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Liability Insurance
Auto Liability & Physical Damage Coverage
Property Coverage
Emergency Travel Insurance
LIABILITY INSURANCE
Coverage
Coverage is extended to any present or former trustee, director, officer, administrator,
employee, volunteer worker, student teacher or student intern of the University,
while acting within the scope of their duties to or on behalf of the University.
Coverage does not extend to the above-mentioned individuals’ actions outside
their said duties, or to conduct that is intentionally harmful or malicious.
Insurance Requirements for Groups Using Campus
Facilities
Groups coming to campus to host events shall maintain insurance coverage from
an AM Best rated insurance company. They should be in compliance with all applicable
laws and regulations related to worker compensation and have sufficient coverage
to handle any liability arising out of any such claim brought by any employee,
agent, subcontractor or independent contractor of the group. Comprehensive
commercial general liability should be in an amount not less than $3,000,000
per occurrence for bodily injury and $1,000,000 per occurrence for property
damage. Automobile liability insurance for all owned, non-owned and hired vehicles
should be in an amount not less than $1,000,000 per occurrence. The University
shall be named as additional insured on the group’s insurance policies.
Special Event Insurance
For groups who do not have adequate liability insurance, or none at all, the
University offers a special events insurance policy. This policy provides
liability coverage for the groups at the limits required by the University.
Cost for the special events insurance is determined by the type of event
the group is providing and the number of people attending the event. To obtain
information or have questions answered regarding the special events insurance,
contact the risk management and insurance specialist in
the Finance Office at x2461.
AUTO
LIABILITY & PHYSICAL DAMAGE COVERAGE
Coverage
Coverage is extended to any person legally responsible for the use of an automobile
owned, borrowed or hired for use by the University, provided the automobile is
used with the permission of the University.
Motorpool Vehicles
Motorpool vehicles are checked out and maintained by the Office of Safety and
Security. For more information on motorpool vehicles and the related policies
and procedures, please visit http://www.spu.edu/depts/security/motorpool.asp.
Rental Vehicles
The University’s auto liability and physical damage insurance extends
to vehicles rented for University business.
Auto Insurance Coverage Through University
Purchasing Cards
MasterCard offers the MasterRental Insurance Coverage for University individuals
who use their University purchasing card to rent vehicles. MasterRental will
pay for covered damages up to certain limits per incident for which the cardholder
or any authorized driver is legally responsible to the rental agency on a primary
basis. The coverage does not extend to vehicles that accommodate more than
nine passengers.
Personal Vehicles
The University auto liability and physical damage coverage does not extend
to personal vehicles driven by individuals for University business. Individuals
are responsible for their own auto insurance.
Transportation Policy
Academic courses usually do not require the transportation of Seattle Pacific
University students from campus to another location unless so stated in the
course syllabi. If the course or event is to be convened at the remote location,
students are required to provide their own transportation to the site. Unless
specifically stated, the University normally assumes no responsibility for
determining transportation of students to the site of a course.
Unless specifically stated, the University is not responsible
for transportation of students to non-academic activities, whether
such activities occur on or off campus. Students are responsible
for their own transportation to such activities.
If transportation of SPU students is in University-owned or sponsored
vehicles, drivers must have passed a defensive driving course,
possess a current driver’s license and have authorized a
check of their driving records. The Office of Safety and Security
maintains a list of qualified drivers. They need not be notified
of all officially sponsored travel.
Any exception to this policy must be approved in advance and in
writing by the Vice President for Business and Planning.
PROPERTY COVERAGE
Buildings
The University is insured for certain defined perils on University Real Property,
University Personal Property, and business interruptions.
Personal Property
The University will not be liable for articles that are lost, stolen or damaged
by fire, water, heat and/or other natural disasters. (Individuals are encouraged
to purchase insurance to cover loss or damage to personal property or extend
their homeowners’ insurance for this purpose.)
Laptop Insurance
Due to the high cost of purchasing laptop coverage, the University’s
general property insurance does not cover the replacement of laptop computers
that may be lost or stolen. Therefore, we have established a plan to ease the
budgetary impact of losses on departments. By paying a premium to the self-insurance
plan, any laptop loss that would normally be covered under the provisions of
our property insurance policy will be covered in full by the self-insurance
plan. If you choose not to participate in the premium option and a loss occurs,
your department will pay for the loss in full. Contact the risk management and insurance specialist at x2461 if you have any questions concerning this coverage.
EMERGENCY TRAVEL INSURANCE
Travel Insurance
The University requires that all persons participating in University
trips outside the United States have travel insurance in case of
emergencies. The University offers insurance through International SOS. The coverage includes locating qualified medical
providers, medical monitoring, emergency medical transport, repatriation
of remains, replacement of medication, and other emergency services.
This is not health insurance coverage. Individuals must maintain
their own health insurance. Travelers should inquire with their
health care provider about international coverage. The cost of the
International SOS coverage is $55.00 and is paid by the individual.
Contact the risk management and insurance specialist in the Finance Office at x2461 with any questions
regarding this coverage.
If a person participating in a trip outside of the United States
with the University already has travel insurance that meets the
University insurance coverage, the individual does not need to
purchase the travel insurance through the University. A copy of
the coverage should be submitted to the risk management and insurance specialist for review to confirm the coverage is adequate.
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