1050 Risk Management/Insurance Policies & Procedures - OU Administrative Policies and Procedures

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SUBJECT:	RISK MANAGEMENT/INSURANCE POLICIES & PROCEDURES
NUMBER:	1050
AUTHORIZING BODY:	VICE PRESIDENT FOR LEGAL AFFAIRS AND GENERAL COUNSEL
RESPONSIBLE OFFICE:	RISK MANAGEMENT DEPARTMENT
DATE ISSUED:	JUNE 2010
LAST UPDATE:	APRIL 2018
RATIONALE: 这一政策确保了可保风险的识别和减轻以有效的方式发生, 以符合成本效益的方式购买保险，并通过风险管理办公室进行协调. In addition, 十大菠菜台子有义务及时向保险公司报告可能引起索赔的损失事件. Failure to meet reporting obligations may result in non-payment of claim expenses.
POLICY: The Office of Risk Management is authorized to purchase property, liability and other non-employee fringe benefit insurance for general and specific risks, 基于机构对潜在损失和损失保险成本的评估. As per Exhibit A: Insurance Allocation/Expense Matrix, 保险的广度和范围将取决于当前财政年度有效的保险单. 禁止个别单位使用学校资金单独购买保险. If a specific insurance coverage is required for an activity, unit, or sponsored project, the Office of Risk Management will work with the unit to secure the necessary insurance coverage. 保费和行政费用的分配方法由风险管理办公室每年与财务和行政部门协商确定. 所有财产损失或人身伤害索赔将由风险管理办公室审查和处理. 诉讼索赔将由法律事务厅与风险管理厅和第三方索赔管理员合作处理. All exceptions to this policy will be referred to OU AP&P #402 Exceptions to Administrative Policies and Procedures.
SCOPE AND APPLICABILITY: This policy applies to all University faculty, staff, students and volunteers.
DEFINITIONS: *Certificate of Insurance:* 由保险公司/经纪人出具的证明在特定条件下保险范围存在的文件. The document lists the effective and expiration dates of the policy, identifies the specific types of coverage, and the applicable insurance limits and deductibles. *Deductible:* The portion of the claim not covered by insurance. *M.U.S.I.C.:* Michigan Universities Self-Insurance Corporation. *PII:* Personal Identifiable Information. *Third Party Administrator:* 一个组织处理索赔处理和报告组成部分的自筹资金的福利计划. *UAD:* University Authorized Driver.
PROCEDURES: 1) Premium, Excess Coverage and Administrative Expense Allocations Annually (typically in the second quarter of the fiscal year), 一部分保险费用和行政费用分配给受益于大学保险范围的辅助单位. See attached Exhibit A for an executive summary. Property Deductible All property claims will be assessed the current property insurance deductible. Auxiliary Units are responsible for 100% of the deductible. Non-auxiliary Units are responsible for a portion of the deductible, see attached Exhibit A. Auto Insurance Deductible All Auto Insurance claims will be assessed the current auto insurance deductible. Auxiliary Units and Non-Auxiliary units are responsible for 100% of the deductible. OU Approved Buses, Limos, Shuttles OU Approved Vendors are listed on the Purchasing Department website. Departments requesting Charter Bus Companies, Buses, Limos and Shuttles that are not on the OU Approved Vendor list, MUST verify the following standards: SafeStat score of less than 75 in each category and a “Satisfactory” safety rating. Scores can be found on the following website for Passenger Carrier Safety. A minimum of $5 million in Auto Liability coverage, and Oakland University & Board of Trustees listed as additional insured. 2) Foreign Travel The University provides insurance coverage for faculty, staff and students who are traveling overseas either on University business, or as part of a study abroad class or program. Prior registration is required; visit the Risk Management website to register. Travel restrictions may exist for certain countries, which may limit insurance coverage. 向风险管理办公室或十大菠菜台子办公室查询更多信息. All claims are handled by the Third Party Administrator; detailed claim filing instructions are located on the Risk Management website. If participating in higher risk activities, a waiver of liability will be required. If renting/leasing a vehicle in a foreign country, local insurance MUST be purchased at the time of rental. 联系风险管理办公室获取最新信息或访问“风险管理”网站. 3) Requests for Oakland University Certificates of Insurance 请参阅风险管理办公室网站，了解具体的保险证书申请说明. 风险管理办公室将在收到请求的七(7)个工作日内准备好证书. 4) Insurance Coverage & Limits for Construction Projects and Activities or Services At the inception of the contract, 启动合同的部门有责任核实保险范围是否符合附录B和C中详细说明的要求, as permitted per Exhibit D, 或经风险管理部门批准，并在开工前随合同提交保险证明. 鼓励各部门在合同有效期内定期审查保险限额，以确认这些限额自合同开始以来没有发生过变化. 只有风险管理办公室才能改变或放弃对保险要求的修改. 工作开始后收到的保险要求修改和/或取消通知应通知风险管理办公室. 所有rfp(提案请求)必须遵循附录B《十大菠菜台子》或附录C《十大菠菜软件》中列出的保险条款要求. Any deviations must be reviewed by the Office of Risk Management prior to advertisement of the RFP. 附录D中未涵盖的豁免保险请求:请参阅风险管理办公室网站获取说明. 5) Reporting Claims 可能导致索赔的事件必须在事件发生后24小时内向风险管理办公室报告. Claims handling procedures and payment methods may vary depending on the size, type and complexity of the loss and will be determined by the Office of Risk Management. Automobile Claims UAD Personal Vehicles 在学校工作期间驾驶个人车辆的学生必须购买现行法律规定的个人汽车保险. UAD的个人汽车保险将是发生在大学业务上的索赔的主要保险. 学校不为自备/租赁/租赁车辆提供汽车实物损坏保险(综合和/或碰撞). (See OU AP&P #1200 Travel .) UAD and University Vehicles UAD运营的大学车辆或设备在密歇根无过错法案中涵盖对他人财产的损害和/或人身伤害索赔. 风险管理部门应将所有相关索赔报告给学校的第三方管理员处理. a. If a vehicle is owned, leased or rented by the University and is damaged while on campus, a police report must be filed with the Oakland University Police Department (OUPD). If the damage or loss occurs off campus a report should be made to the local police. UAD或主管必须尽快将事故通知风险管理办公室，但不得迟于收到UAD通知后的一(1)个工作日. UAD有责任要求将警方报告的副本发送给风险管理办公室. Please refer to Risk Management website. b. Auto Claims Exceeding the Current Deductible: For any claim involving repairs exceeding the current deductible, three (3) estimates 在进行维修之前，必须获得并提交给风险管理办公室批准. The services of an independent claims adjuster may also be required. Auto repairs less than the current deductible are the responsibility of the department. All repairs are paid for and managed by the department. Cyber Claims Any theft of or tampering with hardware, software or stored data including laptops, desktops, mobile devices, electronic storage devices or servers, 必须立即报告给首席信息官(CIO)和风险管理办公室. (See also OU AP&P #860 Information Security). Loss of Personal Identifiable Information (PII) Incidents involving loss of PII, whether stored electronically or in a hard copy format, must be reported immediately to the (CIO) and the Office of Risk Management. (See alsoOU AP&P #860 Information Security.) Property Claims 大学财产损坏或被盗必须尽快报告给OUPD和风险管理办公室. It is of the utmost importance to preserve any damaged items for evaluation. Pictures should be taken of the damage. No repairs should take place without prior Risk Management approval. (See also OU AP&P #360 Property Management Third Party Claims Potential claims involving third parties should be directed to the Office of Risk Management. If a lawsuit has been filed, the Office of Legal Affairs should be contacted directly.
RELATED POLICIES AND FORMS: OU AP&P #360 Property Management OU AP&P #402 Exceptions to Administrative Policies and Procedures OU AP&P #610 Driving Practices and Standards OU AP&P #860 Information Security OU AP&P #1200 Travel Exhibit A - Insurance Allocation/Expense Matrix Exhibit B - Construction Projects Insurance Coverage Requirements Exhibit C - Activities or Services Insurance Coverage Requirements Exhibit D - Risk Management Approved Activities/Events Insurance Requirement Waived
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