Risk Management

Risk Management
How do I obtain a certificate of insurance?

Contact Risk Management Services at (734) 764-2200.

Risk Management
Will Risk Management provide loss prevention recommendations?

Yes, contact Risk Management Services at (734) 764-2200. We will be happy to work with you and coordinate the services of experts to help formulate effective loss prevention plans.

Risk Management
How do I obtain loss information for my department?

Contact Risk Management Services at (734) 764-2200.

Risk Management
How does the university provide me with insurance coverage for allegations of wrongful acts related to my work?

You are insured for claims made against you personally for any loss or damage resulting from your university sponsored activities, except for any loss or damage resulting from any willful misconduct or illegal activities. Coverage provides for payment of all costs, including defense costs, for which covered persons or departments become legally obligated to pay.

Anyone covered by university insurance is required to cooperate fully with all aspects of the defense of the claim.

In some cases, persons covered by the university’s insurance program must receive approval of indemnification from the Provost or Executive Vice President and Chief Financial Officer. Refer to Defense and Indemnification SPG 601.09: www.spg.umich.edu.

Risk Management
Are volunteers covered for allegations of negligence or wrongful acts?

The university’s insurance provides liability coverage for volunteers while performing authorized services on behalf of the university, except for any loss or damage resulting from any willful misconduct or illegal activities. Coverage provides for payment of all costs, including defense costs, for which covered persons or departments become legally obligated to pay.

Anyone covered by university insurance is required to cooperate fully with all aspects of the defense of the claim.

In some cases, persons covered by the university’s insurance program must receive approval of indemnification from the Provost or Executive Vice President and Chief Financial Officer. Refer to Defense and Indemnification SPG 601.09: www.spg.umich.edu.

Risk Management
Is personal property covered?

Generally speaking, the university’s coverage does not extend to personal property. Some exceptions apply if property is being used at the request of, or to benefit, the university. Call Risk Management Services for more information.

Risk Management
Do I need to purchase insurance to cover property in transit?

No, the University’s property insurance program covers university owned property in transit.

Risk Management
Do I need to obtain the collision damage waiver insurance when renting a vehicle?

No, you should:

  • Use the University’s designated car rental company. If that is not an option;
  • Use the University P-Card to rent the vehicle. If that is not an option;
  • The University’s self-insurance program will respond to a loss.
Risk Management
Does the University’s auto insurance program cover loss or damage to a personal vehicle driven for University business?

The owner of the vehicle's insurance responds to the loss or damage. Insurance costs are included in the per-mile reimbursement rate and are not reimbursable as a separate expense.

Pursuant to SPG 507.10-1, the University does not assume liability for damage to personal vehicles used on University business and does not assume liability for deductibles or any other uninsured loss to the vehicle.  Liability insurance protection will be provided as additional coverage only after the private owner’s personal liability insurance limits are exhausted when the vehicle is used for business purposes.

Cost of repairs to a vehicle, whether or not they result from the traveler’s actions, are not reimbursable.

Risk Management
Should all contracts be sent to Risk Management Services for review?

Risk Management Services will be happy to provide assistance upon request. Typically Risk Management Services reviews contracts received from the Office of General Counsel or Procurement.

Risk Management
Are insurance premiums recharged to university departments?

Yes, charges are made to major units and each of these units determines how the costs will be charged within their areas.  Not every department will be recharged. For example, recharges to departments within the General Fund-Ann Arbor are charged to one chartfield combination. Flint, Dearborn and the Hospital receive one recharge for all the units within each.