Trinity University maintains various types of property and casualty insurance coverages, including (but not limited to):
- auto liability insurance
- general liability insurance
- legal liability insurance
- property insurance
Time is of the Essence
Following any accident or incident of theft or property damage, file an Incident Report with the Trinity University Police Department as soon as possible.
In addition, make sure to report all incidents (as well as potential claims) to the Office of Risk Management and Insurance. Departments will be responsible for the first $300 (deductible) of each claim paid.
Auto Liability Insurance
The University maintains commercial automobile liability insurance coverage on University-owned and hired vehicles (rental cars). However, it only maintains physical damage coverage on the latter group.
Rental Vehicle Collision and Liability
Since Trinity maintains physical damage coverage on hired vehicles, the University recommends that you decline the collision damage and liability waiver when leasing a car (except while abroad). For additional guidelines to follow when leasing an automobile, refer to the Guidelines for Entering into Car Rental Contracts.
University-Owned Vehicle Collision and Liability
Instead of maintaining collision coverage on its own fleet, the University self-insures for collisions. 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 or hired vehicle, the department or office responsible for the travel must pay a $300 deductible.
Cases without Coverage
The University does not provide insurance coverage for personal vehicles used by employees, students, or volunteers. It expects the individual's personal auto insurance policy to cover any incidents.
Additionally, there is no insurance coverage against theft of personal items from vehicles.
General Liability Insurance
Trinity University maintains general liability coverage that includes:
- personal and advertising injuries
- product liability
- 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
- watercraft liability
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 $100,000 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.
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 used for official University business.
The responsible department or office using the equipment will be required to pay the first $300 of a loss.
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 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.
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 as well as protection for newly acquired property.
Coverage extends only to those items listed in the fixed asset inventory system. Note that all items on loan must be on file in the inventory system.
It is imperative to report works of art to the Inventory Coordinator (ext. 8251). Otherwise, any loss will be uninsured, and the assessment for the loss will fall on the responsible department or office.
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. It is imperative to report all musical instruments (including those on loan) to the Inventory Coordinator (ext. 8251). Otherwise, any loss will be uninsured, and the assessment for the loss will fall on the responsible department or office.
The responsible department or office will be required to pay the first $300 of a loss.