Liability Programs pay all sums that The Regents are obligated to pay for legal liabilities. Liability Programs are divided into three areas: General Liability, Auto Liability and Employment Practice Liability.
- General Liability covers personal and bodily injury to non-employees, property damage to non-owned property, advertising injury, employee benefits liability, and professional liability (except for medical malpractice, which is covered under the Professional Medical and Hospital Liability Program). For example, the following situations are covered by this self-insurance: injuries to a visitor who slips and falls and is hurt (if the injury is due to negligence of The Regents); damage to equipment borrowed by the University; and negligence in administration of employee benefits.
- Auto Liability covers bodily injury to others (third party) and damage to property owned by others caused by vehicles owned or hired by The Regents, if The Regents are liable. For example, injuries to the driver or a vehicle rear-ended by a University truck are covered, as is damage to the other party's vehicle.
- Employment Practices Liability covers damages claimed by University employees as a result of the employment relationship if The Regents are proved liable. These damages include wrongful termination, discrimination and violations of the Americans with Disabilities Act (ADA), and are separate from any claims that an employee may file under Workers' Compensation.
For further information, contact the General Liability Program Manager at Insurance and Risk Management (IRM).
