The role of risk management is to protect and conserve the human, property and financial resources of the University of Nebraska at Kearney. To this end the University uses a variety of methods to manage risk, including self insurance and commercial insurance. 重要的是,所有教职员工都要了解他们在风险管理计划中的明确责任,以保护和保存大学的资产. Risk Management is responsible for coordinating various plans covering the property, students, and personnel across campus. During the process of obtaining and renewing the coverage, Business Services will contact and work with various offices or departments to obtain information necessary to ensure proper coverage. Once coverage is obtained, in some instances, a department(s) may be responsible for the day-to-day administration of the plan. The following is a list of the insurance plans and who is responsible for the day to day activities once the plan is implemented.
UNIVERSITY INSURANCE PLANS
Insurance Plan
Responsible Department
Cyber Liability and Breach
University of Nebraska ITS
General Liability
Business Services
Property
Business Services
Vehicle (Physical Damage)
Business Services
Vehicle (Liability)
University Fleet Management
Student Athletes
Athletics
Student Health
Student Health & Counseling
Student Domestic Travel
Business Services
Student International Travel
International Education
Employee International Travel
Business Services
Workers’ Compensation
Facilities/Human Resources
Aviation/Drones
Business Services
Medical Malpractice
Business Services
Daycare
Business Services
The information on this site is intended to summarize the University of Nebraska at Kearney’s risk management resources. Every effort has been made to ensure this information is accurate; however, 它不打算取代任何包含有关大学保险计划完整信息的保险计划文件. In the case of any discrepancy between this site and the University’s insurance program documents, the University’s insurance program documents will govern.
Cyber Liability and Breach
University of Nebraska Information Technology Services implements policies, reviews, 指导方针和计划,以创造一个安全可靠的环境,最大限度地降低风险,使大学社区能够履行其必要的职责. In addition, 大学提供违规响应和网络责任保险,以协助所有大学校园的特定事件和损失.
大学彻底审查第三方技术供应商的安全实践和保险范围,以减轻与任何大学计划或倡议相关的特定风险. These vendors must provide technology/professional liability insurance including coverage for cyber liability. 此要求的例外情况由商业服务和内布拉斯加大学信息技术服务部门根据具体情况进行评估.
General Liability
学校有一个自我保险的综合责任计划,为因学校的疏忽行为而对学校造成的身体伤害和财产损失索赔提供保险.
External groups, including all contracted service providers, are not covered by the University’s general liability program and must provide proof of general liability insurance coverage (i.e., (一份保险证明)涵盖适用的事件/服务,并指定内布拉斯加大学校董会作为额外的被保险人,并证明保险范围不低于1美元,000,000 combined single limit and $3,000,000 general aggregate for bodily and personal injury and property damage. Additional insurance may be required and will be communicated to the department by Business Services. Exceptions to these requirements are evaluated by Business Services on a case-by-case basis.
Unless otherwise excepted, property owned by the University is covered under a blanket property program that provides coverage at a replacement cost value. On any property loss, the department will be responsible for paying a deductible. Property losses should be reported to Business Services immediately following the incident. Business Services will review and administer property losses and work with the property insurance carrier, as appropriate.
Coverage does not extend to personal property of faculty, staff, or students. Limited exceptions may apply if property is being used at the request of, or to benefit of, the University. The University’s property insurance program also generally covers University-owned property in transit, including but not limited to research equipment, electronics, and UTVs.
The University has liability coverage on University vehicles used for business. For department-owned vehicles, there is an option to purchase full physical damage coverage for that vehicle with an extra charge to the department. The physical damage coverage deductible is the responsibility of the applicable department in the case of a claim.
Personal Vehicles
员工在办理学校业务时使用个人车辆,将其个人汽车保险作为主要保险, and the University insurance plan may provide secondary coverage (excess over the primary coverage). Generally, in the event of an accident while conducting University business with a personal vehicle, the University’s insurance would cover any deductible under the personal auto insurance, assuming the employee’s actions were not negligent.
Rental Vehicles
以大学名义租赁的用于大学业务的车辆一般都在大学责任保险范围内. Notwithstanding, as a University-contracted provider, Enterprise provides a full collision damage waiver and liability insurance. When renting a vehicle using Enterprise, 企业保险为主要保险,大学保险为次要保险(超出主要保险部分). Whenever possible, rental vehicles should be obtained pursuant to the University’s contract with Enterprise.
A student health plan is available for students who are enrolled in six or more credit hours in a degree seeking program. Graduate students are eligible if registered for at least one credit hour in a degree seeking program. More information concerning the plans and how to enroll can be found at the Student Health website.
Domestic Travel
学生旅行保险是由大学为代表大学旅行的学生提供的,所有学生在科尔尼市范围以外的旅行都需要保险, Nebraska. 该保险为学生在发生意外事故时提供额外的保险,学生的个人保险作为主要保险. A Student Travel Insurance Form must be completed prior to departure in order for coverage to be in place for the students. All completed forms will be submitted to Business Services electronically with no requirement for physical copies.
A student international health plan is required for students traveling abroad. This insurance is paid for by the student and is not included in the tuition or fees related to the Study Abroad or research program. More information concerning the plan can be found at the Study Abroad website.
Athletes
Student-athletes are required to carry primary health insurance with a deductible of $2,500 or less that will cover both “emergency” and “non-emergency” intercollegiate athletic injuries in the state of Nebraska. Temporary policies are not permitted. Student-athletes will not be allowed to participate in countable athletic-related activities (e.g., practices or contests) until proof of insurance is provided and all other required information has been completed. Student-athletes without primary health insurance will be directed to Student Health or a local insurance company to purchase health insurance. Medicaid/Medicare/Kaiser (and most other HMOs) are not appropriate primary coverage. Student-athletes purchasing their own insurance will have their policies monitored by the University on a regular basis. If the policy is allowed to lapse or discontinue, the student-athlete will not be allowed to participate in countable athletic-related activities until a new policy is put in place.
The University provides secondary health insurance coverage to student-athletes. 这项政策一般包括由运动损伤引起的医疗费用,超出任何其他可用的意外/健康保险,只要遵守了规定的政策和程序. The University will generally cover expenses after the student-athlete has met all primary health insurance deductibles and co-payments. 如果学生运动员在参加体育项目期间曾接受过大学运动医学工作人员的治疗,那么在学生运动员的体育活动结束后的六(6)个月,该覆盖将继续进行.
The University policy has limits and may not pay all charges in full. 该大学建立了一个医生和设施网络,为所有参加校际体育运动的学生运动员提供医疗服务. All services (e.g., second opinions, physical therapy services, diagnostic testing, etc.)以外的大学医生网络,必须在服务日期之前得到大学运动医学工作人员的书面批准,方可考虑付款. Without written approval, all medical charges incurred will be the responsibility of the student-athlete.
The University’s general and automobile liability insurance programs provide coverage for liability claims (including alleged errors, omissions, or neglect) involving students in training, 在代表或代表大学或在大学的教学或培训中为他人提供服务时. Requests for proof of this insurance for external sites can be sent to Business Services through the following link:
Registered Student Organizations and their individual members are not covered by the University’s liability insurance. 这些组织将需要为其组织及其成员进行的风险较高的事件和活动获得额外的保险.
Employees are required to complete the First Report of Occupational Injury or Illness form within 24 hours of the occurrence. This is a legal document which will be filed with the Nebraska Workers’ Compensation Court. Facilities employees should contact Betsy Warren and all other employees should contact Meredith DeHaven.
Liability
The University’s general and automobile liability insurance programs provide coverage for liability claims (including alleged errors, omissions, or neglect) involving employees of the University who are acting within the scope of their employment.
Medical Malpractice
The University provides medical malpractice insurance to certain advanced practice providers at no cost to the employee or department. Business Services must be notified in order to have coverage under this policy. Requests for proof of this insurance can be requested through Business Services as well.
International Travel
The University provides international travel insurance to all full-time employees at no cost to the employee or department. These employees are automatically covered by this policy when they travel outside of the United States on University business. While registration is not required, reviewing the University of Nebraska resources page, the University Welcome Kit, or the FAQs prior to the trip is encouraged.
Professional Liability/Medical Malpractice/International Travel Michael Christen 308-865-8448 christenmt2@piebroscafe.com
Aviation
The University’s aviation program is provided in partnership with Nebraska Flight School. While insurance is in place for this program with both the University and Nebraska Flight School, additional insurance requirements of students may be required. Students should contact the Aviation Program for additional information.
Drones (Unmanned Aircraft Systems)
根据国家运输安全委员会的规定,无人驾驶飞机系统(“无人机”)被视为飞机,必须遵守联邦航空管理局的规章制度. With advances in technology, new opportunities continue to arise for the use of drones as a tool for education, marketing, research and outreach. The University provides insurance coverage for the use of drones for University business purposes. In addition, the University has Unmanned Aerial Vehicle/Systems policies and procedures in place to regulate and reduce the risk associated with the use of drones.
所有大学员工和部门必须在使用无人机之前向商业服务部门注册,以确保获得适当的覆盖和批准. Non-employees wanting to fly a drone in, 根据联邦航空管理局和大学的规定,在大学设施和财产的上方或附近,必须联系商务服务部门以获得所需的批准, regulations, and policies.
大学为所有与大学疏忽有关的事故提供意外保险,这些事故涉及普朗贝克幼儿教育中心的运营. Claims are reviewed and processed by a contracted third-party insurance company. All claims must be reported to Business Services immediately following the incident.