, Kampuchea, Kazakhstan, Kosovo, Kyrgyzstan, Laos, Lebanon, Liberia, Libya, Macedonia, Montenegro, North Korea, Outer Mongolia, Pakistan, Rwanda, Serbia, Slovenia, Sudan, Syria, Tajikistan, Tibet, Turkmenistan, Uzbekistan, West Bank Territory, Yugoslavia, Zaire, Zimbabwe, or any other country where trade relations are unlawful as determined by the Government of the United States of America or it's agencies.

Fine Arts Forms

Library & Fine Arts (Unscheduled) covers unscheduled fine arts and library collections.

Foreign Auto Liability

The University requires departments that own and/or operate vehicles in foreign countries to purchase coverage under the University’s Foreign Automobile Liability Insurance policy whether the vehicle is operating, non-operating, currently in use or in storage. This coverage is not optional. The University’s Foreign Auto Liability policy provides coverage for damage or injury caused to third parties. It is excess of the amount of local auto liability insurance.

To register a vehicle for Foreign Auto Liability Insurance, complete an Auto Schedule Adjustment Form and submit it to the campus Risk Management office.

In any country where a compulsory automobile liability insurance law is in force, Departments are required to purchase compulsory insurance at the required legal limits. The coverage provided by the University’s Foreign Automobile Liability policy is excess of the limits required locally.

In any country where there is no compulsory automobile liability insurance law in force, Departments must purchase local insurance with bodily injury limits of $10,000 each person/$20,000 each accident or occurrence and property damage limits of $10,000 each accident or occurrence. In any country where the compulsory insurance requirement only applies to bodily injury liability, the Department must purchase property damage liability coverage at a limit of $10,000 each accident or occurrence. In both these cases the Foreign Auto Liability insurance is excess of the amount of local insurance.

For additional information, go to Foreign Liability Insurance. For information about travel to Mexico in UC vehicles go to the "Automobile" section above.

Foreign General Liability

Office of the President Risk Services has arranged with a global insurance company for foreign liability insurance that covers University operations in foreign countries as necessary. Foreign liability insurance protects the University, helps the University comply with local insurance laws, reduces department costs and the need for University faculty and staff to spend their own time and resources obtaining it, and allows for coordinated claims handling.

Foreign general liability insurance coverage may be required if you are signing a lease for office or research space, purchasing office or research space, entering into any contracts or agreements with host country institutions, organizations, or government agencies, or running any long term (over 90 days) or on-going projects.

If you are engaged in any of these activities in a foreign country, please notify the campus Risk Management office so we can coordinate the issuance of all required general liability policies with our global insurance company.

For additional information, go to Foreign Liability Insurance.

Foreign Liability Forms

The Marine Cargo policy provides hull and machinery coverage for small watercraft, boat trailers, engines, and oars that are on UCSB’s Vessel Schedule. The campus Risk Management office maintains the campus Vessel Schedule.

This insurance is not automatic. To have coverage boats, trailers, engines, and oars must be on the Vessel Schedule. If you want to add items to, or delete them from, your department’s vessel schedule, complete a Yacht Schedule Change Form and submit it to the Risk Management office. Departments are not charged a premium for coverage under this policy (exception: boats in excess of 40 feet). Deductibles are based on the value of the boat; one percent of the insured value subject to a $250 minimum.

Boats that are borrowed by a UCSB department are not insured under this policy unless the Risk Management office is notified and temporarily adds it to the campus’ Vessel Schedule after confirming coverage with the underwriter. There may be no coverage for a boat when it is loaned to an outside party. Whether you are borrowing a boat or lending one (1) contact the Risk Management office for assistance and (2) be aware that in either case it will be necessary to have a written agreement with the other party.

The Marine Cargo policy also covers the University’s legal liability for losses arising out of the operation of vessels that exceed 40’ in length (legal liability for vessels less than 40’ is covered under the University’s General Liability Self-Insurance Program). The Marine Cargo policy covers the University’s legal liability for loss to crew members and 3rd parties arising from the use of chartered vessels. For more information on boat charters, go to Boat Charters.

Cargo Insurance

The Marine Cargo policy provides coverage for worldwide foreign shipment of scientific equipment, research materials, household goods/personal effects and other similar items. To obtain foreign transit risk insurance you must complete an Application for Foreign Transit Insurance and submit it to the campus Risk Management office. For more information on foreign shipments, transit insurance, and loss reporting, see the "Transit Risk" section below.

Vessel Pollution

The Marine Cargo policy provides coverage for pollution response and/or damages arising out of the University’s ownership and operation of scheduled vessels.

Reporting a Loss and Filing a Claim

If you or your department have suffered property loss or damage involving hull and machinery or transit damage covered under the University’s Marine Cargo policy and want to report the loss and file a claim, go to UC Property Loss Claim.

Marine Cargo Forms

Domestic Shipments

  • When University property is shipped via any commercial transit carrier within the United States, its possessions and territories, and/or Canada, it is automatically insured, at no cost, under the University’s Property Self-Insurance Program.
  • Property shipped by any governmental postal service, including the U.S. Postal Service, is not covered.
  • No notice is required for shipments of property with a value less than $7,500,000.
  • Shipments of property with a value in excess of $7,500,000 must be reported to the Risk Management office a minimum of one week in advance of shipment so that UC’s insurance broker can arrange for adequate coverage.
  • Departments are not charged for transit insurance.

Foreign Shipments

  • The UC Marine Cargo Insurance policy covers property shipped via any commercial transit carrier to or from anywhere outside the United States, its territories and possessions, and/or Canada. Coverage under this policy is not automatic. To obtain coverage under the UC Marine Cargo insurance policy, it is necessary to complete an Application for Foreign Insurance and submit it to the campus Risk Management office. For more information on the Marine Cargo policy, see the "Marine Cargo" section above.
  • If a department purchases equipment from a vendor who is located outside the United States, its territories and possessions, and/or Canada, the equipment vendor may pay for and provide transit insurance for the shipment of the equipment. Transit insurance is critical to the University’s financial interest when its property is being shipped so it is important that Departments work closely with Procurement Services to make certain all shipments are insured.
  • In the event that the vendor does not pay for or provide transit insurance, then the University’s Commercial Marine Cargo Insurance will provide the transit insurance coverage. If a department wants to insure a shipment under the Marine Cargo Insurance policy, the UCSB Risk Management office requires the department to report the shipment on an Application for Foreign Transit Insurance. The completed Application must be submitted to the Risk Management office with an itemized list of the items being shipped and their value attached to the Application.
  • Coverage under the University’s Commercial Marine Cargo Insurance policy may not be available for shipments to and from countries that are subject to trade or economic embargoes. Call the Risk Management office if you have coverage questions.
  • Shipments of property with a value in excess of $5,000,000 must be reported to the Risk Management office three weeks in advance of shipment so that UC’s insurance broker can arrange for adequate coverage.
  • The Risk Management office submits information about our campus’ foreign transit shipments to the Marine Cargo Insurance underwriter on a quarterly basis. The underwriter uses the information to determine, on an annual basis, (1) the cost of coverage for each campus and (2) that the amount of coverage the University carries is sufficient.

Reporting a Loss and Filing a Claim

If you or your department have suffered a transit-related property loss or damage and want to report the loss and file a claim, go to UC Property Loss Claim.

Transit Risk Forms

Travel (Business) provides accident/medical coverage for UC faculty and staff engaged in work-related travel. See "UC Business Travel Insurance" under Travel Insurance for more information.

Travel (Student) provides accident/medical coverage for UC students engaged in UC-sponsored travel. See "UC Student Travel Insurance" under Travel Insurance for more information.

Sexual Misconduct Liability covers UC legal liability to third parties for acts of sexual misconduct.

 

Who & What is Covered

  • UC operations
  • UC employees acting within the course and scope of their UC employment
  • UC-owned property and property in its care, control, and custody
  • UC-owned and leased automobiles

Who & What is Not Covered

Everyone and everything else, including:

  • Employees not in the course and scope of employment
  • Students
  • Volunteers (volunteers whose status has been approved by the Worker’s Comp Manager are eligible for coverage under the Workers’ Compensation Program for work related injuries or illnesses)
  • Alumni
  • Outside parties that use UC facilities
  • Vendors
  • Non-owned vehicles
  • Non-owned property (if not in the care, custody, and control of the University)

 

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Be Smart About Safety (BSAS)

Each year, under the Be Smart About Safety Program (BSAS), the Office of the President Risk Services uses a portion of its total budget allocation to fund loss prevention and loss control projects at UC campuses and medical centers. The intent is to fund projects that reduce the frequency and/or severity of potential losses in the workers' compensation, general liability, employment, automobile, and property insurance programs.

BSAS Program funded projects include the installation of seismic gas line shut-off valves, sidewalk repair, the campus defensive driving program, the purchase of safety equipment, ergonomic equipment, smoke/CO2 detectors, and various other safety initiatives.

If you are aware of general liability, automobile liability, property, or workers’ compensation risk exposures that might qualify, please apply for a BSAS grant by contacting Injury Prevention Program Manager John Seaman at john.seaman@ucsb.edu. Please include the following information:

  • Nature of risk
  • Any losses that have already resulted from the risk
  • Proposed solution
  • Cost Estimate

Risk Management evaluates BSAS applications from both a risk management and cost perspective. Funding is limited, so not all applications will be granted. In some cases, Risk Management may only be able to fund part of a loss prevention project. Applications are subject to the approval of Risk Management, the Office of the Vice Chancellor of Administrative Services and the Office of the President-Risk Services.

Applications are reviewed from July through January. Applications for the Loss Prevention and Loss Control projects are due on May 1st prior to the next fiscal year. If the application is approved, funding usually arrives in June.

 

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CampusConnexions Insurance Program

University insurance programs and policies only cover University employees, premises and operations. The University established the CampusConnexions Insurance Program to make insurance solutions available to University affiliates and business partners so that they have a place where they can go to purchase reasonably priced insurance that meets the University’s insurance requirements and that covers their liability exposures when they conduct activities on University premises.

 

The University requires Employee Clubs to have liability insurance when they use University facilities. The University’s general liability insurance only covers employees while they are acting in the course and scope of their University employment. Employee Club Liability Insurance, available from the CampusConnexions Program, meets the University requirement for employee clubs who conduct activities on University premises. For more information about this coverage and how to obtain it, go to Employee Club Liability Insurance.

When faculty and staff use University facilities to conduct personal business, their activities create liability exposures that the University requires them to insure. The University’s general liability insurance only covers faculty and staff while they are acting in the course and scope of their University employment. Faculty and Staff Insurance, available from the CampusConnexions Program, will provide coverage for University faculty and staff when they conduct non-job related activities in University facilities.

Tenant User Event Liability Insurance

If a faculty or staff person is using University facilities to conduct personal business, i.e. a wedding, a slide show in a classroom, a conference, etc., the University will require that the facility user carry event liability insurance. A convenient source for this coverage is CampusConnexions Tenant User Event Liability Program (TULIP). For more information about this coverage and how to obtain it, go to Faculty/Staff.

Event Cancellation Insurance

If circumstances beyond an event planner’s control result in an event’s cancellation, postponement, curtailment, reduced attendance, etc., the financial consequences can be significant. Event Cancellation Insurance offers protection against loss of revenue resulting from a variety of perils. For more information about this coverage and how to obtain it, go to Faculty/Staff.

Renter's Insurance

The University is not responsible for replacing personal property that is damaged or lost on University premises. Renter’s Insurance covers personal property that is stolen, damaged or destroyed. In addition, the policy provides some liability protection for injury or damage caused to third parties. For more information about this coverage and how to obtain it, go to Faculty/Staff.

When Foundation, Alumni, Support Groups, Emeriti, and Retiree groups use University facilities, their activities create liability exposures that the University requires them to insure. The University’s general liability insurance does not cover the activities of Foundation, Alumni, Support Groups, Emeriti, and Retiree groups. FAS/Emeriti/Retiree Group Insurance, available from the CampusConnexions Program, will cover the activities of Foundation, Alumni, Support Groups, Emeriti, and Retiree groups who use University facilities.

FAS Event Liability Insurance

The CampusConnexions Insurance Program provides Event Liability Insurance for events sponsored by qualified UC-affiliated foundations, alumni associations, support groups and emeriti and retiree groups that covers liabilities arising from their activities. For more information about this coverage and how to obtain it, go to FAS/Emeriti/Retiree Insurance.

Tenant User Event Liability Insurance

If a FAS/Emeriti/Retiree group is involved in an on-campus activity, sponsored by a third party entity, the University will require the third party entity to carry event liability insurance. Tenant User Event Liability Insurance is available from the CampusConnexions Insurance Program. For more information about this coverage and how to obtain it, go to FAS/Emeriti/Retiree Insurance.

Event Cancellation Insurance

If circumstances beyond an event planner’s control result in an event’s cancellation, postponement, curtailment, reduced attendance, etc., the financial consequences can be significant. Event Cancellation Insurance offers protection against loss of revenue resulting from a variety of perils. For more information about this coverage and how to obtain it, go to FAS/Emeriti/Retiree Insurance.

Recognized Sports Club Event Liability insurance, available from the CampusConnexions Insurance Program, covers most Recognized Sports Clubs events on and off campus. The University pays for events that are covered by the policy but Club Sports teams are responsible for registering their event and obtaining the coverage. For more information about this coverage and how to obtain it, go to Recognized Sports Club.

Registered Student Organizations (RSO) Event Liability Insurance, available from the CampusConnexions Program, provides coverage for on and off-campus Registered Student Organization events. The University generally pays for insurance for on-campus events; insurance for off-campus events must be paid by the RSO. When RSOs insure their activities through this program the RSO officers and members protect themselves from personal liability for their organization’s activities. RSOs are responsible for registering their events and obtaining the coverage; it is not automatic. For more information about this coverage, how much it costs and how to obtain it, go to Registered Student Orgs.

The CampusConnexions Insurance Program provides insurance solutions for students, including Tenant User Event Liability, Renter’s Insurance and Tuition Refund Insurance.

Tuition Refund Insurance

Tuition Refund Insurance, available from the CampusConnexions Insurance Program, can refund some of the costs of attendance, up to the policy limits, if a student is unable to complete classes due to a covered medical reason. Covered medical reasons can include illness, accident, injury, or a mental health issue. Covered expenses include tuition, academic fees, room and board, books, and other eligible expenses. For more information about this coverage, how much it costs, and how to obtain it, go to Tuition Refund Insurance.

Renter's Insurance

Renter’s Insurance, available from the CampusConnexions Insurance Program, provides coverage for loss or damage to personal property and liability coverage for injury or damage that the policyholder causes to third parties. If you own computers/laptops/tablets, smartphones, game consoles, furniture, books, bicycles, surfboards, guitars, clothing etc. you may want to consider purchasing Renter’s Insurance. If your personal property is stolen, damaged, lost, or destroyed, the University is not responsible for replacing it. Renter’s Insurance provides coverage for loss or damage to personal property, in addition to some liability protection for injury or damage caused to third parties. For more information about coverage under this insurance, how much it costs, and how to obtain it, go to Renters Insurance.

Tenant User Event Liability Insurance

If a student group uses outside caterers, vendors, and performers at an event, the University requires them to submit evidence of insurance before they are allowed to work on campus. A student group service provider can obtain CampusConnexions Vendor/Exhibitor/Performer Liability Insurance under the Tenant User Event Liability Program. For more information about this coverage, how much it costs, and how to obtain it, go to Tenant User Event Liability.

Event Cancellation Insurance

If circumstances beyond an event planner’s control result in an event’s cancellation, postponement, curtailment, reduced attendance, etc., the financial consequences can be significant. Event Cancellation Insurance offers protection against loss of revenue resulting from a variety of perils. For more information about this coverage, how much it costs, and how to obtain it, go to Tenant User Event Liability Insurance.

When individuals and outside organizations use University facilities the University will require them to have liability insurance to cover the potential liabilities that their activities create. Non-UC organizations and individuals can obtain Tenant User’s Event Liability Insurance that will meet the University’s liability insurance requirements from the CampusConnexions Insurance Program.

Tenant User Event Liability Program

If you are hosting an event on University premises, the University requires you and your service providers to meet the University’s insurance requirements. If you do not have insurance or do not have insurance that meets the University’s requirements, it is possible to obtain this coverage from the CampusConnexions Tenant User Event Liability Program (TULIP). For more information about this coverage and how to obtain it, go to Tenant User Event Liability Insurance.

Event Vendor/Exhibitor Liability

If you are not hosting an event that is occurring on University premises, but are an exhibitor or a performer at an on-campus event, you will be required to meet the University’s insurance requirements. If you are a vendor, exhibitor, or performer at an on-campus event and do not have insurance or do not have insurance that meets the University’s requirements, it is possible to obtain Event Vendor/Exhibitor/Perform coverage through the CampusConnexions Program. For more information about this coverage and how to obtain it, go to Tenant User Event Liability Insurance.

When outside organizations or individuals run camps or clinics on University property or in UC facilities, the University will require them to carry liability insurance. Outside organizations and individuals can obtain Camps & Clinics Insurance that will meet the University’s liability insurance requirements from the CampusConnexions Program. For more information about this coverage and how to obtain it, go to 3rd Party Camps/Clinics.

Vendor/Contractor Insurance, available from the CampusConnexions Insurance Program, provides general liability insurance coverage for vendors and contractors who are working under contract for the University of California and do not carry insurance that meets the University’s insurance requirements.

Vendor/Contractor Liability Insurance will provide protection for vendors and contractors against claims of bodily injury and property damage liability for work performed on behalf of the University of California, including payment of costs to defend against such claims. In addition miscellaneous errors and omissions coverage under the policy provides protection against professional errors that result in financial harm to a third party. The cost for approved vendors is $750 for 12 months of coverage on all University of California projects. Go to Vendor Contractor Insurance Program for more information about this coverage.

Certificates of Insurance

University agreements and contracts generally require the parties to the contract to carry insurance and to provide each other with evidence of the types and limits of insurance coverage they carry. Contractors and vendors with whom the University does business must submit certificates of insurance to the University that show that they meet the University’s insurance requirements. They obtain certificates of insurance from their insurance brokers and agents. The University issues its own certificates of self-insurance, when required by written agreement, to demonstrate its compliance with contract insurance requirements.

What is a Certificate of Insurance

A Certificate of Insurance provides evidence that the contractor, consultant, or facility user with whom the University is doing business is covered by an insurance policy or policies that meet the requirements of the contract. The certificate provides evidence that the insured has the financial wherewithal to satisfy its obligations (1) under the indemnification provisions of the contract, (2) to pay for loss of or damage to property, (3) to pay judgments or settlements, and (4) to protect The Regents if costs are incurred as a result of the insured's negligent acts or omissions. One of the most common certificates is the ACORD Certificate of Insurance form. See FS: Understanding the Acord Certificate of Insurance.

Why are Certificates Important

A certificate of insurance is proof of insurance coverage. Insurance coverage demonstrates that a contractor, consultant, vendor, or facility user can meet their financial responsibilities when their negligent acts or omissions result in claims, losses, liabilities, damages, or injuries. Without a certificate of insurance, the University does not know if a business partner has the financial wherewithal to take responsibility for liabilities and losses that it causes. If a business partner has no insurance, the University may have to pay the losses or liabilities caused by its business partner. Put another way, the University obtains certificates of insurance from its business partners to protect itself from the liability arising out of their activities.

UC Insurance Program for Vendors & Facility Users

The University of California CampusConnexions Program provides liability insurance coverage for individuals and groups that want to use University facilities and vendors and contractors who are working under contract for the University of California who do not have insurance and cannot meet the University’s insurance requirements. Facility users, see "Tenant User Insurance" under CampusConnexions for more information. Vendors and contractors, see "Vendor/Contractor Insurance" under CampusConnexions for more information.

What is an Additional Insured?

The University requires that it be named as an "additional insured" on the certificates of insurance it obtains from its business partners. As an additional insured the University has coverage under the business partner’s insurance policy for claims and suits alleging that a loss or liability was caused by the business partner. The additional insured coverage provides that the University will have legal representation for a claim or lawsuit in which the University is named, but is not negligent. Without this coverage, the University would have to provide its own defense. This is important as it is not unusual for litigation defense costs to exceed the cost of settlements and judgments.

How to Review a Certificate of Insurance

A certificate of insurance must meet certain minimum requirements (see Understanding the Acord Certificate of Insurance for help with the following):

  1. Is the name and address of the Insured, the legal name and address of the business partner?
  2. Does the business partner carry the types of insurance required by the contract (usually general liability, auto liability and workers compensation insurance)?
  3. Is The Regents of the University of California named additional insured under the general liability insurance coverage?
  4. Is the name and address of the Certificate Holder properly indicated?
  5. Do the effective and expiration dates of the insurance policies cover the period of the contract?
  6. Do the limits of coverage meet the requirements of the contract?
  7. Is the certificate signed?

UC Certificate of Self-Insurance Coverage (COC)

The University of California self-funds its liability exposures. A Certificate of Self-Insurance Coverage (COC) is available on-line for use by entities conducting business with the University as evidence of UC’s self-funded retention levels, coverage terms, and limits. The self-insurance limits specified in a specific written agreement or contract shall be the limits that apply should a loss arise, regardless of the limits provided in the on-line COC. The University of California COC provides evidence of UC’s self-insurance policies, coverage terms, and limits and can be found at Certificate of Coverage.

Campus Risk Management Issues UC Certificates

When necessary the University of California issues certificates of self-insurance to non-University parties that are specific to a particular contract. Like the COC, these certificates provide evidence that the University carries the types of coverages under its self-insurance programs that are required by contract. The campus risk management office is responsible for issuing certificates of self-insurance to non-University parties.

The campus risk management office will not issue a UC certificate of insurance absent a properly executed agreement. To obtain a UC certificate of insurance, complete the Request for UC Certificate for Insurance form and submit it, along with the agreement, P.O., contract, license, permit, or other document that requires it, to the UCSB Risk Management office. UC Certificates of Insurance are issued subject to the provisions of the Bylaws and Standing Orders of The Regents, which do not permit any assumption of liability that does not result from and is not caused by the negligent acts or omissions of its officers, agents, or employees. No certificate of insurance can be issued against an agreement that contains indemnification language under which the campus assumes liability not permitted by The Regents.

 

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Deductibles

Coverage under UC insurance programs and policies for owned property is generally subject to deductibles. These deductibles can change. Current deductibles are as follows:

Automobiles

  • $500 per occurrence for physical damage to vehicles
  • $0 per rental vehicle when vehicles rented under a system-wide contract

Property

  • $5,000 per occurrence for water damage (or 10% if damages exceed $50,000)
  • $5,000 per occurrence for fire
  • $1,000 per occurrence for forced-entry theft
  • $5,000 per occurrence for non-forced entry theft
  • $1,000 per occurrence for university property in transit
  • $1,000 per occurrence for most other covered losses

Boats

  • 1% of insured value subject to $250 minimum
  • Subject to department request for coverage under the vessel schedule prior to loss

Fine Arts

  • $1,000 per occurrence except earthquakes and outdoor sculpture
  • $10,000 per occurrence for earthquakes and outdoor sculpture (each and every loss)
  • Subject to department request for coverage on permanent collections schedule prior to loss
  • Deductible does not apply to items on loan to the University

 

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University Insurance Requirements

The University requires contractors, vendors, and suppliers who provide goods and services to the University to have insurance and to provide the University with Certificates of Insurance as evidence of coverage. The types and limits of insurance the University requires are based on the contractor’s or vendor’s scope of work and the risks associated with the goods or services they are providing to the University. Based on the specific scope of work or activity, additional insurance may be required; a common additional coverage requirement is Professional Liability Insurance. The University also requires non-UC individuals and organizations who use campus facilities to meet its insurance requirements and provide it with evidence of coverage.

UC's Minimum Insurance Requirements

Commercial Form General Liability Insurance

Per Occurrence $1,000,000
Products & Completed Operations $2,000,000
Personal & Advertising Injury $1,000,000
General Aggregate $2,000,000

Business Automobile Liability Insurance

$1,000,000

For owned, scheduled, non-owned, or hired automobiles with a combined single limit per occurrence. Automobile liability insurance may be waived if a vehicle is being operated for commute purposes only.

Workers’ Compensation Insurance

As required by California state law.

Workers’ Compensation Insurance is required if a supplier has employees; if the supplier has no employees, this requirement is waived.

Professional Liability Insurance (Errors & Omissions)

$1,000,000

Professional Liability Insurance covers errors and omissions and the failure of actuaries, architects, engineers, physicians, lawyers, environmental consultants and other professionals to render professional services. Service providers not providing a professional service are exempt from this requirement.

Additional Insured

The Commercial Form General Liability and the Business Automobile Liability Insurance must be endorsed to include The Regents of the University of California as an additional inured.

Notice of Cancellation

Certificates of insurance must provide for advance written notice to the University, in accordance with policy provisions, of any modification, or cancellation of any of the required coverages.

Severability of Interest & Primary Insurance

The general liability policy shall contain a Severability of Interest provision and shall be primary insurance as respects any insurance or self-insurance maintained by the University, shall be excess of and non-contributory with such insurance.

Vendor/Contractor Insurance

Vendors and contractors who do not meet the University’s General Liability Insurance requirements can purchase Vendor/Contractor Insurance from the CampusConnexions Program. If the contractor/vendor’s application is accepted, an annual policy for University work costs $750. See "Vendor/Contractor Insurance" under CampusConnexions for more information about this coverage.

Links to UC Insurance Requirements

 

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Waiver of UC Insurance Requirements

Business & Finance Bulletin BUS‐63 states that “Under the terms and conditions of any contract, purchase order, or other agreement, the non‐University entity is required to show evidence of adequate insurance coverage by furnishing Certificate(s) of Insurance indicating compliance with all requirements.” Insurance protects the University by reducing its exposure to the liability of providers from whom it obtains goods and services. Risk exposure is a consequence of the goods and services that the University is obtaining from the provider, not their cost. Exposure to risk arises from the possibility of loss and the probable severity of injuries or property damage if loss occurs. Go to Insurance Requirements for more information.

Exemption Criteria

Policy allows exceptions to the University’s insurance requirements if the possibility of loss arising from a provider’s liability is negligible. Only the campus Risk Management office has the authority to make exceptions, to reduce or waive the University’s insurance requirements. At UCSB, departments can ask Risk Management to waive the insurance requirements if the purchase involves low risk goods and services that create little exposure to liability. The following minimum criteria must be met:

  1. The service has not yet been provided.
  2. The contract is between an academic/research/administrative unit/department and a service provider.
  3. The service provider is speaking at a campus event that takes place on a UC-owned, leased or rented property where the department is providing direct on-site supervision by an employee acting within the course and scope of employment.
  4. The service provider is providing one or more of the following services: copy editing, clothing repair, interpreting, data entry, note taking, assistance to a disabled individual, translation.
  5. The service provided does not include training, demonstrations, physical activity, transportation or travel, interaction with minors, or any other factor that may create liability.
  6. The services provided cost less than $4,999.
  7. The service provider has not contracted with the campus for a total of $4,999 or more during the current calendar year.
  8. All other standard University requirements for executing a contract of this type are met.
  9. The following indemnification clause is included in the contract and accepted by the service provider without modification: “….[NAME OF SERVICE PROVIDER] shall defend, indemnify and hold THE REGENTS OF THE UNIVERSITY OF CALIFORNIA, its officers, employees and agents harmless from and against any and all liability, loss, expense, including reasonable attorneys' fees, or claims for injury or damages arising out of the performance of this Agreement, but only in proportion to and to the extent such liability, loss, expense, attorneys' fees, or claims for injury or damages are caused by or result from the negligent or intentional acts or omissions of [NAME OF SERVICE PROVIDER], its officers, agents or employees….”.

Department Will Pay All Costs

If the request for an insurance waiver is approved, the service provider will have no insurance coverage for any losses, including claims and lawsuits, arising out of or caused by the goods or services that are provided to the University. The department that requested the waiver will become financially responsible for any costs for which the University becomes liable that are not covered by insurance.

Vendor/Contractor Insurance

It is University policy to require vendors and contractors who provide services to the University to carry insurance. Exceptions to policy are exactly that – exceptions. It is the practice of the Risk Management office to discourage waivers and not approve them unless they meet strict exemption criteria. Before a Department submits a request to waive the University’s insurance requirements, it would be well advised to consider that vendors and contractors who do not meet the University’s General Liability Insurance requirements can purchase low-cost Vendor/Contractor Insurance from the CampusConnexions Program. This insurance meets all University insurance requirements and eliminates the need for a waiver. An annual policy for any University work costs $750. See "Vendor/Contractor Insurance" under CampusConnexions for more information about this coverage.

Request for Waiver of UC Insurance Requirements

Departments who are procuring low risk goods or services that meet the exemption criteria described above, can submit a Request for Waiver of UC Insurance Requirements to the Risk Management office. The Risk Management office will review the Request and if it agrees that the goods and services will create little exposure to liability, it has the authority to approve the Request. A Request can be submitted as follows:

  1. Complete, sign and submit the Request for Waiver of UC Insurance Requirements form to the Risk Management office.
  2. PLEASE NOTE: A department control point (Dean, Director, Chair, etc.) must sign the Waiver Request.
  3. Submit a copy of the Procurement Services Request for Services and a copy of the contract, agreement, or other relevant documentation.
  4. Risk Management will review the application. It may ask additional questions to clarify the scope of work.
  5. If appropriate, Risk Management will approve the waiver, sign and return it to the applicant.
  6. If the scope of work upon which the waiver was approved is changed, the waiver is void.

 

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Personal Property

The University does not insure the personal property of faculty, staff, students, or visitors. It only insures property it owns or leases or that is in its care, custody, and control subject to a written agreement.

Property of Individuals Not Insured

The University assumes no responsibility for property that it does not own or operate, or that is not in its care, custody, and control. It is not responsible for the personal property of individuals, including employees, faculty, and students, whether or not the loss or damage occurred on University premises or while the employee was engaged in activities in the course and scope of employment.

Filing a Claim or Serving a Lawsuit

If you think the University is responsible for damage to your personal property and you want to file a claim, go to 3rd Party Claims & Complaints.

 

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Report 3rd Party Claims & Property Losses Immediately

Accidents   |   Auto Accidents   |   Bodily Injury   |   Property Damage

Call (800) 416-4029