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The Inter-University Counsel Insurance Consortium was formed by a majority of Ohio's public colleges and universities to realize benefits from the group purchase of property and liability insurance. Through collaboration and cooperation, participating in a pooled insurance arrangement allows institutions to reduce the impact of underwriting pricing, servicing, and coverage limitations.
The following is a brief summary of the IUCIC coverage. The summary is not intended to provide limits, deductibles or premium information.
- Auto Physical Damage: Provides damage protection for university-owned, leased, loaned, or rented vehicles.
- Automobile Liability: Provides bodily injury and property damage protection for claims arising from the operation of university vehicles. It also provides excess liability coverage for employees using personal vehicles for university business.
- Crime: Provides protection against employee theft, forgery/alteration, robbery, computer fraud, etc.
- Cyber Risk: Provides protection against privacy and network security, liability, extortion, property loss, and loss of revenue from a cyber breach. Also provides assistance with defense and fines, as well as breach responses.
- Educator's Legal Liability: Provides protection for legal defense costs and settlement amounts/expenses for liability claims made for actual or alleged errors, misstatements, acts, omissions, etc.
- Foreign Liability: Provides protection against general liability exposures outside the United States.
- General Liability: Provides protection subject to varying terms, conditions, and limits for bodily injury and property damage, personal injury liability, advertising injury liability, and medical expenses.
- Healthcare Professional Liability/Medical Malpractice: Provides protection to employees for acts or omissions within the course and scope of their duties related to the conduct of university business. Students participating in university-sponsored internships and practicums are also covered.
- Pollution Legal Liability: Provides protection for legal defense costs, and clean-up of pollution conditions, third party bodily injury, and property damage.
- Property: Provides protection for the physical loss or damage to property in which the university has an insurable interest and the cause of which is the result of an insured peril.
- Medical, Dental, Vision, Life, Disability, and Accidental Death and Dismemberment Insurance—Visit the Human Resources website for more information.
- Student Health—Visit the Student Health Services website for more information.
- Workers' Compensation—Visit the Human Resources website for more information or contact the Office of General Counsel at 937-775-2803.
The TULIP, also known as events' coverage, is intended to provide general liability insurance to users of Wright State University facilities for specific events.
It protects both the facility user and the university against claims by third parties who may be injured or lose property as a result of participating in an event. Events may range from very low-risk events such as classroom seminars, receptions, or weddings to higher-risk events including festivals and fairs, sports events, or concerts.
Who Needs Events Coverage?
Any individual or organization that intends to use a facility owned by Wright State as a venue for their event and doesn't have a policy to cover the event needs a TULIP policy. Other users may have affiliation with the university but are still considered third parties even though the event may be sponsored by university student or faculty organizations. There MUST be a third party user, vendor(s), or performer(s) to qualify.
Not all activities are covered by a TULIP. The following activities are some that are specifically excluded: aircraft events; bicycle races, rallies, and events; boat shows; circuses; events with an attendance of over 5,000; events with prior losses; fireworks; haunted houses; laser tag; mechanical amusement devices, such as mechanical bulls; overnight camping and retreats; marathons/walkathons; political rallies; rodeo and roping events; paintball; pyrotechnics; rummage sales (other than for charities); skateboarding; swimming and pool facilities; tractor pulls; water events; and events with water slides.
For more information regarding TULIP, please contact Risk Management or go to https://tulip.ajgrms.com/.