on questions below for answers:
Am I covered?
Very good question!
Covered for what? While insurance is easy to overlook (until a
loss!) insurance is not just insurance, there are many types. Please
see the Insurance Policies for more information. If you still have
questions please contact the Risk and Insurance Analyst.
Are volunteers covered?
Again, covered for what? Volunteers are covered by the University’s
liability insurance policy while they are performing authorized
services on behalf of the University. Please see the Liability Insurance policy summary for further information.
Is my personal property covered?
Generally speaking, the University's coverage does not include
your personal property; however, if the property is of a professional
nature and is being used at the request of, or to benefit the University,
and no other specific coverage applies, then the University will
consider this on a case by case basis for such “personal
professional property”. Please see the Property Insurance
policy summary for further information.
Does the University insure borrowed items?
The University insurance will cover items if the loan is authorized
by the Department Chair and the following information is provided
to the Risk Management and Insurance Department prior to the
acquisition of the loan items: a list of each item, its estimated
value, make/model # if applicable and the terms of the borrowing.
Insurance is on the same basis as for University owned property.
Please see the Property Insurance policy summary for further information.
What do I do if University equipment is stolen or damaged in
Please see Making a Claim for further details.
How much is the property deductible?
Risk Management utilizes deductible system based on the loss
see the Property Insurance policy summaryfor further information.
Does Risk Management provide loss prevention recommendations?
Yes, contact the Risk and Insurance Analyst for
Do I need to purchase insurance to cover property in transit?
Equipment purchases should normally be made on the basis of FOB
point of delivery. That is, the vendor assumes the transportation
risk (termed Free on Board or
FOB) for the goods up to the point of destination which is normally to the University's
premises and includes loading/unloading.
In certain cases, the transit risk may be negotiated separately for business
reasons, for example when goods are being sent out for repair. When the University
ships goods for purposes of repair, loan or for use in field research, either
the shipping company or the University would normally undertake the transit risk.
Normally, insurance coverage should be arranged with the shipper on a declared
value basis whenever feasible. This usually costs 1-2% of the declared value
and covers all damage with zero deductible. For special trip transit insurance
for more valuable items over $5,000, coverage should be arranged through the
University. Please see the Transit Insurance policy summary for further information
and contact the Risk and Insurance Analyst with questions.
What do I do if I am involved in an accident while driving a
Please see Making a Claim for further information.
Do I need to purchase the loss damage waiver (LDW) when renting
The University requires that all rental vehicles have collision and comprehensive coverage. There are three ways this coverage can be obtained:
1) Paying for a rental with the AMEX Corporate card provides collision/comprehensive coverage on the rented vehicle (where the cardholder is the driver).
2) Purchasing insurance directly from the renting agency.
3) Arranging coverage directly with the Risk & Insurance Analyst.
What authorization procedures should be followed for employees
to operate University
The University’s vehicle fleet insurance policy allows any authorized employee
to operate a University owned or business leased / rented vehicle. Any requirements
imposed by the rental or lease agreement must be strictly adhered to, for example,
minimum age limit, category of license or naming all operators.
If I use my personal vehicle for University business, do I need
to notify my broker or insurance company?
Yes. If you are using your vehicle for University business, your vehicle needs to be "rated" for business use. If you don't do this the insurance company may say that you have misrepresented the use of the vehicle and decline coverage in the event of a claim.
Can a personal vehicle be used to transport students and employees?
Yes, but when a personal vehicle is used to transport students
or employees, the insurance on that vehicle is by law the primary
coverage in the event of
an accident, and the University’s insurance becomes excess coverage in
case of a loss.
If you are an instructor or staff member and use your own vehicle for University
purposes (e.g. transporting students on a field trip), you are only covered
by the University's automobile insurance policy excess of your own policy limit.
In case of an accident, the policy covering the specific vehicle is primary
and would respond first until this coverage is exhausted.
Faculty and staff are encouraged to inform their personal automobile insurance
company if using their own vehicle for business purposes.
Does the University's auto insurance program respond to loss
or damage involving a personal vehicle driven for University
The owner of the vehicle's insurance responds to the loss or
damage. The mileage reimbursement rate includes an insurance
Can contracts be sent to Risk
Management and Insurance Department for review?
Typically Risk Management and Insurance reviews contracts from
an insurance and indemnity perspective. If you contract contains
either of these clauses
please call the Risk & Insurance Analyst.
How do I obtain a certificate of insurance?
Please fill out the Certificates of Insurance form which will
automatically be sent on to our insurer for approval.
What should I do if I am renting out University premises to a
Prior to agreeing to rent out University facilities, the individual
or group renting the facilities should have an insurance policy
in place and provide
a liability certificate (certificate of insurance coverage) with UVic named
as an additional insured. In the event of a loss, the renting party's policy
will be considered primary and UVic policy secondary. This will protect the
interests of the University. Specific limits, terms and conditions should be
verified by the Risk & Insurance Analyst.
What are the concerns when I am taking students on field trips?
LIABILITY - When you take students off campus for a field trip
for a regular academic course, they are automatically covered
by the University of Victoria’s
liability insurance policy (i.e. any damage they do to the property/people
you are going to visit). Please see the Liability Insurance policy summary for further information.
If any of the Property Owners you are visiting would like proof
of this coverage, please complete the Certificate of Insurance (online form).
WAIVERS - If this is for a regular academic course (within Canada) then the
University does not ask students to sign waivers. If there
are specific dangers or hazards
in the area which they are visiting, Risk Management and Insurance can
give you an Informed Consent that outlines some of the
dangers and hazards so
that the students are aware of them.
As an employee what insurance is available to me when I
travel on University Business?
Workers' Compensation Board - University faculty and
staff who are injured while performing University business
away from their normal place of
work may be eligible for BC Workers' Compensation benefits. Inquiries
coverage for specific situations should be made to Occupational Health and Safety.
Health Insurance - University faculty and staff covered
by the Basic Medical Services Plan and by UVic's Group
Extended Health Benefit Plan
insured for out of province hospitalization and physician costs.
For details please
refer to the appropriate Benefits Information Handbook, or contact
the Benefits Coordinator in Human Resources.
Group Life Insurance - Basic Group Life Insurance, Optional
Life Insurance and Accidental Death and Dismemberment
insurance are included
benefit package for eligible faculty and staff. For further details
to the appropriate Benefits Information Handbook, or contact the
in Human Resources.
Travel Accident Insurance - The University provides
group accident insurance coverage up to $100,000
in the event of accidental death
within 365 days of, and as a result of, an accident occurring
while traveling on approved
University business. (Excludes everyday travel to and from work.)
Please see Travel Accident policy summary for more information.
American Express Corporate Card Insurance Coverage -
There is $300,000 coverage on the cardholder when public
tickets are purchased with the American Express Corporate Card.