RISK MANAGEMENT SERVICES

  
 
 
Athletic Insurance
  
 
Authorized Operators
  
 

Property and Liability

  
 

Student Services

  
 

Travel Policy

  
 
Worker's Compensation
  
 

FAQ's
  
 

Forms

 

Business Office Home

 
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Contact

Susan Butts,
Manager, Insurance/Risk Management

Campus Mail (CM) 21
Moench Hall A101
812-877-8457

  

Risk Management Services

  
Note: This site is under construction with updates added soon.  Thank you for your patience.

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: 

  1. Stop immediately, do not leave the scene of the accident and do not move your vehicle until instructed to do so by the police. 
  2. When the accident occurs off campus, call the local police in the accident area and Risk Management (x8457). 
  3. For accidents occurring on campus, contact Campus Security (x8911) and Risk Management (x8457). 
  4. Exchange identification and insurance information with the other driver (s). 
  5. 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). 
  6. Be courteous, cooperative and reasonable.
  7. 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:

  1. 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).

  2. Contact the Risk Management Coordinator (RMC) and provide them with the date and time of the occurrence.

  3.  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.

  4. 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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Worker's Compensation Insurance

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 -

  1. Immediately notify your immediate supervisor or Site-Coordinator of the injury.
  2. Complete the First Report of Injury form, if injury is not life threatening.
  3. 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.
  4. The injured employee should READ the Employee Packet received from their immediate supervisor or Site-Coordinator.
  5. Go to one of the medical care providers listed within your employee packet for treatment due to your W/C injury.
  6. During your first visit, provide the medical care provider with the Medical Provider Report that is located within your employee packet.
  7. 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.
  8. 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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FAQs

Q:   How do I obtain Student Accident/Illness Insurance if I waived the coverage in the Fall? 

A:   Student Insurance can be added by completing a "Add Student Insurance" form that can be obtained from Susan Butts, Moench Hall, DL111 or by contacting Susan at X8457. 

Q:   How do I file a Student Accident/Illness claim? 

A:   Complete a Student Claim form, which are located outside Moench Hall, Room DL111. Return this completed form to Susan Butts, DL111, and she will submit the completed claim form to our insurance carrier. 

Q:   How do I become a "Student Authorized Driver" so I can drive Rose-Hulman or rental vehicle for Institute business purposes? 

A:   Please provide us with a current copy of your Motor Vehicle Report (MVR) that you may obtain from the Bureau of Motor Vehicles in the state where your license was issued. The issue date of the MVR must be no older than 30 days at the time the report is submitted to our Risk Management Coordinator, Susan Butts. A new MVR must be obtained each school year in order to be listed as a "Student Authorized" 

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