The Office of Insurance and Risk protects assets at Virginia Commonwealth University by:
University departments are responsible for identifying and preventing or otherwise mitigating risks and potential future losses. Faculty and staff should report any perceived risks they encounter on campus.
Evacuation and Travel Assistance Services
VCU business travelers are automatically covered for emergency medical*, natural disaster, and security evacuation services under this blanket policy while traveling outside of their home country or country of permanent residence. With the CISI plan, International travelers also have access to a number of non-insurance assistance services. Though not required, travelers are encouraged to enroll their international trip on the CISI website (at no cost) in order to receive updates on emerging conditions specific to their destination. From the CISI website, travelers can also access coverage brochures, print their travel ID card, and download the myCISI app.
* Optional Travel Health Insurance
Emergency medical evacuation coverage is not health insurance. However, VCU business travelers may, at their personal expense, purchase travel health insurance through CISI for their international trip. This plan is offered at a discounted employee rate of $1.55 per day for $500,000 of coverage, with no deductible. While completely optional, it does require individual enrollment and payment before travel and is not a VCU-reimbursable travel expense. Interested travelers are encouraged to review the travel health insurance brochure on the CISI website to understand the coverage benefits and exclusions before making the decision to purchase.
Education Abroad Travelers
Students and faculty participating in an educational program administered by the VCU Global Education Office are enrolled automatically in the CISI plan. All other student travelers will be prompted by GEO to self-enroll. Visit the Global Education Office website for details.
Travelers leasing a vehicle in a foreign country should always purchase the collision damage waiver and supplemental liability coverage offered by the rental car company. These coverages will facilitate claim handling in the event of an accident and are the only optional “coverages” offered by foreign leasing companies that will be reimbursed. The state's auto liability is excess over any valid and collectible primary auto liability insurance provided by a rental car company with a $2,000,000 per claim limit. See the complete Virginia Commonwealth University travel and reimbursement policies and procedures.
For all faculty and staff:
The comprehensive general liability coverage provided under the State Risk Management Plan protects faculty, staff and agents of the university while performing university authorized activities in foreign countries. It covers negligent acts and omissions that result in third-party liability claims for bodily injury and/or property damage. Personal conduct that is clearly outside of the scope of employment or authorization, including criminal acts are, not covered.
For Study Abroad Program Directors concerning Liability Insurance Coverage:
Faculty members who are program directors for study abroad and have complied with all of the VCU Office of Education Abroad, Global Education requirements for such programs are afforded the same liability coverage in a foreign country as they would have on campus. Faculty members are covered by the liability plan administered by the state Division of Risk Management for acts arising within the scope of their employment (meaning those acts undertaken as part of their jobs in furtherance of the educational objectives of the university, as opposed to their strictly personal conduct). Acts outside the scope of employment, or criminal in nature, are not covered.
General liability coverage is meant to protect against omissions or acts of negligence for which Virginia Commonwealth University or its employees and agents may be legally liable to pay due to bodily injury, personal injury or property damage to a third party.
The policy covers VCU, its board, officers, employees, students (under certain circumstances) and agents while they are acting within the scope of their employment or authorized assigned duties under the direction of VCU, whether on or off campus.
Coverage may not be provided to employees, students or agents of VCU if it is determined that liability was incurred by reason of:
An employee or agent of VCU who does not report an incident or otherwise does not cooperate in the defense of a claim also may not be covered or defended by the state.
Note: All incidents that may lead to a liability claim should be reported on-line using the Incident Entry Portal. In the event of a serious incident, contact Insurance and Risk Management directly at (804) 828-4989 or (804) 828-7531.
Follow the steps below to report a claim:
You should make no statement as to liability or who is at fault.
Property coverage is provided through the State Risk Management Plan and administered by the Division of Risk Management.
The plan covers the following:
Personal belongings of employees and students that are lost, damaged or stolen while on VCU property are not covered by the plan, unless the personal property is damaged through the university’s negligence. To insure your personal property while at VCU, consider homeowners or renters insurance, as appropriate.
Follow these steps to report a loss:
The state Division of Risk Management provides property insurance coverage through a plan comprising self-insurance and commercial insurance. The plan covers:
Coverage applies anywhere in the world, with the exception of certain high-risk countries.
The deductible for insurance coverage is $25,000 per occurrence. The department that incurs the loss is responsible for the deductible. After all work related to the loss is completed and fully documented — including proof of vendor payment — Insurance and Risk Management will submit a request for payment to the Division of Risk Management. At that time, the office may reduce the department’s deductible to $5,000, if funding is available.
The deductible for a fine arts loss is $1,000, which is the responsibility of the department that incurs the loss.
Automobile liability, collision and comprehensive coverages are provided through the state’s self-insured Risk Management Plan. Coverage applies to both state-owned vehicles and commercially leased vehicles when they are used for authorized business purposes. Executive Order 89 requires that state-owned vehicles be used strictly for official business.
Liability coverage is extended to the operator of a state-owned vehicle whose negligence results in bodily injury or property damage to a third party.
VCU, its board members, officers, employees, students and agents are covered under the insurance plan while operating a state-owned or rental vehicle, provided they are acting within the scope of their employment, authorization or assigned duties.
The limit of liability for individuals operating a state vehicle on Virginia Commonwealth University business is $2 million per claim.
The state’s collision and comprehensive insurance plans are limited to the actual cash value of the damaged state vehicle. Comprehensive coverage includes loss from glass breakage, fire, theft and vandalism. The department that owns, rents or leases the vehicle is responsible for the $1,000 deductible.
Personal vehicles are not covered by the plan, even if used by employees or students who are driving within the scope of their employment or assigned duties. In the event of an accident, the state’s Division of Risk Management may, at its discretion, assume liability for losses that exceed the vehicle owner’s personal policy limits.
Changes to the fleet must be reported to Insurance and Risk so that physical damage and comprehensive coverage can be obtained or discontinued. New vehicles may not be driven until coverage is confirmed by Insurance and Risk Management. To report a new vehicle or report the sale or surplus of a vehicle, call (804) 827-0359 or (804) 828-4989.
Drivers must be familiar with the Vehicle Accident Prevention and Safety Policy.
Drivers are responsible for reporting any accident to law enforcement, their supervisor and the office of Insurance and Risk Management. The operator must also cooperate fully in the investigation and the defense of any claim or related suit. Failure to report an accident or cooperate may result in a denial of coverage. Individuals will not be covered for acts of intentional, malicious or wanton misconduct or criminal acts in the use of a vehicle.
Cell phones and other electronic devices must be operated via a hands-free device when driving a state-owned or rented vehicle. Text messaging and emailing by the driver are strictly prohibited while the vehicle is in motion. This policy also applies to vehicles rented for VCU-approved travel.
If you are involved in an accident while operating a state-owned vehicle or a vehicle rented for VCU business, follow these steps:
VCU utilizes separate contracts with Enterprise Leasing Co. and Hertz Car Rental to provide nationwide vehicle rentals through these brands. Both contracts include a damage waiver which covers physical damage to the rental vehicle.
To utilize these contracts and take advantage of this coverage, employees must use contract number 1917452 for a Hertz rental or contract number XZ21184 for Enterprise/National when making a reservation.
Departments that choose to reserve a rental vehicle with a company other than Hertz or Enterprise/ National will be responsible for damages up to the $1,000 deductible under the state’s Lease Care plan in the event of an at-fault accident, or incidental damage to the vehicle during the rental period.
Note: the damage waiver is a reimbursable expense for domestic rentals only when obtained through these contracts or when renting a vehicle in a foreign country. Go to Foreign Travel for more information.
Faculty, staff and students who operate a VCU vehicle on a regular basis are required to demonstrate their understanding of defensive driving principles by completing the university-approved defensive driving course. Driver training requirements are detailed in the Vehicle Accident Prevention and Safety Policy.
In addition to the defensive driver training, anyone wishing to transport passengers in a 12 or 15 passenger van is also required to complete the university-approved van driving safety course and related behind-the-wheel training provided by VCU Police.
Note: New drivers who have an acceptable motor vehicle record and meet all other driver qualifications are permitted to drive on an interim (30 day) basis, during which they must successfully complete the defensive driving course. However, no one is permitted to transport passengers in a 12 or 15 passenger van until all required training (defensive driving, van driving safety, and behind the wheel) is successfully completed.
Drivers will be enrolled in the appropriate courses(s) by their department and will have 30 days from the date they begin a course to complete and pass the post-test with a score of 80 percent or better.
Virginia Commonwealth University employees are covered under the commonwealth of Virginia’s self-funded Risk Management Plan for medical malpractice liability, while participating within the authorized scope of their employment.
Students are also covered while participating in a clinical internship, externship or other educational program in order to meet the requirements of their course of study. This coverage extends to off-campus clinical situations that are authorized by VCU and are part of the student’s educational experience.
Effective July 1, 2017, the limit of insurance for medical malpractice is $2.30 million. This coverage is on an occurrence basis without an aggregate limitation.