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Does Your Department Have Adequate Insurance Coverage?
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Summary: Follow these steps to make sure your department has adequate liability insurance coverage. |
| What to do |
How to do it |
| 1 |
Take an inventory of all property owned by your department and confirm that everything is insured. |
- Include vehicles, computers, office furniture, lab equipment, fine arts, and miscellaneous equipment.
- Give special consideration to anything that is essential to your department's work.
- Read about UC's Basic Property Insurance, including deductibles, limitations, and exclusions.
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| 2 |
Make sure that borrowed, leased, or rented equipment is insured.
Important: This equipment is not automatically covered under the university's basic property insurance program. |
- Determine if the owner already has insurance for these items, or if your department would be responsible if they are lost or stolen.
- Important: Get written proof of insurance or indemnity wording in a contract. Don't rely on verbal agreements to absolve your department of responsibility.
- Request that uninsured equipment be included under the university's property insurance:
- Contact EH&S Risk Management, (858) 534-2454.
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| 3 |
Identify special activities or policies that could put your department at risk. |
- Consider situations that may expose your department to risk. Examples include:
- Consider vehicle policies. Insurance coverage differs for university-owned, employee-owned, or rented vehicles. Read more about vehicle insurance:
- Consider university-owned property that employees:
- Transport in a personal car
- Use at home (e.g., equipment used for telecommuting)
- Read about university policies before using outside suppliers and services:
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| 4 |
Evaluate your department's existing insurance coverage. |
- Review UCSD's automatic insurance programs to see if they provide sufficient coverage.
Be sure to note restrictions, exclusions, limits, and deductibles.
- Find out if your department is enrolled in any by-request (optional) insurance programs.
- Check department records for enrollment forms or annual renewal forms.
- Contact EH&S Risk Management, (858) 534-3820, if you can't find current renewal forms or have questions.
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| 5 |
Consider purchasing insurance for specific risks not included in your department's existing coverage. |
- Read about by-request (optional) insurance programs, including their limitations and exclusions.
- Contact EH&S Risk Management, (858) 534-2454, for more information or to enroll in a program.
- Ask about customized insurance coverage for special cases.
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| 6 |
Take advantage of other loss-control measures to minimize your department's risk. |
- Review department policies that could contribute to losses. Examples include:
- Key control
- After-hours policies for office space, classrooms, and labs
- Off-campus events and programs
- Ask UCSD Police to perform a free security survey. An officer will:
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Review your department's procedures
- Identify practices that put your department at risk
- Recommend theft devices and alarms suitable for your area
Contact Crime Prevention, (858) 534-3644, to request a security survey.
- Attend Risk Management classes to learn about protecting your department's assets.
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If you are a UCSD employee and have questions, contact EH&S Risk Management, (858) 534-2454. |
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Notice: When a loss occurs, notify EH&S Risk Management, (858) 534-3820, immediately to promptly initiate the insurance investigation and claim process. Use pager number (858) 583-3302 for emergencies only. Take a picture if a camera is available.
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