Frequently Asked Questions

Claims Expand

  • What do I do if I have a claim?

Enterprise Risk Management handles all claims for the university. For more information or to report, visit auto claims, property claims, or any other incidents.

  • Is this incident/loss covered by insurance?

It depends.  As a starting place, read the information at Insurance / Claims and be sure to report any claims in a timely manner.

  • I was involved in an auto accident, what do I do?

Follow the guidance on Report Auto Accident/Damage and report in a timely manner.

What is ERM Expand

 

Risk is uncertainty, caused by internal and/or external factors with the potential to impact (either positively or negatively) UC’s ability to achieve its Strategic Direction. Enterprise Risk Management is simply a process to deal with that uncertainty, comprised of four (4) major steps:

1. Risk Identification
2. Risk Analysis/Evaluation
3. Risk Treatment
4. Risk Monitoring

Managing risk is part of all activities associated with the university, and affects every department/unit and person. In that way, we consider Everyone a Risk Manager!

WHAT ARE THE BENEFITS OF ERM?

  • ERM prioritizes response and action to the risks that have the most impact on the university and its mission. The mitigation of these risks saves money, time, reputation and lives.
  • ERM is a cyclical process that continuously improves the university’s management of current and emerging risks.
  • ERM engages the entire university and promotes communication across departments.
  • What keeps you up at night? What gets you up in the morning?” ERM helps address these questions and provides peace of mind

Insurance Expand

  • I am completing a grant application, and need to know the university’s insurance limits.

Insurance limits vary by coverage type.  For specifics, visit Insurance/Claims.  

  • I am entering into a contract and need to know if the university’s insurance limits are sufficient.

Enterprise Risk Management has developed an insurance requirements matrix which outlines specific coverage details. 

  • We received an internal charge for insurance premiums in our budget account - what is this for?

Property and casualty insurance are the only two coverages allocated by Enterprise Risk Management.

  • Is this incident/loss covered by insurance?

It depends.  As a starting place, read the information at Insurance / Claims and be sure to report any claims in a timely manner.

Medical Professional Expand

  • I received a subpoena, what should I do with it?

Subpoenas received by faculty physicians or similar providers having to do with your professional treatment of patients, should be forwarded immediately to Enterprise Risk Management.  All others, follow the direction of General Counsel.

  • How do I get a physician of medical practitioner claims history letter?

Complete the Claims History / Proof of Insurance Request and Enterprise Risk Management will respond within 3-5 business days.

  • How do I get proof of my medical professional coverage?

Complete the Claims History / Proof of Insurance Request and Enterprise Risk Management will respond within 3-5 business days.

  • I am a licensed healthcare provider. Do I have professional malpractice insurance coverage?

Our insurance covers licensed medical professionals acting within the scope of their clinical program assignment at a covered entity.  For more information, visit Medical Professional.

Students Expand

  • Are students covered by UC insurance?

In general, students are not covered by UC’s insurance unless the student is a student employee, is serving in a supervised internship program in the satisfaction of course requirements, acting at the direction of the university, or performing services primarily for, or on behalf of, UC.

  • Who do I go to for student health insurance questions?

Although Enterprise Risk Management manages the university’s property & casualty insurance portfolio, we do not handle personal benefits.  Student health insurance is handled by University Health Services.  

  • Are student organizations covered by UC insurance?

As a general rule, members of student organizations are not covered under the University's various lines of insurance coverage for the activities they participate in, but there may be a few exceptions.  For more information, visit Student Organizations.

  • Where can student organizations get insurance coverage?

Insurance can be purchased through Campus Connexions or URMIA.

Question not addressed?

Ask A Risk Manager