Insurance and Indemnification

Insurance and Indemnification

Contents

OSU Office of Insurance
Employee Coverage
Property Coverage
Indemnification
Students Traveling Internationally
Contacts

 

 

Employee Coverage

Liability: Employees are covered under the university's general liability insurance when acting according to their assigned job duties at a limit of $1,000,000 per occurrence subject to an annual aggregate for the organization. The university's deductible for liability is $100,000. A printable "Certificate of Insurance for Liability" can be found on the university Business and Finance Website. Certificate of Insurance for Public Entity University Liability

Automobile: Employees driving a vehicle on the behalf of the university must have their own private liability insurance. The university's policy will not cover incidents in the case of an accident in a vehicle while on work time. For this reason all faculty and staff are encouraged to consult their insurance company before they decide to transport any non-OSU employees in their vehicle. Auto Insurance Fact Sheet

Visiting Private Property: When asking an individual to allow OSU Extension program participants to access their private property for an OSU Extension activity, the individual landowner may be provided a letter to be covered as an additional insured under the OSU insurance policy for this one-time activity. This letter is not to be modified to fit organizations. It is for private individuals/landowners only. It should not be used for recurring events or events held on private property owned by a business that otherwise require a contract to be executed between OSU Extension and the landowner. 

Personal Benefits: Employees receive health and other job related benefits as an employee of the university. More information is available at the Human Resources website. 

 

Property Coverage

The university has property insurance coverage for university property. The deductible for property insurance for the university is $50,000. This coverage does not cover theft, but would cover damage such as tornado damage. The Certificate of Insurance for Property can be found on the Business and Finance Website. 

Units are permitted to buy supplemental coverage to help offset the $50,000 in case a need arises. These plans should be purchased using a purchase order via an approved eRequest

Note: The university doesn't offer certifications with a named additional Insured. Our policy provides insurance according to the contract. The written agreement addresses what special requirements are necessary of the parties and is legally binding.  This over rides what may be excluded with in any insurance policy. 

 

Indemnification

Contracts and agreements with indemnification statements (also called a "hold harmless" statement) will need to be reviewed by OSU Legal Affairs, OSU Purchasing and/or the Office of Sponsored Programs. Send contract for signature using an eRequest. See more on contract submission process

From the OSU Legal Handbook: Biennium Article II, Section 22 of the Ohio Constitution prohibits the imposition of state related financial obligations beyond a biennium. This applies most frequently to debt and to the university’s inability to entertain indemnification provision in contracts. [See AG Opinion No. 96-060] 

Additional Indemnification Information

 

Students Traveling Internationally

The attached memo outlines some guidelines for advising students that are traveling internationally on behalf of the university. Supplemental insurance is suggested for a nominal cost as an operating procedure of the university. The benefits of the policy form the infrastructure of the university’s ability to proactively respond to a health or safety crisis involving a member of our student community abroad. Study abroad programs managed by the Office of International Affairs automatically include this coverage. This message is for those units that are sending students internationally for other purposes such as dissertation research, lab or field studies, conference attendance or presentations, and/or student organization travel. This applies to both undergraduate and graduate level students and applies whether we are paying for the students travel or not.

All units, fiscal administrators and advisors are encouraged to remind their students to build the costs of the insurance into their international travel budgets and to enroll prior to departure. 

Instructions - http://oia.osu.edu/preparing-to-depart/health-insurance.html

 

 

Questions about risk management should be directed to one of the following individuals:

Jen Bulla - BOC Senior Manager
Terry Rodeman - Insurance Administrator, Office of Business and Finance

 

 

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