Insurance

The Inter-University Council Insurance Consortium (IUC-IC) was formed in 1998 by a majority of Ohio's public colleges and universities in order to realize benefits from the group purchase of property and liability insurance. Through collaboration and cooperation, participating in a pooled insurance arrangement allows the institutions to reduce the impact of underwriting, pricing, servicing, and coverage limitations. 

 

IUC-IC COVERAGE

The following is a brief summary of the IUC-IC coverage. The summary is not intended to provide limits, deductibles or premium information.

Provides damage protection for university owned, leased, loaned, or rented vehicles.

Provides bodily injury and property damage protection for claims arising from the operation of university vehicles. It also provides excess liability coverage for employees using personal vehicles for university business.

Provides protection against employee theft, forgery/alteration, robbery, computer fraud, etc.

Provide protection against privacy and network security liability, extortion, property loss, and loss of revenue from a cyber breach. Also, provides assistance with defense and fines, as well as breach response

Provides protection for legal defense costs and settlement amounts/expenses for liability claims made for actual or alleged errors, misstatements, acts, omissions, etc.

Provides protection against general liability exposures outside the United States.

Provides protection subject to varying terms, conditions and limits for bodily injury and property damage, personal injury liability, advertising injury liability and medical expenses.

Provides protection to employees  for acts or omissions within the course and scope of their duties related to the conduct of university business. Students participating in university-sponsored internships and practicums are also covered.

Provides protection subject to varying terms, conditions and limits for bodily injury, property damage, and medical expenses associated with non-owned aircraft.

Provides protection for the physical loss or damage to property in which the University has an insurable interest and the cause of which is the result of an insured peril.



Provides protection for hijacking, wrongful detention, and kidnaped ransom/extortion.

 

Student Internships and Practicums

Students participating in university-sponsored internship and practicum programs are covered under the University’s General Liability policy, and Healthcare Professional Liability policy for those in Allied Health professions, while operating within the scope of their professional and educational duties.

The General Liability policy evidences $5,000,000 in coverage for each occurrence, with a $5,000,000 annual aggregate.

The Healthcare Professional Liability policy provides $1,000,000 in coverage for each medical incident per member, with a $3,000,000 aggregate per member, per year. Claims made exclusively against a student or students carry a $0 deductible.

Students are also covered for $5,000,000 each incident in Automobile Liability coverage. This is primary coverage when driving a university-owned vehicle. This coverage is secondary to the owner’s coverage when driving a vehicle owned by the training facility. When driving a personal vehicle for work or educational duties, the personal insurance of the vehicle owner is primary.

This coverage is in effect for all students participating in a university-sponsored internship or practicum any time throughout the academic program, as defined through written agreement, and coverage is not limited only to the internship/practicum course semester.      

Many clinical training facilities require evidence of coverage before students can enter for training. Certificates of Insurance can be provided by the Risk Management department.

For any questions regarding insurance coverage, or to request a Certificate of Insurance, contact the Risk Management department at riskmgmt@bgsu.edu or 419.372.2127.

 

Certificates of Insurance

A Certificate of Insurance (COI) is a standard document used to demonstrate proof of insurance coverage. The Certificate provides verification of the insurance and usually contains information on types and limits of coverage, the name of the insured party, the name of the insurance company, the insurance policy number, and the effective periods of the insurance. A certificate provides proof that a party can satisfy financial obligations assumed under a contract.  

Obtain a Certificate

The insurance information provided below is derived from a review of applicable rules and laws associated with the university and state agencies. The information is also based on the insurance coverages currently carried by the university.

Bowling Green State University (BGSU) has discontinued providing paper certificates, as the contract and Ohio law guides insurance coverage A third party is considered an Additional Insured on the General Liability and Property policies when such an obligation exists in a written contract, per blanket endorsement in our policies.

Third parties who contract with BGSU may access the following Certificates of Insurance:

In the event the above proof of insurance will not suffice, an individual COI will only be issued when all of the following conditions are met:

    1.     There is a written agreement or contract between the university and a third party;

    2.     The contract requests a certificate; and

    3.     The contract is signed by the appropriate personnel at the university.

Questions regarding coverage should be directed to Stephanie Sickler, Risk Manager, at ssickle@bgsu.edu.

 

Bowling Green State University is committed to the prompt reporting of potential insurance claims. The Risk Management department is responsible for notification to insurers or their representatives following a loss. Reporting by university departments who have experienced a loss is required to the Risk Management department as soon as possible following an accident or loss per the guidelines below.  

BGSU has partnered with our insurance broker to offer various options for those who might need to purchase insurance. Students Organizations may need to purchase liability insurance for a specific event, or may need to purchase a policy in order to rent equipment or an off-site facility. Vendors required to provide proof of insurance before working on campus may also utilize this service.  

CampusConnexions offers Student Special Event Liability Insurance, Vendor Liability Insurance, and Renters Insurance among other types of policies. Visit CampusConnexions for additional information and to receive a quote and purchase a policy.