1050风险管理/保险政策 & 程序
| 主题: | 风险管理/保险政策 & 程序 |
| 数量: | 1050 |
| 授权机构: | VICE PRESIDENT FOR LEGAL AFFAIRS AND GENERAL COUNSEL |
| 负责办公室: | 风险管理部 |
| 发行日期: | 2010年6月 |
| 最后更新: | 2018年4月 |
理由是: 这一政策确保了可保风险的识别和减轻以有效的方式发生, 以符合成本效益的方式购买保险，并通过风险管理办公室进行协调. 除了, 韦德体育app官网有义务及时向保险公司报告可能引起索赔的损失事件. Failure to meet reporting obligations may result in non-payment of claim expenses. | |
政策: The Office of 风险管理 is authorized to purchase property, liability and other non-employee fringe benefit insurance for general and specific risks, 基于机构对潜在损失和损失保险成本的评估. As per Exhibit A: Insurance Allocation/Expense Matrix, 保险的广度和范围将取决于当前财政年度有效的保险单. 禁止个别单位使用学校资金单独购买保险. If a specific insurance coverage is required for an activity, 单位, 或者赞助项目, the Office of 风险管理 will work with the 单位 to secure the necessary insurance coverage. 保费和行政费用的分配方法由风险管理办公室每年与财务和行政部门协商确定. 所有财产损失或人身伤害索赔将由风险管理办公室审查和处理. 诉讼索赔将由法律事务厅与风险管理厅和第三方索赔管理员合作处理. All exceptions to this policy will be referred to OU美联社&P #402 Exceptions to Administrative Policies 和程序. | |
适用范围及适用性: This policy applies to all University faculty, staff, students and volunteers. | |
定义: 免赔额: The portion of the claim not covered by insurance. PII: 个人识别信息. 第三方管理人: 一个组织处理索赔处理和报告组成部分的自筹资金的福利计划. UAD: 大学授权司机. | |
程序: 1) Premium, Excess Coverage and Administrative Expense Allocations Annually (typically in the second quarter of the fiscal year), 一部分保险费用和行政费用分配给受益于大学保险范围的辅助单位. See attached Exhibit A for an executive summary. 财产扣除 All property claims will be assessed the current property insurance deductible. Auxiliary Units are responsible for 100% of the deductible. Non-auxiliary Units are responsible for a portion of the deductible, see attached Exhibit A. 汽车保险免赔额 All Auto Insurance claims will be assessed the current auto insurance deductible. Auxiliary Units and Non-Auxiliary 单位s are responsible for 100% of the deductible. OU批准的巴士，豪华轿车，班车 OU Approved Vendors are listed on the Purchasing Department 网站. Departments requesting Charter Bus Companies, 公共汽车, Limos and Shuttles that are not on the OU Approved Vendor list, 必须验证以下标准:
2)国外旅游 The University provides insurance coverage for faculty, staff and students who are traveling overseas either on University business, or as part of a study abroad class or program. Prior registration is required; visit the 风险管理 注册网址. Travel restrictions may exist for certain countries, which may limit insurance coverage. 向风险管理办公室或国际教育办公室查询更多信息. All claims are handled by the Third Party Administrator; detailed claim filing instructions are located on the 风险管理 网站. If participating in higher risk activities, a waiver of liability will be required. If renting/leasing a vehicle in a foreign country, local insurance MUST be purchased at the time of rental. 联系风险管理办公室获取最新信息或访问“风险管理”网站. 3) Requests for 韦德体育app官网 Certificates of Insurance 请参阅风险管理办公室网站，了解具体的保险证书申请说明. 风险管理办公室将在收到请求的七(7)个工作日内准备好证书. 4)保险范围 & Limits for Construction Projects and Activities or Services 在合同开始时, 启动合同的部门有责任核实保险范围是否符合附录B和C中详细说明的要求, 如附录D所允许, 或经风险管理部门批准，并在开工前随合同提交保险证明. 鼓励各部门在合同有效期内定期审查保险限额，以确认这些限额自合同开始以来没有发生过变化. 只有风险管理办公室才能改变或放弃对保险要求的修改. 工作开始后收到的保险要求修改和/或取消通知应通知风险管理办公室. 所有rfp(提案请求)必须遵循附录B《韦德体育官方网站》或附录C《韦德体育官方网站》中列出的保险条款要求. Any deviations must be reviewed by the Office of 风险管理 prior to advertisement of the RFP. 附录D中未涵盖的豁免保险请求:请参阅风险管理办公室网站获取说明. 5)申报索赔 可能导致索赔的事件必须在事件发生后24小时内向风险管理办公室报告. Claims handling procedures and payment methods may vary depending on the size, type and complexity of the loss and will be determined by the Office of 风险管理. 汽车索赔 UAD私人车辆 在学校工作期间驾驶个人车辆的学生必须购买现行法律规定的个人汽车保险. UAD的个人汽车保险将是发生在大学业务上的索赔的主要保险. 学校不为自备/租赁/租赁车辆提供汽车实物损坏保险(综合和/或碰撞). (见 OU美联社&p# 1200旅行.) UAD和大学车辆 UAD运营的大学车辆或设备在密歇根无过错法案中涵盖对他人财产的损害和/或人身伤害索赔. 风险管理部门应将所有相关索赔报告给学校的第三方管理员处理. a. 如果车辆是自有的, leased or rented by the University and is damaged while on campus, a police report must be filed with the 韦德体育app官网 Police Department (OUPD). If the damage or loss occurs off campus a report should be made to the local police. UAD或主管必须尽快将事故通知风险管理办公室，但不得迟于收到UAD通知后的一(1)个工作日. UAD有责任要求将警方报告的副本发送给风险管理办公室. 请参考 风险管理 网站. b. Auto Claims Exceeding the Current 免赔额: For any claim involving repairs exceeding the current deductible, 三(3)估计 在进行维修之前，必须获得并提交给风险管理办公室批准. The services of an independent claims adjuster may also be required. Auto repairs less than the current deductible are the responsibility of the department. All repairs are paid for and managed by the department.
网络要求 任何盗窃或篡改硬件的行为, software or stored data including laptops, 台式电脑, 移动设备, 电子存储设备或服务器, 必须立即报告给首席信息官(CIO)和风险管理办公室. (见也 OU美联社&p# 860信息安全). Loss of 个人识别信息 (PII) 涉及PII丢失的事件, whether stored electronically or in a hard copy format, must be reported immediately to the (CIO) and the Office of 风险管理. (见也OU美联社&p# 860信息安全.) 财产索赔 大学财产损坏或被盗必须尽快报告给OUPD和风险管理办公室. It is of the utmost importance to preserve any damaged items for evaluation. 损坏的地方应该拍照. No repairs should take place without prior 风险管理 approval. (见也 OU美联社&360物业管理 第三方索赔 Potential claims involving third parties should be directed to the Office of 风险管理. If a lawsuit has been filed, the Office of 法律 Affairs should be contacted directly. | |
相关政策及表格: OU美联社&P #402 Exceptions to Administrative Policies 和程序 OU美联社&p# 610驾驶守则和标准 OU美联社&p# 1200旅行 Exhibit B - Construction Projects Insurance Coverage Requirements Exhibit C - Activities or Services Insurance Coverage Requirements Exhibit D - 风险管理 Approved Activities/Events Insurance Requirement Waived | |
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