Property Insurance: • Accidental Loss of Life, Limb or Sight: Up Liability limit: $1,00,000,000 blanket buildings and Exclusions include: to $10,000. contents limit. • Serious and willful misconduct; • Medical Expenses up to $10,000 for medical • Knowingly employing someone in violation services includes hospital stays, medical or Deductibles: of the law; surgical treatment by a doctor, and services Program A: • Failing to comply with a health or safety law of licensed or graduate nurses. Bond Funded Facilities or regulation; • Dental care, as needed. • $100,000 per occurrence “All Risk” and • In violation of WC law, employer • $100,000 per flood occurrence discharged, coerced, or knowingly Special Event Insurance Requirements: discriminated against any employee; In the event that a third party wishing to lease a Program B: • Violation or failure to comply with a WC campus facility cannot meet the campus insurance Non-Bond Funded Facilities law. requirements, they may purchase insurance coverage • $100,000 per occurrence “All Risk” and from the university. Insurance costs are based on the • $100,000 per flood occurrence Student Travel Accident Insurance Summary: type of activity for which the campus facility will be Medical expense benefits provided under this policy used and the number of people participating in the Exclusions: are excess insurance. No expense is covered if it activity. The Office of Risk Management & Safety Earthquake shock is not covered. would be covered by another health care plan in the determines the insurance cost, receives payment and absence of this insurance. This policy pays after any issues a Certificate of Insurance to the lessee. There General Liability, Errors and Omissions: other health care plan, regardless of any coordination is a zero deductible for Special Event insurance. Policy aggregate limit: $15,000,000 per occurrence. of benefits provisions in the other plans. Costs are based on a prescribed schedule. Cal State San Marcos is named as ‘additional insured’ on the Deductible: Eligibility: policy/certificate with an additional insured $35,000 per occurrence campus wide. Any (California State University) student, including endorsement from the off-campus insurer. Also, students enrolled only in extended studies programs when determined necessary by the campus, Nominee Deductible: of the California State University. (campus units) coverage is available for campus $35,000 for Dorm Revenue Fund Facilities, events. Student Health Center, Parking, Extended Students are insured if injuries occur while away Studies (CERF), and other self-funded from campus, while traveling to or from, and while Foreign Travel Liability Insurance Program operations. participating in a short-sponsored activity, which (FTLIP) Summary: includes travel or participating in activities away This insurance is available for purchase by traveling Covers past or current elected or appointed officials, from campus which: faculty, staff, and students participating in academic employees or appointed volunteers (duly registered) • Are a mandatory part of course related activities. It addresses the financing of losses whether or not compensated while in an official requirements; or related to foreign travel and is intended for short-term capacity of the University. Non-member • Are sponsored by a University auxiliary foreign travel. organizations may include, but are not limited to, the organization (including but not limited to following: auxiliary organizations (excluding grant- Associated Student associations) or other Background: related activities), alumni associations, and volunteer recognized student organization or club; and Existing general liability and workers’ compensation university support groups are not covered under this • Includes travel to or from intercollegiate insurance coverage may not provide adequate policy. athletic events away from campus, but does protection against litigation brought in foreign not include participation in such events or countries or for injury or illness experienced by Workers’ Compensation (WC) Program: practices. faculty or staff in foreign countries. FTLIP provides Provides statutory coverage (Coverage A) and critical primary coverage for otherwise uninsured employers’ liability coverage (Coverage B). Coverage and Benefits: exposures for the University, which includes: • The limits of liability for Coverage A are as • Medical Expense Limit: $10,000 maximum mandated by statute. per covered person, per covered accident. • Coverage B liability limit is $10,000,000. 1) General Liability: Existing university general liability financing Purchase can be made at any time and the cost of the provides coverage up to $1,000,000 general insurance is borne by the requesting department, aggregate limit and FTLIP primary coverage for the college or administrative unit. The deductible rates University with a zero deductible. start at $500. 2) Automobile Liability Coverage: Standard Insurance Provisions for University Existing university automobile liability financing Contracts: provides coverage that is not limited to the USA. Chancellor’s Office Executive Order 849, dated FTLIP provides $1,000,000 foreign commercial auto February 5, 2003, requires that for certain contracts liability primary coverage for hired and non-owned vendors must secure the appropriate insurance up to (by the University) standard passenger vehicles and the limits for that category of work. Exceptions to their operating with a zero deductible. these requirements may be approved following the campus’ Insurance Requirements for Contracts policy Risk Management & Safety’s Mission: 3) Workers’ Compensation: and procedure to amend the standard practices to use FTLIP provides $1,000,000 primary coverage for either higher or lower limits. The types of contracts Contributing to a total learning environment by employees with a zero deductible. covered by this E.O. are: Public Works Construction, providing support, guidance, and leadership, Service Agreements, Hazardous Substance and promoting safety, and preserving the human and Cost of Coverage: Waste Removal Services, Campus Facilities and physical resources of the campus community. The FTLIP is provided as a package, which includes Property Lease, Auxiliary Operation Agreements, all coverage and services for a premium that is based and Student Placement Agreements. upon factors that include the destination, number of Location........................................Craven Hall, ste. 4700 participants, and number of days of travel. Coverage Under the terms and conditions of a contract or is subject to a minimum premium of $500 per trip. agreement for services, the contractor, consultant, or Telephone................................................. (760) 750-4502 The cost of this insurance premium is the vendor must be required to provide evidence of Facsimile .................................................. (760) 750-3208 responsibility of the requesting academic department adequate insurance coverage by furnishing to Cal or administrative unit and is not automatically State San Marcos a certificate or certificates of URL..................................... http://www.csusm.edu/rms/ applied to foreign travelers. Additionally, FTLIP insurance accompanied by additional insured Email.................................email@example.com provides accident and sickness medical services endorsements. Questions pertaining to any aspect of coverage for students participating in the foreign insurance for the University or methods of risk travel insurance program, excess of any primary reduction or mitigation should be directed to Risk UNIVERSITY coverage they may have. Since FTLI P coverage is a Management & Safety at ext. 4502. pay-as-you-go program, you must contact Risk INSURANCE PROGRAMS Management & Safety at ext. 4502 for further For additional resources go to: assistance. RISK MANAGEMENT & SAFETY OFFICE • CSU-use of university and private vehicles Cal State San Marcos is a member of an annually Inland Marine Insurance: policy guide @ renewable liability program that funds losses for the Limits of Liability (see policy for declarations): Not http://www.csurma.org/access/member_stateveh. following exposures: to exceed $7,500,000. All limits and deductibles are shtml per occurrence. • Government Claim Form @ Property, General Liability (Errors and Omissions), http://www.boc.ca.gov/GovClms.htm Workers’ Compensation, Student Travel Accident The policy covers such items as: musical • Department of General Services @ Policy, Foreign Travel Liability, Inland Marine, and instruments, fine arts, art gallery exhibitions, http://www.dgs.ca.gov/default.htm Boiler and Machinery. electronic data processing equipment (EDP), camera • CSU Risk Management Authority’s website @ equipment, and other miscellaneous equipment for http://www.csurma.org/ standard perils such as fire and theft.
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