Insurance

Trinity University maintains various types of Property and Casualty Insurance coverages, including, but not limited to, Auto Liability, General Liability, Legal Liability, and Property insurance. Timely reporting of accidents and incidents of theft or property damage is important. Please contact the Trinity University Police Department to file an Incident Report immediately or as soon as possible following an incident. Incidents, as well as potential claims, should also be reported to Risk Management and Insurance. Departments will be responsible for the first $300 (deductible) for each claim paid.

Auto Liability Insurance: 

The University maintains commercial automobile liability insurance coverage on University-owned or hired vehicles and physical damage coverage only on hired automobiles (rental cars).  The university does not maintain collision coverage on its fleet; rather, the University self-insures for collision, meaning there is no insurance coverage available for physical damage claims unless caused by a third party driver. In the event of an accident involving a University-owned vehicle or a rental vehicle, the department or office responsible for the travel will be charged a $300 deductible. There is no insurance coverage for theft of personal items from the vehicle. The University does not provide insurance coverage for personal vehicles used by employees, students or volunteers. It is expected that any incidents would be covered under the individual's personal auto insurance policy. Because the University maintains physical damage coverage on hired automobiles (rental cars), the University recommends that when leasing a car, you decline the collision damage and liability waiver, except when leasing in a foreign country. For additional guidelines to follow when leasing an automobile, please refer to the "Guidelines for Entering into Car Rental Contracts."

General Liability Insurance: 

Trinity University maintains general liability coverage that includes personal and advertising injuries, product liability, operations, bodily injury liability including athletic coverage, property damage liability, contractual liability (for oral or written contracts), host liquor law liability, corporal punishment liability, fire legal liability, employee benefit liability, excess coverage for professional health care liability, and watercraft liability.

Property Insurance: 

This coverage includes protection against any type of direct physical loss or damage to university buildings or other property, subject to certain exclusions specified in the policy. This coverage has a $25,000 deductible, which means the University self-insures for all losses less than the deductible amount. The University takes no responsibility for the loss of or damage to personal property of employees or students. It is expected that these items are insured through the individual's home insurance policy. 

Types of Property Covered 

Equipment 

All electronic data processing equipment listed on the fixed asset inventory system is insured against all risks of direct physical loss or damage. This includes software and off-campus equipment being used for official University business. The department or office will be responsible for the first $300 of a loss.

Exhibitions Brought to Campus 

Trinity University maintains coverage against risks of physical loss or damage to property in the care, custody, or control of the University for exhibitions that are brought to the campus. With proper department approval and notification, exhibitions can be insured. Both the exhibitor and the sponsoring department share the responsibility of taking adequate security measures when displaying works of art. The department should advise the exhibitor of any potential risk in displaying works of art in open, unmonitored areas. The department must provide the Director of Risk Management and Insurance with a complete list of the works of art to be exhibited and insured so that they may be added to the university's insurance policy for the time period that they are on loan. The sponsoring department, not the University, will be responsible for any deductibles and uninsured losses.

Arts 

Trinity University maintains coverage on all fine arts articles owned by the University or others that are in the care, custody or control of the University. This coverage provides protection against direct physical loss and for newly acquired property. Coverage extends only to those items listed in the fixed asset inventory system. All items on loan must be on file in the inventory system. It is very important to report the work of art to the Inventory Coordinator, ext. 8251; otherwise, the loss will be uninsured, and the responsible department or office will be assessed for the loss.  

Instruments

Trinity University maintains coverage on all musical instruments owned by the University or others that are in the care, custody or control of the University. This coverage provides protection against direct physical loss. Coverage extends only to those items listed in the fixed asset inventory system. All instruments on loan must be on the inventory system. It is very important to report the musical instruments to the Inventory Coordinator, ext. 8251; otherwise, the loss will be uninsured, and the responsible department or office will be assessed for the loss. The department or office will be responsible for the first $300 of a loss.