DU Institutional Insurance Guidelines

Part Two

Following is general insurance information.  The department welcomes inquiries and hopes to provide resources to you in the following areas:

Ellen Shew Holland, Director 303.871.2327

• Insurance coverage questions/portfolio management
• Contract review for insurance liability and indemnification language
• Management and response for liability and loss prevention efforts
• Defensive Driving instruction/approval at http://ducal.du.edu
• Critical Incident Management/Business Continuity Program

• Workers’ Compensation Reporting (within 24 hours of incident)
• Auto Claims
• TULIP-Tenant User Liability Insurance Policy/(3rd parties using DU venues)

General Insurance Guidelines include:

Auto Liability

• All drivers of DU vehicles must take the Defensive Driving Course
• DU owned, leased vehicles are covered by DU insurance with a $10,000 property deductible and a $25,000 3rd party liability deductible
• 15-passenger vans are no longer used.
• For rentals, see the table below:

International Travel: Purchase insurance at all times, in some cases it is illegal to drive without it.

Definitions:

• Collision is coverage for the auto you are driving
• Liability is coverage for any 3rd party claims
• Personal Liability is coverage for the driver only

General Liability (GL)

• $50,000 deductible.
• Contracts: Contract language is more important than ever in reducing our potential liability. Please contact the Director at 303.871.2327 for indemnification and insurance language review in conjunction with University Counsel legal review.
• Contract Authority: A limited number of persons are authorized by the Board to sign contracts. They in turn can provide written authority to sign contracts. Do not sign contracts or authorize unless you have authority!
• GL Requirements of 3rd parties: We require $1Million per occurrence and $2Million aggregate of our 3rd party contractors. Contact the Loss Control Manager at 303.871.2354 for certificate of insurance letter.
• Tenant User Liability Insurance (TULIP), is available for those who do not have insurance, on a daily basis. This provides a $1Million layer of protection to the university for GL coverage. Check our training site for further information at http://ducal.du.edu
• Independent Contractor Agreements are required for any 3rd party conducting business who may be paid by the university. This requires that they have their own health, or other appropriate insurance.
• Assumption of Risk Forms are required for 3rd party activities, including student trips; club sports events, and volunteer activities such as theatre, etc.
• Internship Agreements with 3rd parties should be in place with each 3rd party utilizing student interns for non-credit experience, due to GL and workers’ comp concerns. Contact the Director in conjunction with University Counsel review.

Educators’ Legal Liability

• Discuss any employment concerns immediately with supervisor, HR, Ombuds Officer, Office of Diversity, or University Counsel.

Overseas Travel Programs

• Risk Management is now tracking all trips overseas in conjunction with Internationalization for liability purposes. If you have any groups or individuals traveling overseas, you will need to work with the Office of Internationalization regarding DU policies and procedures.
• If this is an individual traveling overseas for a conference or program, please make sure that you send notice including itinerary, days to and from, location of travel, and brief description of program to the Office of Internationalization and Risk Management Department two weeks prior to travel.

Workers’ Compensation

• Refer to the Workers' Compensation Procedures.
• Injury Notification-24 hours. Complete the employee First report of injury form, and Supervisor's report of injury form .
• The designated provider for workers’ compensation is Rocky Mountain Medical Group.
• Workers’ Compensation is an employee’s exclusive remedy for work-related injuries/illnesses.

Ergonomics Questions: Please request ergo workstation evaluations from the Loss Control Manager at 303.871.2354. Call early-don’t wait for problems to get worse. Indoor Air Quality, or other Health & Safety items of concern in the workplace-can be referred to EH&S Director at 303.871.7501. Please notify of incidents at the time of concern, not after the problem has ceased.

Critical Incident Management Program

1. The Critical Incident Management Program is a program designed to address incidents involving the university that may impact life safety, financial, property or reputation risks.  Departments involved in this process include: Risk Management, Campus Safety, Facilities Management, News & Public Affairs, and UTS and is managed by the Department of Risk Management.
2. All incidents that may be life threatening or of concern should be reported to 911 and Campus Safety at 303.871.3000.