Insurance / Claims

In general, insurance is a way to transfer risk.  As an example, you purchase car insurance, which in the event of an accident would cover any cost above and beyond your deductible.  It works similarly for the university.  UC participates in the Inter-University Insurance Consortium (IUC-IC).  The IUC-IC coordinates the purchase of property and liability insurance for Ohio's four year public universities and freestanding medical colleges. UC also independently maintains various other lines of insurance coverage, a few of which are detailed in the tabs below. Just click Ask a Risk Manager button if you have any questions.

The image depicts McMicken Hall, one of many buildings covered under UC's property insurance program managed by ERM.
The image depicts NightRide, one of many fleet vehicles covered under UC's auto insurance program managed by ERM.
The image depicts a computer, representing UC's cyber insurance program managed by ERM.
The image depicts UC's power plant, covered under several insurance policies managed by ERM.

What is covered?

Direct physical loss or damage to all real and university personal property in which the university has an insurable interest and that is not otherwise excluded.  Examples of covered losses would include theft of university owned property, fire, wind, lightening, hail, flood, or explosion.  This insurance provides for replacement with items of "like, kind and quality." The goal is to provide equipment replacements that would return function to the same state as prior to the loss.  If the replacement equipment is to be upgraded beyond the current equivalent level equipment, then the difference in cost would be born by the department.

What is not covered?

While the University recognizes its responsibility to provide an environment that is as safe and secure as possible for students, faculty, staff and patrons, it cannot accept responsibility for loss of personal property and has no obligation to provide insurance for such property.  Personal property would include, but is not limited to, personal vehicles, wallets, purses, artwork, decorations, cell phones, computer tablets, books, periodicals and other materials whether or not they are used in conjunction with an individual’s employment or school responsibilities at the University.  Any personal property brought onto the University or into the workplace is done so at the individual’s own risk.

Insurance details:

Deductible (self-insured) $100,000
Departmental portion of deductible $1,000 if claim is filed within 30 days
Departmental portion of deductible - theft of portable items (laptops, tablets, etc.) $2,000 if claim is filed within 30 days

What is covered?

The university maintains liability and collision automobile insurance coverage on all University provided vehicles.  It includes bodily injury and property damage resulting from the ownership, maintenance, use, loading or unloading of a covered UC vehicle.

What is not covered?

The university does not provide collision or comprehensive coverage for privately-owned vehicles.  When using a privately-owned vehicle for university business purposes, the driver is solely responsible for ensuring that the motor vehicle’s insurance coverage provides for insurance when using the vehicle for business purposes.  In case of an accident, the driver is responsible for liability insurance or any deductible.

Who is covered?

Any University of Cincinnati employees, agents, and volunteers, driving at the direction of or on behalf of the University of Cincinnati.

Insurance details:

Deductible (self-insured) $100,000
Departmental portion of deductible $1,000 if claim is filed within 48 hours

 

What is covered?

The university carries general liability insurance which covers third party bodily injury and/or property damage that arises from the maintenance or operation of the university.

Who is covered?

University of Cincinnati and its employees, agents, and volunteers, while acting at the direction of or on behalf of the University of Cincinnati.

Insurance details:

 Self-insured retention  $100,000 per occurrence

 

$25,000
$25,000
  • Arlitt Head Start and Child Development
  • Alumni Association GL, Non-owned Auto, and Commercial Property
  • Executive Non-Owned Aircraft
  • Non-Owned Aircraft Flight School (Clermont)
  • Fidelity (employee dishonesty) Crime
  • Foreign liability
  • Special Accident Term 7/1/13-16
  • ISOS Emergency Travel Assistance Services
  • US Postal Bond
  • Underground Storage Tanks
  • Water works bonds (2)
  • Camp - events coverages
  • Cyber
  • Pollution

This insurance summary is not to be interpreted as a legal document, an insurance policy or a guarantee of coverage by University of Cincinnati insurance programs.  This information is for informational purposes only.  However, it is a summary statement of coverage provided by the University of Cincinnati’s various insurance programs.

Questions about student health insurance, visit:

College of Medicine

Change your student health insurance enrollment status:

One Stop

Quick Links:

Insurance purchase options:

  • Campus Connexions - offers special events, sports and clubs insurance
  • URMIA - offers special event and sports camp insurance
  • GradGuard - offers renters and tuition insurance