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Miscellaneous Insurance Coverages

Aircraft Non-Owned

If you pilot a personal or a rented aircraft, you should be aware of the University's policy for using this mode of transportation when conducting University business. The employee piloting an aircraft — while permitted with authorization — is not a recommended mode of travel.
However, if you find it necessary to travel by private airplane, here's what you need to do:

  • Get approval. You must have approval from your dean/vice provost or director.
  • File a Certificate of Liability Insurance. At least 10 business days before taking off, you MUST file with the UM Office of Risk & Insurance Management a certificate of aviation liability insurance showing the Curators of the University of Missouri as an additional insured with minimum limits of $2,000,000 per person, per occurrence and property damage.
  • Get insurance. Because the university will not be responsible for damage to the aircraft, it is recommended that you arrange for physical damage (hull coverage) insurance in all cases.

The Business Policy Manual addresses this mode of transportation in Section 504. For questions regarding this policy, please contact Risk & Insurance Management.

Athletic Accident Insurance

This coverage provides for medical and dental payments for injuries that may be incurred by intercollegiate varsity athletes while practicing for or participating in an intercollegiate event. Coverage includes travel to and from the event. Covered events include authorized and supervised practice sessions as well as the actual intercollegiate events.

  • Deductibles: Deductibles vary by campus.
  • Reporting Claims: All claims should be reported to the following:
    NAHGA Claim Services
    P.O. Box 189
    Bridgton, Maine 04009-0189
    Toll-free: 800-952-4320
    Fax: 207-647-4569
Camps and Clinics Accidents

This is an accident-only excess policy over any other available coverage. However, the first $200 of medical/dental benefits will be paid by this policy without contribution from other available insurance coverages. This coverage provides medical payments for participants in events sponsored by the University that are registered with the insurer when the event of injury or sickness occurs during the course of the camp or clinic.

The current policy limits are:

  • Accidental Death & Dismemberment: $5,000. A $10,000 benefit applies for loss of both hands, feet or sight of both eyes.
  • Dental: $500
  • Injury: $2,500
  • Sickness: $750

The minimum "per camp/clinic" premium is $40, subject to change. You will need to contact your campus coordinator or Risk and Insurance Management to request coverage and find out the current rates.

  • Reporting Claims: All claims should be reported directly to the insurance company. Please request claim forms from the Office of Risk & Insurance Management.
Child Day Care Center Accidental Medical

Provides primary accident medical coverage for children in participating University of Missouri child day care centers. The accidental death and dismemberment benefit is $25,000, and the accident medical limit is $30,000.

Club Sports

The plans cover injuries that occur during play or practice of a Club Sports game, contest or match. Participants are covered while traveling as defined in the applicable Basic and/or Catastrophic policy.

  • Basic Accident Medical Insurance Plan Highlights
    • A Medical/Dental benefit of $30,000 per person per covered accidental injury. Benefits are payable for covered expenses which exceed the deductible and/or for expenses not recoverable from any other insurance policy, service contractor worker's compensation coverage. Benefits are payable for expenses incurred within TWO years from the date of injury.
  • Catastrophic Injury Insurance Plan Highlights
    • Lifetime Medical, Dental and Rehabilitation Benefits with a MAXIMUM of $5,000,000. Monthly Benefits payable if Totally or Partially Disabled. A Covered Accident Deductible (as selected by school), for medical, dental or rehabilitation expenses which must be incurred within TWO years from the date of injury. $10,000 Accidental Death & Dismemberment Benefit. Benefits are payable for covered expenses which exceed the deductible and/or for expenses not recoverable from any other valid and collectible insurance or similar benefit program. Additional Benefits for Total Disability.
Fidelity/Crime Insurance

This coverage provides primary coverage for loss of University money and securities including: public employee dishonesty; forgery or alteration; theft, disappearance and destruction; robbery and safe burglary; computer fraud; money order & counterfeit paper currency and credit card forgery.

  • Deductibles: $50,000 deductible; $100 deductible for money order and credit card forgery.
  • Reporting Claims: Claims are to be made by completing the Disappearance of Assets and Money, Form UM-155. These reports must be typed and submitted to the appropriate campus contact within 48 hours after notice of the incident.
Notary Bonds

There is a National Association of Notaries that offers a bonding program. For details, call 800-US NOTARY. The employee pays the premium and gets reimbursed by his or her department. Employees should not purchase the professional liability coverage.

Student Accident and Sickness

The University provides access to a voluntary student group accident and sickness program. The program is available to any registered student of the University and offers spouse and dependent coverage for additional premiums. You can obtain further information by visiting http://www.aetnastudenthealth.com and entering Missouri in the school name search to get the plan details for your campus.

  • Reporting Claims: Claims should be filed with Aetna Student Health. Please refer to the Web site or call customer service at 877-375-7905.
Student Travel Accident and Life Insurance

Provides primary coverage against loss of life, dismemberment and medical expense due to accidents incurred or resulting from any trip off campus as required by the student's regular curriculum or sponsored by a University recognized and approved student organization. This coverage does not include a sickness benefit. The life principle sum is $5,000. The maximum per-student medical expense is $1,000

Experiential (GL) for Students

The university does not usually provide general liability coverage for students. This coverage is available for students to purchase if needed for internship placements. All enrolled students participating in internships that require liability insurance are eligible to apply for coverage. The program will protect students against general liability claims at their clinical sites. All students must be current for the entire academic year.

Policy details:

  • Liability coverage for students enrolled in courses offering off-campus internships or other work experience where there are agreements with the University and the cooperating employer, subject to carrier review
  • Limits of $1 million per covered student with a $3 million annual aggregate limit for all covered students
  • Proof of insurance can be provided to meet cooperating employer requirements

To apply for coverage, please contact your campus representative.

International Travel

We have secured services for authorized international business travel. There is no cost for these faculty/staff international business travel resources. Please use this letter as proof of coverage for visa applications that require proof of evacuation and repatriation coverage. The U.S. Department of State has a site with country specific information including if a visa is needed for your destination.   Click here for the coverage summary snapshot.

The services are provided by MEDEX and AIG WorldSource and include the following:

  • MEDEX provides 24-hour travel, medical and security-related assistance services to you while traveling Please note this IS NOT medical insurance.
    • Please download the brochure with the full program details and your identification card to take with you during travel (faculty and staff ID card 8/1/2014 – 7/31/2015; or student ID card 8/1/2014 – 7/31/2015). This is an overview of services, for full details refer to the Program Descriptions.
    • The MEDEX Member Center allows you to have complete management of your MEDEX program, including printing MEDEX ID cards, opening a case online, and reading the details of your MEDEX program coverage. In addition to MEDEX program information, the Member Center gives you access to:
      • MEDEX 360°m Global Medical Monitor: complete international health information
      • MEDEX 360°tr Travel Registry: travel and medical record storage
      • World Watch - detailed international security information.
    • Services
      • Real Time Security Intelligence
      • Security Evacuation Services
      • Political Evacuation Services
      • Transportation After Security of Political Evacuation
      • Emergency Medical Evacuation
      • Transportation to Join a Hospitalized Member
      • Repatriation of Mortal Remains
      • Worldwide Medical and Dental Referrals
    • Coverage Territory
      • More than 100 miles away from your permanent residence in your home country or Expatriates without regard to the distance from your Expatriate residence.
  • AIG WorldSource & Assist
  • Travel Assistance
    • AIG WorldSource & Assistant provides toll free and collect telephone numbers for travel related assistance available 24-hours a day, 7 days a week for needs such as:
      • Medical Emergency Services
      • Lost Baggage/Passport
      • Evacuation and Repatriation
      • Legal Assistance
      • Language Interpretation
    • While the Travel Assistance Program provides assistance in securing Medical Emergency Services, it does not provide payment for these services. Health care providers in some countries expect payment in advance before admitting or treating patients - even if your health insurance provides coverage in foreign countries. It's strongly recommended that all travelers plan for financial emergencies by carrying a credit card and/or information on whom should be contacted in the event it is necessary to make financial arrangements to pay for treatment.
    • Coverage Territory: Anywhere in the world, excluding the United States of America, its territories and possessions, Puerto Rico, Canada and any country or territory for which a U.S. governmental embargo, sanction, or ban is in effect.
      • Reporting Claims: If you need assistance during your trip please contact the numbers on your ID cards for initial filing of a claim for services. If you have questions or need assistance in filing a claim please contact Risk & Insurance Management
Venue/Special Event Coverage

Individuals and outside organizations may hold events at University of Missouri facilities provided they:

  • Follow the campus protocol for reserving/space use – Obtain written permission from the facility in charge of the space they wish to use
  • Provide the evidence of insurance (Certificate of Insurance) for the event, minimum General Liability of $1,000,000, other coverages may be required such as liquor liability (see notes below) to the venue manager along with the event name, date and facility to be used.

Prior to the event you must deliver a Certificate of Insurance to the facility/representative in charge of the space. The Certificate should be accompanied by a note listing the name of the event, the date of the event, and the location of the event (since some departments control multiple venues).

If you already have insurance coverage, please have your insurance company send the facility in charge of the space a Certificate of Insurance with the following specifications:

  • You or your company (the facility renter) must be listed as the Insured
  • The Curators of the University of Missouri must be listed as an Additional Insured
  • The Insurer/Producer name and contact information must be on the Certificate
  • The policy start and end date must encompass the entire length of your event
  • The policy must include General Liability coverage of at least $1,000,000; higher limits may be required depending upon the activity.
  • The Certificate of Insurance must provide 30 days’ advance written notice for any modification, change, or cancellation of any component of the insurance coverage.

If a participant from an event wants to file a claim they should contact the Renter/event organizer to file a claim with their carrier. The Campus should complete the University incident form and file as normal. The Campus incident form should be submitted with a copy of the insurance certificate through normal channels.

If you DO NOT have insurance coverage of your own, you may obtain coverage by contacting your agent/broker or via HUB International  to obtain an application and coverage quote.

Organizations/groups needing coverage for an off-campus event may also contact HUB International for an insurance quote for the event. 

To obtain a quote from HUB International:

Submit the application via email or fax directly to HUB International. A quote will then be sent to you, usually within 72 hours of application receipt.

Submission of this application does not guarantee coverage. Completion of these forms confirms your desire to obtain insurance coverage through the Special Event Liability Group Insurance Trust. Coverage will be bound for your requested dates upon receipt and approval of your completed application and payment of premium.

Insurance coverage can only be bound by the Administrator of the Purchasing Group, after review and approval.

After review and approval of your completed application, you will receive a quotation by email, fax or mail (please indicate preference on application). If you accept HUB’s quotation, please make arrangements for your payment to reach their office PRIOR TO THE EVENT DATE. HUB accepts credit cards, cashier's checks and money orders; no personal checks. PLEASE CALL HUB TO PAY BY CREDIT CARD. Upon receipt of your payment, a Certificate of Insurance will be emailed, faxed, or sent to you by mail.

Note: HUB is unable to offer a quote or indication over the phone. Eligibility and premium cannot be determined without the details outlined in the application.

HUB International
2300 Clayton Road, Suite 300
Concord, CA 94520
Phone: 925-609-6500
Fax: 925-609-6550
Email: specialevent@hubinternational.com

HUB Coverage Overview

Insurance Company: Best's Rating: A, XII

Primary Limits:

$1,000,000 Each Occurrence
$1,000,000 Personal & Advertising Injury
$2,000,000 General Aggregate
$2,000,000 Products/Completed Operations Aggregate
$500,000 Damage to Premises Rented to You
$5,000 Medical Payments

$1, 000,000 Liquor Liability Each Occurrence – when full Liquor Liability is purchased

Optional Excess Limits Available: Up to $5,000,000 Each Occurrence & Aggregate

Special Conditions:

  • Limits apply separately for each event.
  • When required by written contract, coverage is primary and any insurance carried by the Additional Insures is excess and not contributing.
  • Bodily injury claims to participants are not excluded
  • Coverage applies only to insured event.
  • Certain events are excluded from coverage –see special event exclusions below
  • Provides 30-day notice of cancellation.
  • Vendors, Exhibitors and Concessionaires at an event can be added as Insureds for an additional premium charge.
  • Excluded:  Terrorism; on behalf of the Risk Purchasing group and each member, the trustee has declined coverage for the Terrorism Risk Insurance Act (TRIA)
  • Excluded:  Sexual Abuse & Molestation

Specific Event Exclusions:

  • Aircraft or Aviation
  • All Terrain Boarding
  • Balloon Rides
  • Base Jumping
  • Bouldering
  • Boxing, Wrestling, Hockey, Contact Karate, or Martial Arts
  • Bungee Jumping
  • Carnival Rides
  • Circuses
  • Concerts over 6 hours
  • Concert or Dance with Mosh Pit
  • Diving
  • Football (except passing camps with no contact drills)
  • Hang Gliding
  • Jousting
  • Kayaking, Rafting or Canoeing in greater than Class 3 rapids
  • Lacrosse and Rugby
  • Mechanical Amusement Rides or Services
  • Motorized Sporting Equipment
  • Mosh Pits
  • Mountain Biking
  • Power Boat Racing
  • Professional Sporting Activities (Games, Racing or Contests of a professional nature)
  • Pyrotechnics and Explosives
  • Rap or Heavy Metal Concerts
  • Raves
  • Rock Climbing
  • Rodeo and/or Roping Events (including practice)
  • Scuba Diving
  • Trampoline

HUB Claim Instructions

If an event participant wants to make a claim from an event covered through the Special Event Liability Group Insurance Trust, refer them to the event organizer to file the claim.

Campus incident form should be submitted and the Renter completes the HUB claim form:

A completed "Report of Injury or Loss" notice. Please obtain information contained in the attached form and mail or fax to HUB International, 2300 Clayton Road, Suite 300 Concord, CA 94520; FAX: 925-609-6550 within 24 hours or immediately if serious injury or death has resulted. If information is not complete, DO NOT DELAY. Many details can be obtained later.

  • A copy of the certificate of insurance issued to the event holder covering the event.
  • A copy of any incident, accident, or loss report taken at the time of the incident.
  • DO NOT admit liability to anyone.
  • DO NOT offer your opinion to anyone. 
  • Claim Report Form (DOC )  

HUB International FAQ's 

Quick answers to our most frequently asked questions: 

Can I get a quote over the phone?

No. An application must be submitted for review. Questions that do not pertain to your event may be left blank. Use free-form area on front page of application for additional information. 

When can I expect to receive a quote?

Within 24 to 48 hours. 

Can I pay by credit card?

Yes. Please call us to pay by credit card. 

Do you accept personal checks?

No. We accept either a cashier check or money order. 

When is my payment due?

Payment must be received PRIOR to event date. 

When is my Certificate of Insurance issued?

Once we receive payment of premium in full. 

What are the Program limits of liability?

From $1,000,000 up to $5,000,000. 

What type of coverage does the Program provide?

Primary General Liability/Excess General Liability. Please refer to Coverage Summary for breakdown of limits. 

Is there a deductible?

No.

Reviewed 2014-08-20.

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