Risk Management & SOU Insurance Coverage
Only the Oregon University System, through its Risk Management Division (RMD), has the legal authority to direct, manage, and arrange for or purchase all insurance programs of state universities, except for employee benefit insurance programs, which are directed and managed by the Public Employees Benefit Board (PEBB).
No one in a state agency may purchase any kind of insurance. All universities of the Oregon University System are considered state agencies. If you have any insurance need, please have the appropriate person contact Treasa Sprague (541 552 6319), SOU's Risk Coordinator.
The state is self-insured for its property and liability exposures. Workers' compensation insurance is purchased from SAIF Corporation, as required by statute. State monies may only be used to cover officers, employees, and agents of state government. The state provides for those coverages by assessing the state agencies. The assessment dollars are then segregated into a fund for property, a fund for liability, and a fund for workers' compensation premiums.
Nearly all state-owned property can be covered by RMD. This includes automobiles, real property (buildings and equipment), and personal property (building contents and supplies). The personal property of others can be covered if a Personal Property Loan Agreement is signed by the university Risk Coordinator.
University property taken off campus may not be covered, depending upon the circumstances of the loss. Departments should complete and submit an Agreement to Allow Off Campus Use of University Property form whenever university property is taken off-site.
The state does limit the value of some of the property it will cover, and the university must elect to have those items covered. Property with limits of coverage includes boilers and machinery, electronic data processing equipment and media, money and securities, and exceptional items (art or items of historic value).
The value of all property must be reported to RMD each year in order to be covered.
RMD requires a $5000 deductible for any covered property loss. All claims for property loss must be reported to the university Risk Coordinator immediately upon loss.
The state will defend and pay damages, if necessary, for all liability claims for alleged wrongdoing by state agencies, their officers, employees, and agents, when the law says they are legally bound to make good on any loss or damage.
Liability coverage applies as long as state employees are acting within the scope of their duties for the state. State employees are not covered for criminal acts, violation of the state's code of ethics, or other types of wrongdoing.
Specific areas covered include
auto liability--the state pays for medical expenses, wage replacement, property damage, pain and suffering, and attorney expense.
tort liability--the state pays for bodily injury, property damage, pain and suffering, and attorney expense.
A tort is a wrongful act other than a breach of contract that injures another and for which civil action can be brought and subsequent judgment for damages can be paid to the wronged party. It is a reckless or negligent violation of another person's rights that results in some sort of injury, including bodily injury, property damage, loss of reputation, emotional distress, or loss/impairment of a constitutional right or freedom.
Tort liability coverage includes exposures arising from our usage of airplanes, vehicles, and watercraft. The state's tort liability coverage also includes those areas of liability usually covered by professional liability. This means that our student health center medical providers and others on the campus whose jobs require a license will be covered in the event they are accused of wrongful acts. Again, in order to be covered, a wrongful act must occur while they are acting in the scope of their employment for the state.
If you become aware that someone feels they have been wronged by the actions of an employee, officer, or agent of the university, you must notify the university Risk Coordinator within 24 hours.
The state purchases a policy for foreign liability. Foreign liability covers any liability the university incurs when its officers, employees, or agents travel to foreign countries. The insurance provides broad coverage for bodily injury and property damage, foreign automobile liability for bodily injury and property damage, medical payments for accidents, fire legal liability coverage for real property, and employee benefits liability. Foreign liability does not cover professional liability or contractual liability. Repatriation coverage includes medical evacuation of state employees to the nearest good medical facility and, in the event of death, return of the state employee's body to the United States. Some foreign countries are excluded by the state's policy; in those cases, the state is self-insured for this exposure.
Provided by SAIF Corporation as mandated by statute, workers' compensation covers the occupational injuries or diseases of state employees. Workers who are injured in the course and scope of their duties must complete a form 801 to apply for this coverage. These forms can be obtained from the university Workers' Compensation Coordinator in the Human Resource Office. Claims must be filed within 72 hours of the injury. Claims resulting in immediate hospitalization or death must be reported to Oregon OSHA within 24 hours of the accident.
The university is covered for the loss of state money or property directly caused by an employee's dishonest or fraudulent act. You must report every loss or situation to the Risk Coordinator that may result in loss immediately after discovery. The Risk Coordinator must notify RMD and the Secretary of State.
Aviation insurance is liability insurance that covers liability claims and damage to the aircraft for employees and agents operating aircraft on official business.
VIC covers volunteers for injury caused directly and solely by an accident occurring during, and arising out of, the performance of official state business duties assigned by department personnel. Coverage includes benefits for medical expense, short-term disability, and accidental death and dismemberment. Contact your Risk Coordinator for information about VIC coverage. The university must have both a completed job description and a signed Conditions of Volunteer Service form from the volunteer prior to beginning voluntary service for the university.
The Risk Manager for OUS purchases intercollegiate Athletics Insurance, Catastrophic Athletic coverage, and Special Risks Accident insurances (day care insurance, special events insurance, and alumni sports events insurance) for the system.
Basic and catastrophic athletic insurances cover student athletes, cheerleaders, and student trainers for bodily injury and/or death while participating in regularly scheduled intercollegiate sports events, including supervised practices and tryouts during the regular season and group travel to and from practices and events. The coverage consists of accidental death and dismemberment insurance, disability insurance, and medical insurance for accidental injuries. Athletic insurance does not cover alumni sports events (see below) or club sports.
This Special Risks Accident insurance for bodily injury and/or death covers persons participating in or supervising alumni sports events sponsored by the university, on the premises designated by the university, and while traveling to and from activities or to and from home and the event. Contact the Risk Coordinator well in advance of the event (one month is preferable) for coverage.
Special Risks Accident insurance for day care facilities provides accidental death, dismemberment, and accident medical expense coverage for nonemployee persons participating in day care center activities on the premises designated and supervised by university day care personnel or while traveling with a group in connection with activities under the direct supervision of day care center personnel, or while traveling directly to or from activities and their home or lodging place. The policy also includes a catastrophe benefit if the person's injury results in coma, quadriplegia, paraplegia, hemiplegia, or loss of movement of one upper or one lower limb. Notice of a claim must be given to the Risk Coordinator within (20) days after covered loss begins.
Special events insurance (accident medical coverage) is blanket coverage for registered attendees at a camp or event sponsored by a university department, covering injuries or sickness while attendees are at a regularly scheduled camp activity under the supervision of university personnel and while traveling to and from camp activities and to and from home (before and after camp). Departments should contact the university Risk Coordinator for coverage and cost.
Treasa Sprague (541 552 6319), Finance & Administration is the Risk Coordinator for Southern Oregon University. Please contact her with any insurance questions or information on filing a claim.