What is risk management?
Why do you call yourselves Risk Services?
How are employees insured?
As long as they are acting in the course and scope of their University employment, employees are covered by the University's insurance programs. This is true even if employees make a foolish mistake. However, there are a few exceptions: employees are not covered for criminal activity or for sexual harassment. They are also not covered if the person suing them is awarded punitive damages (although this hardly ever happens). And it should be noted that if employees do make a foolish mistake, they are still subject to disciplinary action.
Does the University's insurance cover students?
If the students are employees of the University, they are covered by the University's insurance while in the course and scope of their University employment.
If Registered Student Organizations in good standing with the LEAD Center and written authorization to use the space hold an on-campus activity, they are eligible for Student Event Coverage.
If students are traveling for University-related purposes, they are entitled to coverage under the University's travel insurance program.
If students are interning elsehwere, they may be eligible for some coverage, provided they meet the following conditions:
The student is enrolled while participating in the internship.
The student is receiving academic credit during the same semester as the internship.
The internship is a required part of the course.
The course is not an independent study.
There is a written document between the course instructor and the internship host accurately defining the student's responsibilities.
The student's responsibilities conform with ethical standards applicable to the profession.
NOTE: The internship host and its officers, agents, and employees cannot be named as indemnified parties or additional insureds; coverage is for the student only.
How am I insured while driving on University business?
Is University property covered if we take it off-campus?
Does the University insure private property?
If our department sponsors an event, does that mean it's covered by the University's insurance?
What is a Certificate of Insurance?
Our vendor doesn't have insurance. Can we get the insurance requirements of our contract waived or reduced?
How can we reduce the risk of activities involving minors?
Make sure all employees interacting with minors have been background checked.
Have at least two adults at each activity involving minors, and make sure they keep in visual contact with each other as much as practically possible.
Do not allow individual adults to interact with one or more minors in a private space.
Prohibit program employees or volunteers from communicating with minors via text message, social media, or email without cc'ing at least one other adult.
Report any accident or incident involving a minor to the parent/guardian as soon as possible.
Release minors into the custody of authorized adults only.
How can we reduce the risk of events at which alcohol is served?
- Identify legal drinkers at the door with a colored bracelet, hand stamp, or other counterfeit-resistant marker and serve alcohol only to those individuals, or else require that before they are served, youthful individuals provide a picture ID confirming they are of legal age.
- Prohibit participants from bringing in their own alcohol by checking for bottles, cans, and other containers at the door.
- Appoint one or two individuals (of legal drinking age and who abstain during the event) with sole authority to serve alcohol, and do not permit anyone else in areas where alcohol is poured or stored.
- Do not leave kegs, bottles, or other alcohol containers unattended.
- Pour only one serving of alcohol per legal drinker (no giving drinkers an extra to take to a friend – who may be under age).
- Refuse to serve anyone showing signs of intoxication, such as unsteady legs or slurred speech.
- Stop serving alcohol at least one hour before the event ends.
- Arrange for adequate security prior to the event and keep security personnel highly visible throughout the event. To prevent covert assaults, lock areas of the facility you are not using.