The self-funded General Liability plan provides coverage for bodily injury or property damage liability arising from ownership or use of buildings or premises and/or legal liability arising from university operations. All university officers, agents, employees, authorized volunteers and authorized students are covered under this program.
Liability insurance provides legal defense from and/or payment to third parties who may have been damaged because of the negligence of the Curators of the University of ÑÇÖÞÓ°Ôº or their officers, employees, agents and, in some cases, volunteers.
Property insurance is a first party coverage that generally pays the university for damage it suffers as the result of an insured peril, such as fire, wind (tornado), earthquake, flood, etc.
Reporting a Claim
Claims are to be made using the . These reports must be submitted within 48 hours after the accident or incident occurred.
The campus contact must forward the report to the following within 72 hours after the accident or incindent:
Brentwood Services Administrators Inc.
PO Box 4605
Chesterfield, MO 63006-4605
Phone (800)524-0604 or (615)263-1300
Fax (615)724-9446
Liability Waivers
The Office of Risk & Insurance Management recommends the use of waivers in the following circumstances:
- Activities of an athletic or physical nature where the participant may reasonably anticipate injury, including but not limited to basketball, football, soccer, hiking trips, etc.
- Activities of Community Service where the participant may be in "harm's way." Examples may include projects such as Habitat for Humanity (construction projects) or survey work in high crime or industrial communities.
- Extended field trips (generally not day trips) away from campus.
Visits to campus for projects, laboratory or classroom participation by others, even if under the age of majority, do not generally require waivers. Such waivers would not be valid unless signed by the parents and generally impose an administrative burden not warranted by the exposure.
RIM provides risk advice and assistance at all project stages to help University faculty, staff and students identify and reduce risks associated with their activities. Please contact us when you have questions or concerns regarding the risks involved in your activities. Reach us by email, risk@umsystem.edu, or phone (573)882-8100.