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Risk
Management Services provides a variety of risk management services to the Institute,
Students, Faculty and Staff (excluding health, life, and disability).
For more information on health, life, and disability, please contact
Human Resources.
The Insurance and Risk Management
needs of Rose-Hulman focus specifically on the identification,
analysis, and recommendation of the most cost effective treatment
for potential loss exposures. This is accomplished by securing,
self-insuring, safety/loss control programs and risk transfer.
Coverage that we provide includes:
- Auto
- Builder's Risk
- Contractor's Equipment
- E and O
- Educator's Legal
- Electronic Data Processing
- Excess Catastrophic for
Intramural and Club Sports
- Fine Arts
- Foreign Liability
- General Liability
- Group Travel
- Intercollegiate Athletic
- Property
- Special Event Coverage
- Student Accident and Illness
- Student Travel
- Student Laptop
- Summer Camp Program
- Worker's Compensation
Property and Liability
Insurance
Vehicle Policy
You must be listed on the RHIT
Authorized Driver list prior to
renting a vehicle or driving a RHIT owned vehicle. Only RHIT
authorized drivers may drive these vehicles for RHIT business
purposes.
RHIT vehicles cannot be used for personal use.
To qualify as an "Authorized
Driver" the employee must complete a
"Motor Vehicle Background Check"
form and return the form to our
Risk Management Coordinator. If a student needs
to drive an Institute owned vehicle or non-owned vehicle for RHIT
business purposes, the student must provide our Risk Management
Coordinator with a
signed authorization from the department supervisor.
If an MVR comes back that is
considered by standards established by our insurance carrier to be
an at-risk driver, the individual will be restricted from driving
Institute owned and non-owned/leased vehicles until further notice.
The Institute's insurance carrier
will not pay claims involving a non-authorized driver. It
is the individual and/or department's responsibility to verify that
the driver of the rental or RHIT owned vehicle is listed on our
Authorized Driver list. Please contact our Risk Management
Coordinator, Susan Butts, at X8457 if you have any questions.
Please Note the following
additional items related to vehicle insurance and rental:
- The above requirement does apply
to class projects, trips, athletic events, etc. when a student
may be required to drive a rental or RHIT owned vehicle for RHIT
business purposes.
- All persons utilizing ANY
institute owned or rental vehicles must wear eat belts at ALL
times. Drivers are also not authorized to use cellular phones
while driving. Please pull off the road to use a cell phone.
- The RHIT auto policy includes a
$1,000 deductible for all collision claims and a $500 deductible
for all comprehensive claims. Deductibles are the
responsibility of the department using the institute owned or
rental vehicle, when rented in the name of RHIT, at the time of
the occurrence.
- RHIT suggest that you do not
take any of the additional insurance offered through the rental
agency.
- Due to national highway safety
issues concerning 12 and 15 passenger vans, RHIT will not
authorize or reimburse expenses associated with these vehicles.
The Institute's carrier will not cover accidents
occurring as a result of the use of these vehicles.
- Please inspect rental vehicles
prior to leaving the rental facility. If you notice any damages
to the rental vehicle, even if minor, bring this to the
attention of the rental company. If there is preexisting damage,
request that the rental agent give you something in writing
stating that the damage was preexisting. Failure to do so may
leave RHIT/your department responsible for these damages.
If an employee or student should
have an accident while in an Institute owned or non-owned vehicle,
the individual should contact the local authorities and our Risk
Management Coordinator (x8457) immediately. If the accident
happens on campus, the employee/student should also contact our
Campus Security (x8911) so an
incident report
may be completed.
Steps to follow in an accident:
- Stop immediately, do not leave
the scene of the accident and do not move your vehicle until
instructed to do so by the police.
- When the accident occurs off
campus, call the local police in the accident area and Risk
Management (x8457).
- For accidents occurring on
campus, contact Campus Security (x8911) and Risk Management
(x8457).
- Exchange identification and
insurance information with the other driver (s).
- DO NOT give statements to anyone
except the police, our RHIT Risk Management Coordinator and RHIT
Campus Security. Statements may be given to our insurance
carrier and any other insurance carrier involved in the claim
after a report has been filed with Risk Management (x8457).
- Be courteous, cooperative and
reasonable.
- Do not admit or deny blame. Do
not sign anything.
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Use of Facilities/Contractors -
Vendors
Certificate of Insurance (COI)
A Certificate of Insurance (COI)
listing RHIT as an "Additional Insured" is required from any
individual, corporation or business that may be using our
facilities or providing a service, even if there are no fees
involved.
Use of Facilities Agreement
This is a written agreement, in
addition to the Certificate of Insurance, that is required when
any individual, corporation or business will be using our
facilities or grounds.
Service Provider Agreement
This is a written agreement, in
addition to the Certificate of Insurance, that is required when
any individual, corporation or business will be providing a
service but not occupying space on our grounds or in our
facilities. This form is generally used by Facilities for
general maintenance services and/or projects under $25,000.
The COI and any of the above
listed agreements, if applicable, must be completed and returned
to our Risk Management Coordinator 14 days prior to the date of
the event. Clients are not allowed to use our facilities without
this information on file.
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Assumption of Risk and Release
Rose-Hulman Institute of
Technology has an
Assumption of Risk and Release Waiver
form to be completed by students, faculty, staff and visitors when
they participate in a Institute event off institute-owned
property. The institute has a "duty-to-warn" individuals of the
potential risks they may encounter while participating in an
off-campus event.
Students, alumni, employees and
visitors who participate shall sign the Assumption of Risk and
Release Waiver form. This form should then be sent to our Risk
Management Coordinator.
Travel Abroad - Faculty
and staff members who are
required by their job description to travel abroad will
have liability coverage under a Rose-Hulman liability policy.
Sabbatical abroad does not qualify as a job requirement.
Rose-Hulman does not have
liability coverage to cover students when they travel abroad.
Insurance coverage for traveling abroad is the responsibility of
the student and can be purchased from any insurance agent or
broker. The RHIT Student Accident/Illness insurance plan does
cover medical fees while traveling abroad and also includes
medical evacuation and repatriation of remains coverage.
D & 0 Insurance
Liability insurance protects
Institute employees if they are named in a lawsuit for an alleged
error or omission they made when performing their duties for the
Institute. There is no coverage for a criminal act.
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Property Coverage
Our property coverage has a
$10,000 deductible per claim. This deductible is the
responsibility of the department that incurred the loss.
Art Floater - This policy
has a $ 2,500 deductible. The policy
covers our personal art collections and items on loan to us by
artists. Items on loan or added to our collection must be reported
to the Art Curator (x8452) and our Risk Management Coordinator
(x8457). The Risk Management Coordinator will need to know the
description of the item (s) including size and title, appraised
value, artist, location and if the item is owned by the institute
or on loan. If the item is on loan, you must provide the dates
that insurance coverage is required. If Risk Management is not
notified of the item (s) to insure, then there is no coverage.
Contractor's Equipment Floater
- This policy has a $ 2,500 deductible and provides additional insurance coverage for equipment and tools that
are used 1,000 feet from the primary storage location. This would
cover landscaping equipment, motorized carts, weed eaters and etc.
In order to have coverage under this policy, the item must be
specifically listed in the policy.
Claims Procedures or reporting
damage or theft to RHIT property
The Following procedures should be
followed when reporting damage or theft to Rose-Hulman property:
-
File a report with RHIT Office of
Public Safety. If the claim is due to a theft, you must also
file a report with the Terre Haute City Police Department
(238-1661).
-
Contact the Risk Management
Coordinator (RMC) and provide them with the date and time of the
occurrence.
-
Provide the RMC with an
itemized list of the item(s) that were damaged or stolen,
supporting documentation of ownership and cost of item(s) at time
of original purchase.
-
Provide the RMC with an itemized
replacement cost estimate per item. This is necessary in
order to replace the damaged or stolen item(s).
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General Information
Worker's Compensation is a law
mandated by the State of Indiana to provide insurance coverage for
all employees who may be injured on-the job. The purpose is to
help the work-injured employee recover to pre-injury status and
return to the workplace.
Step by Step Claim Procedures
-
- Immediately
notify your immediate supervisor or Site-Coordinator of the
injury.
- Complete the
First Report of
Injury form, if injury is not life threatening.
- The immediate supervisor or
Site-Coordinator must deliver or fax (x8032) the completed First
Report of Injury form to Susan Butts within 24 hours of the date
of the injury.
- The injured employee should
READ the Employee Packet received from their immediate
supervisor or Site-Coordinator.
- Go to one of the
medical care
providers listed within your employee packet for treatment due
to your W/C injury.
- During your first visit,
provide the medical care provider with the
Medical Provider
Report that is located within your employee packet.
- Return to work and provide
your supervisor or Site-Coordinator with the Medical Release or
Return-To-Work form that you receive from the medical care
provider.
- If a prescription is required,
due to your workers comp injury, DO NOT use your RHIT
prescription card. You must do one of the following:
a. Pay for the
prescription and bring the cash register receipt for the
prescription, along with your prescription information, to
Susan Butts in Moench Hall, room DL111. These charges will be
submitted to our insurance carrier for reimbursement to the
employee. You cannot be reimbursed for prescription
charges without a cash register receipt.
or
b. Contact Susan Butts, x8457,
during office hours and she will make arrangements to have
your prescription filled at a local pharmacy at no out of
pocket cost to the employee.
Failure to follow these
procedures by seeking your own medical care will result in
non-payment of medical bills and you will be responsible for the
incurred medical costs.
Note: Worker's
Compensation wages are non-taxable. For additional
information on Worker's Compensation, please contact our Risk
Management Coordinator (x8457).
Return
to Work Program -
In the event your injury requires
work restrictions, RHIT will contact your immediate supervisor to
determine if the restrictions would prohibit you from performing
your normal job functions.
If the work restrictions prohibit
you from performing your normal job functions, and if there is no
other work available within your department, the Institute will
temporarily place you with another department where alternative
work may be available or applicable. You will remain in that
department until your work restrictions are changed or until the
alternative work is no longer available.
If there is no alternative work
available on campus, you will then be required to remain off work
until your work restrictions are changed or until you are released
to return to work, whichever comes first.
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