UC Insurance

The University insures all the vehicles it owns or leases. The University Automobile Insurance Program provides liability coverage for damage or injury caused to third party persons and property and for physical damage to University vehicles, including theft. Coverage is mandatory for all University vehicles whether operating, non-operating, currently in use, or in storage. The deductible for damage to a University vehicle is $500.

Use of University Vehicles

When employees drive University vehicles in the course and scope of their employment or other authorized personnel use University vehicles on official University business, they are covered by the University's Automobile Insurance Program, subject to the restrictions listed below. Business and Finance Bulletin BUS-46, Use of University Vehicles governs the use University vehicles.

Use Restrictions

• University vehicles can be used for official University business only.
• Authorized drivers are limited to faculty, staff, and student employees.
• Consultants and non-employee student drivers must be approved to use a University vehicle by an appropriate campus official.
• A driver who improperly uses a University vehicle may be held financially responsible for the consequences. Improper use of a University vehicle includes:
            •   Use for private purposes
            •   Use by a driver with a suspended license or no license at all
            •   Use by a driver under the influence of alcohol or narcotics
            •   Reckless driving
            •   Illegal activities or behavior

Insurance Coverage in an Accident

• Injury or damage to others: University Auto Insurance
• Damage to University vehicle: University Auto Insurance
• Injury to employee driver (if in course and scope of employment): UC Worker’s Compensation Program
• Injury to employee passenger (if in course and scope of employment): UC Worker’s Compensation Program
• Injury to non-UC passenger: UC General Liability Insurance Program if injury is UC driver’s fault; if the fault of a third party, third party’s insurance
• See the Fact Sheet: Insurance While Driving on UC Business for more information about where insurance coverage comes from when you are driving a vehicle to conduct University business.

Registering UC Vehicles

All University vehicles and department-owned or leased vehicles, whether they are based in the United States or in a foreign country, must be registered with the campus Risk Management Office. To add a vehicle to your department's automobile schedule in order to secure coverage under the University’s Automobile Insurance Program, complete the Auto Schedule Adjustment Form and submit it to the campus Risk Management, Environmental Health & Safety, 565 Mesa Rd., University of California, Santa Barbara, CA 93106-2090. For more information, call (805) 893-4440; email: ehs-riskmanagement@ucsb.edu.

After a vehicle is registered, the UC Auto Insurance Program will provide coverage for damage or injury to third party property, vehicles or persons by University vehicles and for any physical damage it may suffer, including theft. Registration is mandatory and coverage is mandatory on all University vehicles.

Cost of Auto Insurance

Departments that own vehicles pay for insurance coverage. An annual premium is charged for any vehicle owned as of July 1. The charge appears by way of a journal entry on the department’s general ledger. This charge usually appears on the ledger later in the year, after UCSB Risk Management has given departments the opportunity to update their vehicle schedules. The Office of the President Risk Services determines the campus auto insurance premium based on an actuarial review of the campus experience over a period of five years (losses) and its exposure (number of owned autos). There are no charges for vehicles added during the fiscal year until the next fiscal year. Conversely, there are no refunds for vehicles that are disposed of during the fiscal year.

UC Vehicles in Foreign Countries

All University vehicles and department-owned or leased vehicles based in foreign countries must be registered with the campus Risk Management Office and insured. See the "Foreign Liability" section for more information.

Evidence of Financial Responsibility for UC Vehicles

Every UC vehicle has a copy of the registration card issued by the DMV in the glove box. Under Vehicle Code Section 16020(b)(4), this serves as sufficient evidence of both registration and financial responsibility (proof of insurance) because it demonstrates the vehicle is owned by a government entity as defined in Section 811.2 of the Government Code. The requirement to show proof of financial responsibility is fulfilled when a vehicle is shown to be owned by a government entity.

GOVERNMENT CODE SECTION 810-811.9
811.2. "Public entity" includes the state, the Regents of the University of California, the Trustees of the California State University and the California State University, a county, city, district, public authority, public agency, and any other political subdivision or public corporation in the State.

VEHICLE CODE SECTION 16020 - EVIDENCE OF FINANCIAL RESPONSIBILITY
(a) All drivers and all owners of a motor vehicle shall at all times be able to establish financial responsibility pursuant to Section 16021, and shall at all times carry in the vehicle evidence of the form of financial responsibility in effect for the vehicle.

(b) "Evidence of financial responsibility" means any of the following:

(4) A showing that the vehicle is owned or leased by, or under the direction of, the United States or a public entity, as defined in Section 811.2 of the Government Code.

Automobile Accident

Go to Automobile Accident if you are a 3^rd party who has been involved in an accident with a University vehicle, or a driver of a University vehicle who has been involved in an automobile accident, and you must report and/or make a claim for injury or damages.

Automobile Claim Processing & Payment

When an employee is involved in an accident while driving a UC vehicle, they must immediately report the accident to SedgwickCMS, the University’s Third Party Administrator. See Claims & Complaints / Automobile Accident for information about claim processing and payment when University vehicles are involved in accidents.

Traffic and Parking Tickets

Tickets received while operating a UC vehicle are the responsibility of the driver, not the University.

Automobile Fact Sheets

• FS: Driving UC Vehicles in Mexico
• FS: Insur. Driving on UC Business

Automobile Forms

• Auto Schedule Adjustment Form
• Request for Mexican Auto Insurance
• Authorization to Drive in Mexico
• Report of Vehicle Accident

The University maintains system-wide rental agreements with various automobile rental companies for use by University faculty and staff on business-related travel. Unless you are outside the continental United States or in a foreign country where the system-wide agreement is not in effect (see below) or want to rent a specialized vehicle that is not available from a company with whom the University has a system-wide agreement (see below), it is University policy that you rent vehicles from companies with whom the University has a system-wide agreement.

You can find a list of the auto rental companies with whom the University has agreements on Connexxus or by contacting the Travel Desk at UCSB Business & Financial Services. Be sure to review the agreement to ensure that the type of vehicle you want to rent is included in the agreement. The agreements do not generally cover trucks or any kind of specialized vehicle. You can only rent a vehicle under a UC agreement if you are using the automobile on University business.

Insuring Rental Vehicles

When renting a vehicle under the terms of a University agreement, liability insurance and comprehensive and collision insurance are included in the rate you pay for the rental auto. Because of this you must decline SLI and LDW/CDW coverage. If you purchase this coverage you are duplicating coverage already paid for when you rent an auto under the University auto rental agreement and you will not be reimbursed for the coverage.

In order to make sure you get the insurance when renting a vehicle from an auto rental company with whom the University has an agreement, you must identify yourself as a University employee and provide the rental car company with the University’s Corporate Contract Number (each company has its own number). The employee should make certain that the Corporate Contract Number is noted on the rental agreement in addition to the fact that the auto is being rented by a University employee.

Insuring Rental Vehicles Outside the United States

The University’s system-wide agreements with auto rental companies do not apply to auto rentals outside the continental United States or in foreign countries. Therefore you MUST purchase SLI (supplemental liability insurance) and LDW/CDW (loss damage waiver/collision damage waiver) coverage when you rent vehicles in Alaska, Hawaii, U.S. territories, and foreign countries. The cost of this insurance will be reimbursable.

Renting and Insuring Specialized Vehicles

The University’s system-wide agreements with auto rental companies do not apply to rentals of specialized vehicles like trucks with lift pads, box trucks, etc. Therefore you MUST purchase SLI (supplemental liability insurance) and LDW/CDW (loss damage waiver/collision damage waiver) coverage when you rent specialized vehicles that you cannot rent under a University agreement with a car rental company. The cost of this insurance will be reimbursable.

Insurance Coverage in an Accident

• Injury or damage to others: rental auto policy
• Damage to rental vehicle: rental auto policy
• Injury to employee driver (if in course and scope of employment): UC Worker’s Compensation Program
• Injury to employee passenger (if in course and scope of employment): UC Worker’s Compensation Program
• Injury to non-UC passenger: rental auto policy if injury is UC driver’s fault; if the fault of a third party, third party’s insurance
• See the Fact Sheet: Insurance While Driving on UC Business for more information about where your insurance coverage comes from when you are driving a vehicle to conduct University business.

Automobile Accident

Go to Automobile Accident if you are a University driver who has been involved in an automobile accident, and you must report and/or make a claim for injury or damages.

Traffic and Parking Tickets

Tickets received while operating a UC vehicle are the responsibility of the driver, not the University.

Automobile Fact Sheets

• FS: Driving UC Vehicles in Mexico
• FS: Insur. Driving on UC Business

Automobile Forms

• Auto Schedule Adjustment Form
• Request for Mexican Auto Insurance
• Authorization to Drive in Mexico
• Report of Vehicle Accident

An employee’s personal auto liability insurance policy provides coverage when a personal vehicle is used to conduct University business. It is the employee’s responsibility to be adequately insured. University insurance programs do not provide coverage for damage or loss to an employee’s vehicle when it is used for business travel.

If an employee using a personal vehicle to conduct University business is involved in an accident in which the employee’s vehicle is damaged, Business and Finance Bulletin G-28 (Part VII.C, Automobile, Section 1a, Para 2d) allows departments to reimburse the employee $500 or the amount of the employee’s policy deductible, whichever is less, to pay for repairs. The reimbursement may be charged to the department or to another account as designated by the Chancellor.

Personal Vehicle Insurance

If you regularly use a personal vehicle on University business (defined as more than four trips per calendar month totaling at least 300 miles), your vehicle insurance must meet the University’s minimum liability coverage per Business and Finance Bulletin, G-28, C.1.d:

• $50,000 for personal injury to or death of a person
• $100,000 for injury to, or death of, two or more persons in one accident
• $50,000 for property damage

Automobile Accident

Go to Automobile Accident if you are a University driver who has been involved in an automobile accident and you must report and/or make a claim for injury or damages.

Insurance Coverage in an Accident

• Injury or damage to others: your personal policy
• Damage to personal vehicle: your personal policy
• Injury to employee driver (if in course and scope of employment): UC Worker’s Compensation Program
• Injury to employee passenger (if in course and scope of employment): UC Worker’s Compensation Program
• Injury to non-UC passenger: your personal policy if accident is your fault; if the fault of a third party, third party’s insurance
• See the Fact Sheet: Insurance While Driving on UC Business for more information about where your insurance coverage comes from when you are driving a vehicle to conduct University business.

Traffic and Parking Tickets

Tickets received while operating a UC vehicle are the responsibility of the driver, not the University.

Automobile Fact Sheets

• FS: Driving UC Vehicles in Mexico
• FS: Insur. Driving on UC Business

Automobile Forms

• Auto Schedule Adjustment Form
• Request for Mexican Auto Insurance
• Authorization to Drive in Mexico
• Report of Vehicle Accident

U.S. citizens driving in Mexico are subject to Mexican laws. The laws in Mexico that govern motor vehicle operations are different than those in the States. Even a minor vehicle accident in Mexico can have serious consequences if you do not meet Mexican insurance requirements. See FS: Driving UC Vehicles in Mexico for additional information.

Mexican Auto Insurance is Required

American auto insurance policies are not recognized in Mexico. If you drive in Mexico, Mexican law requires you to have Mexican auto liability insurance. Mexican auto liability insurance covers injuries or property damage to third parties. To comply with the law, employees who take UCSB vehicles to Mexico must purchase Mexican auto liability insurance. Employees are also required by UCSB Risk Management to purchase Mexican auto physical damage insurance. Auto physical damage insurance will cover the costs to repair a UCSB vehicle that has been damaged in an accident while being driven in Mexico.

Application for Mexican Auto Insurance

Department must submit Request for Mexican Automobile Insurance and Authorization to Drive UC Vehicle in Mexico to Risk Management:

1. Department Control Point must sign the Request;
2. All travelers must be affiliated with the University; no volunteers;
3. Declared value of vehicle must be based on Kelley Blue Book; provide printout.

Completed Request and Authorization are approved and signed by campus Risk Management. Risk Management e-mails completed forms to MacAfee & Edwards Inc. MacAfee & Edwards Inc. issues Mexican Auto Insurance Policy and emails Policy and invoice to Risk Management. Risk Management reviews Policy and invoice and emails the Policy, the signed and approved Request and Authorization, and the MacAffee & Edwards invoice to the department contact. Department must pay MacAfee & Edwards invoice directly.

IMPORTANT: The Mexican Auto Insurance Policy and the Authorization to Drive UC Vehicle in Mexico letter must be carried in the vehicle while traveling in Mexico.

Insurance Coverage in the Event of an Accident

• Injury or damage to others: Mexican Auto Insurance policy
• Damage to UC vehicle: Mexican Auto Insurance policy
• Injury to employee driver (if in course and scope of employment): UC Travel Insurance Program, UC Worker’s Compensation Program
• Injury to employee passenger (if in course and scope of employment): UC Travel Insurance Program, UC Worker’s Compensation Program
• Injury to non-UC passenger: Mexican Auto Insurance policy if injury is UC driver’s fault; if the fault of a third party, third party’s insurance
• See the Fact Sheet: Insurance While Driving on UC Business for more information about where insurance coverage comes from when you are driving a vehicle to conduct University business.

Register for Travel Insurance and/or Travel Alerts

Go to Travel Insurance for more information if you are an employee or student.

Automobile Accident

Go to Automobile Accident if you are a University driver who has been involved in an automobile accident, and you must report and/or make a claim for injury or damages.

Traffic and Parking Tickets

Tickets received while operating a UC vehicle are the responsibility of the driver, not the University.

Automobile Fact Sheets

• FS: Driving UC Vehicles in Mexico
• FS: Insur. Driving on UC Business

Automobile Forms

• Auto Schedule Adjustment Form
• Request for Mexican Auto Insurance
• Authorization to Drive in Mexico
• Report of Vehicle Accident

The University’s Employment Practices Liability Self-Insurance Program provides coverage when University employees, in the course and scope of their employment, are alleged to have engaged in wrongful employment-related acts such as harassment, discrimination, retaliation, and wrongful termination. The Employment Practices Self-Insurance Program is paid for by UC campuses and medical centers. The Office of the President Risk Services manages the funding and administration of the Program through the use of a third party claims administrator. For more information about this Program, go to Employment Practices Liability Insurance.

The University's General Liability Self Insurance Program covers the University and its employees for claims that arise out of University operations and premises. The program provides coverage when the negligent acts or omissions of the University are alleged to have caused bodily injury or property damage to third parties.

The General Liability Self-Insurance Program does not cover losses or damages that are not caused by the University, breach of contract claims, hazardous waste or pollution spills, land use disputes, losses arising from the use of aircraft or watercraft which exceed 40 feet in length, or any illnesses or injuries to employees that are covered by the University’s Workers’ Compensation Self-Insurance Program.

Program Administration

The General Liability Self-Insurance Program is paid for by UC campuses and medical centers. The Office of the President Risk Services manages the funding and administration of the Program through the use of a third party claims administrator. When a claim is made that the University’s negligence has caused bodily injury or property damage to a third party, the third party claims administrator will investigate the allegations to determine if the injury or damage was indeed the University’s fault. The Program pays the costs of investigation, defense and settlement of these kinds of claims and lawsuits. For more information about this Program, go to General Liability Insurance.

Filing a Claim or Serving a Lawsuit

If you want to file a claim or serve a lawsuit against the University, go to 3^rd Party Claims & Complaints.

General Liability Forms

• Claim Form

The University’s Professional Medical & Hospital Liability (PL) Self-Insurance Program provides coverage for medical and dental malpractice claims and lawsuits that occur at University of California healthcare facilities, including student health, counseling, and psychological service centers and veterinary services. It also covers University healthcare practitioners, including university physicians, dentists, residents, fellows, nurses and other healthcare employees, for acts or omissions arising out of the course and scope of their University employment.

Program Administration

The Professional Medical Hospital Self-Insurance Program is paid for by UC campuses and medical centers. The Office of the President Risk Services manages the funding and administration of the Program through the use of a third party claims administrator. When a claim is made against the University, the third party claims administrator investigates the allegations to determine if the University was responsible. The Program pays the costs of investigation, defense and settlement of these kinds of claims and lawsuits. For more information about this Program, go to PL Insurance Program.

Filing a Claim or Complaint

If you want to file a claim or serve a lawsuit against the University, go to 3^rd Party Claims & Complaints.

Professional Medical Liability Forms

• Claim Form

In general, the University's Property Self-Insurance Program automatically covers University-owned property at no cost to departments or employees. It also covers property in the University’s care, custody, and control as long as there is a written agreement signed by a University employee with signature authority. Coverage is worldwide and property need not be on University grounds to be insured. Lost or damaged goods that are covered under the Program are replaced or repaired with property of like kind and quality.

Some property exposures that are not covered by the Self-Insurance Program are covered by commercial policies, e.g. Aviation/Aircraft, Boiler & Machinery, Builder’s Risk, Cyber Risk, Fine Arts, Marine Cargo, Transit Risk, etc.

Coverage

Perils that are covered include theft, vandalism, fire, water, explosions, lightning, windstorms, hail, transportation, building collapse, and other sudden and accidental damage. Some perils that are not covered include earthquake, changes in temperature or humidity, wear, tear, and deterioration, mysterious disappearance, delay, loss of tme, war and terrorism.

Deductibles

The deductible is $1,000 for all perils with the following exceptions:

• $5,000 per occurrence for water damage (or 10% if damage exceeds $50,000)
• $5,000 per occurrence for fire
• $1,000 per occurrence for forced-entry theft
• $5,000 per occurrence for non-forced entry theft
• $250 for losses occurring during transit. If the carrier pays all or a portion of the claim, the self-insurance program will pay the remaining amount of claim with no deductible applied.

Program Administration

The Property Self-Insurance Program is paid for by UC campuses and medical centers. The Office of the President Risk Services manages the funding and administration of the Program through the use of a third party claims administrator. When a claim is made, the third party claims administrator investigates the loss to determine whether it is covered, how it is covered, and how much the department is to be paid. For more information about this Program, go to Property Insurance.

Reporting a Loss and Filing a Claim

If you or your department have suffered property loss or damage and want to report the loss and file a claim, go to UC Property Loss Claim.

UC Property Claim Processing & Payment

When a department suffers loss or damage to University property or property in the University’s care, custody, and control, see UC Property Loss Claim for information about how property claims are processed and paid by the UC Property Insurance Program.

Property Forms

• Report of Transit Loss
• Property Loss Report
• Loss - Summary of Costs

Workers' Compensation provides coverage for employees work-related injuries or illnesses. See the Workers' Compensation Program for more information.

The University’s Aviation Commercial General Liability insurance policy provides coverage for loss arising from aviation operations, including use and/or ownership of airport and helipad premises.

Non-Owned Aircraft Liability

The University’s Non-owned Aircraft Liability insurance policy provides coverage for loss arising from the use of non-owned aircraft (chartered, rented aircraft), employee owned aircraft flown on UC business and non-owned unmanned aerial systems (drones).

Owned Unmanned Aerial Systems (UAS) Liability

The University’s Owned UAS Liability insurance policy provides coverage for liability arising out of the use of drones owned by the Regents. To be covered the UAS must meet, at a minimum, the following criteria: (1) 55 lbs. or less in weight, (2) operate within line of sight of operator, (3) operate below 400 ft., (4) cannot fly with 5 miles of an airport without the permission of airport authorities, and (5) must be operated in accordance with Federal laws and regulations and on behalf of and sanctioned by the Board of Regents.

Employees and students who operate University UASs for research and educational activities must register University drones with the FAA and the UC Center of Excellence on Unmanned Aircraft System Safety. Go to UC Unmanned Aerial Systems for information on how to register University-owned UASs.

Go to Unmanned Aerial Systems for information about the Approval Process for UCSB UAS Flight Operations.

Aviation/Aircraft/UAS Forms

• UAV Questionnaire

Boiler & Machinery covers equipment breakdown, loss or damage to covered boiler and machinery equipment.

Builder’s Risk covers all risks of direct physical loss or damage at UC construction sites.

Cyber & Privacy covers damages and claim expenses that UC is obligated to pay because of an actual or alleged privacy breach, confidentiality breach, security breach, or online media activity.

Crime covers loss caused by employee theft, forgery, funds transfer fraud, and other crimes.

The UC Fine Arts Insurance policy provides coverage for risks of physical loss or damage, including earthquake and flood, to fine art (1) owned by the University, (2) in which the University has an insurable interest, (3) that is in the care, custody or control of the University, (5) for which the University has received instructions or agreed to insure under written contract prior to a loss, or (6) for which the University is legally liable. Coverage extends to fine art in transit and at any location worldwide.
* (Some countries may be excluded; see list below)

Securing Coverage

Coverage is not automatic. To have coverage under the Fine Arts Insurance policy, a department must request it. To be eligible for Fine Arts insurance coverage, the art must be owned by the University or on loan to the University with an agreement in place that makes the University responsible for insuring the loaned fine art. Undeclared fine arts are covered under the Fine Arts and Library Collections Policy. This policy has more exclusions and higher deductibles.

Temporary Exhibits and Fine Arts Not Owned by UCSB

Any department receiving fine art on loan must, in order to secure coverage under the Fine Arts Insurance policy, submit an Application for Fine Arts Insurance and a copy of the Art Exhibition & Loan Agreement to UCSB Risk Management prior to receiving the fine art from the lender. If an exhibit of loaned artwork extends beyond six months then the responsible department must complete and submit a Permanent Collections Schedule Change Form to add the art to the Permanent Collections Schedule and insure it as part of the campus’ Permanent Collections.

UCSB-Owned Permanent Collections

The Risk Management office maintains a “Fine Arts Permanent Collections Schedule”. The Schedule keeps track of all owned fine art (and non-owned fine art that the campus is, or will be, in possession of for more than six months) that is covered under the Fine Arts Insurance policy. Risk Management distributes this list to art-owning departments every six months so that they may update it by listing new items for which coverage is required, or to delete items for which coverage is no longer necessary. Departments must use the Permanent Collections Schedule Change Form to add art to the campus Permanent Collections Schedule so that artwork in their possession is insured under the University’s Fine Arts policy.

Art Exhibition & Loan Agreement

When a UCSB department borrows or lends fine art, it should enter into a written agreement with the other party. Examples of such agreements are the Art Exhibition & Loan Agreement - UC as Borrower and the Art Exhibition & Loan Agreement - UC as Lender. An agreement documents the terms and conditions of the loan as well as the value of the art and who is responsible for insuring it. Submit a copy of the completed and signed Agreement to the Risk Management office prior to borrowing or loaning fine art so that it can be scheduled and insured. If an exhibit extends beyond six months then the fine art must be scheduled as part of the campus’ Permanent Collections (as described above).

Fine Arts Premium

The cost of the Fine Arts Insurance policy is included in the premium that the campus pays for UC’s property insurance premium. There is no additional charge to departments for coverage under this program.

Fine Arts Policy Deductible

$1,000 per occurrence
$10,000 earthquake deductible
$10,000 outdoor sculptures
(Deductibles do not apply to items on loan to the University)

Making a Claim for Loss or Damage

If your department has suffered a property loss covered by the Fine Arts Insurance policy and wants to file a claim, use the Huntington T. Block Fine Arts Claim Report.

In All Cases Involving Loss or Damage

• Report to campus Risk Management immediately
• Advise owner of loss
• Report to Huntington T. Block Director of Claims

Missing or Stolen Art

• Report to Police Department immediately
• Continue search for piece

Transit Damage

• Save all transit documentation and packing as evidence
• Notify shipper of damage immediately, follow-up with a letter putting them on notice of loss
• If package is damaged when it arrives, take photos of the damaged packing
• Take additional photos as you unpack the contents to create complete photo record

Other Physical Damage

• Collect and retain all damaged pieces
• Determine cause of loss and whether another party is responsible for damage
• Determine value and if possible, ability to restore piece

Exclusions

This policy does not insure against loss or damage caused by:

• Wear and tear, gradual deterioration, moths, vermin, inherent vice, or loss or damage sustained due to or resulting from any repairing, restoration, or retouching process. However, this exclusion shall not apply where the Insurers and/or their representatives have directed repairing, restoration, retouching, or other process following a loss.
• War Risks (various), except with respect to Insured Property in overseas transit.
• Nuclear reaction or nuclear radiation or radioactive contamination, all whether controlled or uncontrolled and whether such loss be direct or indirect, proximate or remote, or be in whole or in part caused by, contributed to, or aggravated by the perils insured against in this policy; however, subject to the foregoing and all provisions of this policy, direct loss by fire resulting from nuclear reaction or nuclear radiation or radiation or radioactive contamination is insured against by this policy.
• Terrorism.

No Coverage in Some Countries

Countries in which coverage does not apply: countries and/or places known or formerly known as Afghanistan, Albania, Angola, Armenia, Azerbaijan, Belarus, Bosnia-Herzegovina, Bulgaria, Burma (Myanmar), Chechnya, Croatia, Cuba, Georgia, Iran, Iraq, Kampuchea, Kazakhstan, Kosovo, Kyrgyzstan, Laos, Lebanon, Liberia, Libya, Macedonia, Montenegro, North Korea, Outer Mongolia, Pakistan, Rwanda, Serbia, Slovenia, Sudan, Syria, Tajikistan, Tibet, Turkmenistan, Uzbekistan, West Bank Territory, Yugoslavia, Zaire, Zimbabwe, or any other country where trade relations are unlawful as determined by the Government of the United States of America or it's agencies.

Fine Arts Forms

• Art Exhibit/Loan Agreement - UC Borrower
• Art Exhibit/Loan Agreement - UC Lender
• Fine Arts Insurance Application
• Student Artwork Loan Agreement
• Permanent Collections Form
• Fine Arts Claim Report

Library & Fine Arts (Unscheduled) covers unscheduled fine arts and library collections.

Foreign Auto Liability

The University requires departments that own and/or operate vehicles in foreign countries to purchase coverage under the University’s Foreign Automobile Liability Insurance policy whether the vehicle is operating, non-operating, currently in use or in storage. This coverage is not optional. The University’s Foreign Auto Liability policy provides coverage for damage or injury caused to third parties. It is excess of the amount of local auto liability insurance.

To register a vehicle for Foreign Auto Liability Insurance, complete an Auto Schedule Adjustment Form and submit it to the campus Risk Management office.

In any country where a compulsory automobile liability insurance law is in force, Departments are required to purchase compulsory insurance at the required legal limits. The coverage provided by the University’s Foreign Automobile Liability policy is excess of the limits required locally.

In any country where there is no compulsory automobile liability insurance law in force, Departments must purchase local insurance with bodily injury limits of $10,000 each person/$20,000 each accident or occurrence and property damage limits of $10,000 each accident or occurrence. In any country where the compulsory insurance requirement only applies to bodily injury liability, the Department must purchase property damage liability coverage at a limit of $10,000 each accident or occurrence. In both these cases the Foreign Auto Liability insurance is excess of the amount of local insurance.

For additional information, go to Foreign Liability Insurance. For information about travel to Mexico in UC vehicles go to the "Automobile" section above.

Foreign General Liability

Office of the President Risk Services has arranged with a global insurance company for foreign liability insurance that covers University operations in foreign countries as necessary. Foreign liability insurance protects the University, helps the University comply with local insurance laws, reduces department costs and the need for University faculty and staff to spend their own time and resources obtaining it, and allows for coordinated claims handling.

Foreign general liability insurance coverage may be required if you are signing a lease for office or research space, purchasing office or research space, entering into any contracts or agreements with host country institutions, organizations, or government agencies, or running any long term (over 90 days) or on-going projects.

If you are engaged in any of these activities in a foreign country, please notify the campus Risk Management office so we can coordinate the issuance of all required general liability policies with our global insurance company.

For additional information, go to Foreign Liability Insurance.

Foreign Liability Forms

• Auto Schedule Adjustment Form
• Request for Mexican Insurance
• Authorization to Drive in Mexico
• Report of Vehicle Accident

The Marine Cargo policy provides hull and machinery coverage for small watercraft, boat trailers, engines, and oars that are on UCSB’s Vessel Schedule. The campus Risk Management office maintains the campus Vessel Schedule.

This insurance is not automatic. To have coverage boats, trailers, engines, and oars must be on the Vessel Schedule. If you want to add items to, or delete them from, your department’s vessel schedule, complete a Yacht Schedule Change Form and submit it to the Risk Management office. Departments are not charged a premium for coverage under this policy (exception: boats in excess of 40 feet). Deductibles are based on the value of the boat; one percent of the insured value subject to a $250 minimum.

Boats that are borrowed by a UCSB department are not insured under this policy unless the Risk Management office is notified and temporarily adds it to the campus’ Vessel Schedule after confirming coverage with the underwriter. There may be no coverage for a boat when it is loaned to an outside party. Whether you are borrowing a boat or lending one (1) contact the Risk Management office for assistance and (2) be aware that in either case it will be necessary to have a written agreement with the other party.

The Marine Cargo policy also covers the University’s legal liability for losses arising out of the operation of vessels that exceed 40’ in length (legal liability for vessels less than 40’ is covered under the University’s General Liability Self-Insurance Program). The Marine Cargo policy covers the University’s legal liability for loss to crew members and 3rd parties arising from the use of chartered vessels. For more information on boat charters, go to Boat Charters.

Cargo Insurance

The Marine Cargo policy provides coverage for worldwide foreign shipment of scientific equipment, research materials, household goods/personal effects and other similar items. To obtain foreign transit risk insurance you must complete an Application for Foreign Transit Insurance and submit it to the campus Risk Management office. For more information on foreign shipments, transit insurance, and loss reporting, see the "Transit Risk" section below.

Vessel Pollution

The Marine Cargo policy provides coverage for pollution response and/or damages arising out of the University’s ownership and operation of scheduled vessels.

Reporting a Loss and Filing a Claim

If you or your department have suffered property loss or damage involving hull and machinery or transit damage covered under the University’s Marine Cargo policy and want to report the loss and file a claim, go to UC Property Loss Claim.

Marine Cargo Forms

• Yacht Schedule Change Form
• Application Foreign Transit Insurance
• Report of Transit Loss
• Property Loss Report

Domestic Shipments

• When University property is shipped via any commercial transit carrier within the United States, its possessions and territories, and/or Canada, it is automatically insured, at no cost, under the University’s Property Self-Insurance Program.
• Property shipped by any governmental postal service, including the U.S. Postal Service, is not covered.
• No notice is required for shipments of property with a value less than $7,500,000.
• Shipments of property with a value in excess of $7,500,000 must be reported to the Risk Management office a minimum of one week in advance of shipment so that UC’s insurance broker can arrange for adequate coverage.
• Departments are not charged for transit insurance.

Foreign Shipments

• The UC Marine Cargo Insurance policy covers property shipped via any commercial transit carrier to or from anywhere outside the United States, its territories and possessions, and/or Canada. Coverage under this policy is not automatic. To obtain coverage under the UC Marine Cargo insurance policy, it is necessary to complete an Application for Foreign Insurance and submit it to the campus Risk Management office. For more information on the Marine Cargo policy, see the "Marine Cargo" section above.
• If a department purchases equipment from a vendor who is located outside the United States, its territories and possessions, and/or Canada, the equipment vendor may pay for and provide transit insurance for the shipment of the equipment. Transit insurance is critical to the University’s financial interest when its property is being shipped so it is important that Departments work closely with Procurement Services to make certain all shipments are insured.
• In the event that the vendor does not pay for or provide transit insurance, then the University’s Commercial Marine Cargo Insurance will provide the transit insurance coverage. If a department wants to insure a shipment under the Marine Cargo Insurance policy, the UCSB Risk Management office requires the department to report the shipment on an Application for Foreign Transit Insurance. The completed Application must be submitted to the Risk Management office with an itemized list of the items being shipped and their value attached to the Application.
• Coverage under the University’s Commercial Marine Cargo Insurance policy may not be available for shipments to and from countries that are subject to trade or economic embargoes. Call the Risk Management office if you have coverage questions.
• Shipments of property with a value in excess of $5,000,000 must be reported to the Risk Management office three weeks in advance of shipment so that UC’s insurance broker can arrange for adequate coverage.
• The Risk Management office submits information about our campus’ foreign transit shipments to the Marine Cargo Insurance underwriter on a quarterly basis. The underwriter uses the information to determine, on an annual basis, (1) the cost of coverage for each campus and (2) that the amount of coverage the University carries is sufficient.

Reporting a Loss and Filing a Claim

If you or your department have suffered a transit-related property loss or damage and want to report the loss and file a claim, go to UC Property Loss Claim.

Transit Risk Forms

• Application Foreign Transit Insurance
• Report of Transit Loss
• Property Loss Report
• Loss - Summary of Costs

Travel (Business) provides accident/medical coverage for UC faculty and staff engaged in work-related travel. See "UC Business Travel Insurance" under Travel Insurance for more information.

Travel (Student) provides accident/medical coverage for UC students engaged in UC-sponsored travel. See "UC Student Travel Insurance" under Travel Insurance for more information.

Sexual Misconduct Liability covers UC legal liability to third parties for acts of sexual misconduct.

The University requires Employee Clubs to have liability insurance when they use University facilities. The University’s general liability insurance only covers employees while they are acting in the course and scope of their University employment. Employee Club Liability Insurance, available from the CampusConnexions Program, meets the University requirement for employee clubs who conduct activities on University premises. For more information about this coverage and how to obtain it, go to Employee Club Liability Insurance.

When faculty and staff use University facilities to conduct personal business, their activities create liability exposures that the University requires them to insure. The University’s general liability insurance only covers faculty and staff while they are acting in the course and scope of their University employment. Faculty and Staff Insurance, available from the CampusConnexions Program, will provide coverage for University faculty and staff when they conduct non-job related activities in University facilities.

Tenant User Event Liability Insurance

If a faculty or staff person is using University facilities to conduct personal business, i.e. a wedding, a slide show in a classroom, a conference, etc., the University will require that the facility user carry event liability insurance. A convenient source for this coverage is CampusConnexions Tenant User Event Liability Program (TULIP). For more information about this coverage and how to obtain it, go to Faculty/Staff.

Event Cancellation Insurance

If circumstances beyond an event planner’s control result in an event’s cancellation, postponement, curtailment, reduced attendance, etc., the financial consequences can be significant. Event Cancellation Insurance offers protection against loss of revenue resulting from a variety of perils. For more information about this coverage and how to obtain it, go to Faculty/Staff.

Renter's Insurance

The University is not responsible for replacing personal property that is damaged or lost on University premises. Renter’s Insurance covers personal property that is stolen, damaged or destroyed. In addition, the policy provides some liability protection for injury or damage caused to third parties. For more information about this coverage and how to obtain it, go to Faculty/Staff.

When Foundation, Alumni, Support Groups, Emeriti, and Retiree groups use University facilities, their activities create liability exposures that the University requires them to insure. The University’s general liability insurance does not cover the activities of Foundation, Alumni, Support Groups, Emeriti, and Retiree groups. FAS/Emeriti/Retiree Group Insurance, available from the CampusConnexions Program, will cover the activities of Foundation, Alumni, Support Groups, Emeriti, and Retiree groups who use University facilities.

FAS Event Liability Insurance

The CampusConnexions Insurance Program provides Event Liability Insurance for events sponsored by qualified UC-affiliated foundations, alumni associations, support groups and emeriti and retiree groups that covers liabilities arising from their activities. For more information about this coverage and how to obtain it, go to FAS/Emeriti/Retiree Insurance.

Tenant User Event Liability Insurance

If a FAS/Emeriti/Retiree group is involved in an on-campus activity, sponsored by a third party entity, the University will require the third party entity to carry event liability insurance. Tenant User Event Liability Insurance is available from the CampusConnexions Insurance Program. For more information about this coverage and how to obtain it, go to FAS/Emeriti/Retiree Insurance.

Event Cancellation Insurance

If circumstances beyond an event planner’s control result in an event’s cancellation, postponement, curtailment, reduced attendance, etc., the financial consequences can be significant. Event Cancellation Insurance offers protection against loss of revenue resulting from a variety of perils. For more information about this coverage and how to obtain it, go to FAS/Emeriti/Retiree Insurance.

Recognized Sports Club Event Liability insurance, available from the CampusConnexions Insurance Program, covers most Recognized Sports Clubs events on and off campus. The University pays for events that are covered by the policy but Club Sports teams are responsible for registering their event and obtaining the coverage. For more information about this coverage and how to obtain it, go to Recognized Sports Club.

Registered Student Organizations (RSO) Event Liability Insurance, available from the CampusConnexions Program, provides coverage for on and off-campus Registered Student Organization events. The University generally pays for insurance for on-campus events; insurance for off-campus events must be paid by the RSO. When RSOs insure their activities through this program the RSO officers and members protect themselves from personal liability for their organization’s activities. RSOs are responsible for registering their events and obtaining the coverage; it is not automatic. For more information about this coverage, how much it costs and how to obtain it, go to Registered Student Orgs.

The CampusConnexions Insurance Program provides insurance solutions for students, including Tenant User Event Liability, Renter’s Insurance and Tuition Refund Insurance.

Tuition Refund Insurance

Tuition Refund Insurance, available from the CampusConnexions Insurance Program, can refund some of the costs of attendance, up to the policy limits, if a student is unable to complete classes due to a covered medical reason. Covered medical reasons can include illness, accident, injury, or a mental health issue. Covered expenses include tuition, academic fees, room and board, books, and other eligible expenses. For more information about this coverage, how much it costs, and how to obtain it, go to Tuition Refund Insurance.

Renter's Insurance

Renter’s Insurance, available from the CampusConnexions Insurance Program, provides coverage for loss or damage to personal property and liability coverage for injury or damage that the policyholder causes to third parties. If you own computers/laptops/tablets, smartphones, game consoles, furniture, books, bicycles, surfboards, guitars, clothing etc. you may want to consider purchasing Renter’s Insurance. If your personal property is stolen, damaged, lost, or destroyed, the University is not responsible for replacing it. Renter’s Insurance provides coverage for loss or damage to personal property, in addition to some liability protection for injury or damage caused to third parties. For more information about coverage under this insurance, how much it costs, and how to obtain it, go to Renters Insurance.

Tenant User Event Liability Insurance

If a student group uses outside caterers, vendors, and performers at an event, the University requires them to submit evidence of insurance before they are allowed to work on campus. A student group service provider can obtain CampusConnexions Vendor/Exhibitor/Performer Liability Insurance under the Tenant User Event Liability Program. For more information about this coverage, how much it costs, and how to obtain it, go to Tenant User Event Liability.

Event Cancellation Insurance

If circumstances beyond an event planner’s control result in an event’s cancellation, postponement, curtailment, reduced attendance, etc., the financial consequences can be significant. Event Cancellation Insurance offers protection against loss of revenue resulting from a variety of perils. For more information about this coverage, how much it costs, and how to obtain it, go to Tenant User Event Liability Insurance.

When individuals and outside organizations use University facilities the University will require them to have liability insurance to cover the potential liabilities that their activities create. Non-UC organizations and individuals can obtain Tenant User’s Event Liability Insurance that will meet the University’s liability insurance requirements from the CampusConnexions Insurance Program.

Tenant User Event Liability Program

If you are hosting an event on University premises, the University requires you and your service providers to meet the University’s insurance requirements. If you do not have insurance or do not have insurance that meets the University’s requirements, it is possible to obtain this coverage from the CampusConnexions Tenant User Event Liability Program (TULIP). For more information about this coverage and how to obtain it, go to Tenant User Event Liability Insurance.

Event Vendor/Exhibitor Liability

If you are not hosting an event that is occurring on University premises, but are an exhibitor or a performer at an on-campus event, you will be required to meet the University’s insurance requirements. If you are a vendor, exhibitor, or performer at an on-campus event and do not have insurance or do not have insurance that meets the University’s requirements, it is possible to obtain Event Vendor/Exhibitor/Perform coverage through the CampusConnexions Program. For more information about this coverage and how to obtain it, go to Tenant User Event Liability Insurance.

When outside organizations or individuals run camps or clinics on University property or in UC facilities, the University will require them to carry liability insurance. Outside organizations and individuals can obtain Camps & Clinics Insurance that will meet the University’s liability insurance requirements from the CampusConnexions Program. For more information about this coverage and how to obtain it, go to 3^rd Party Camps/Clinics.

Vendor/Contractor Insurance, available from the CampusConnexions Insurance Program, provides general liability insurance coverage for vendors and contractors who are working under contract for the University of California and do not carry insurance that meets the University’s insurance requirements.

Vendor/Contractor Liability Insurance will provide protection for vendors and contractors against claims of bodily injury and property damage liability for work performed on behalf of the University of California, including payment of costs to defend against such claims. In addition miscellaneous errors and omissions coverage under the policy provides protection against professional errors that result in financial harm to a third party. The cost for approved vendors is $750 for 12 months of coverage on all University of California projects. Go to Vendor Contractor Insurance Program for more information about this coverage.