Basic Property Insurance

The university is self-insured to protect departments from theft, loss, or property damage. Read about items and events that qualify for coverage and find out how to submit a claim.

All UCSD departments automatically have basic property insurance to protect their belongings from loss or damage.

Items qualify for coverage if they are:

• Owned by the university (items are covered worldwide)
• Valued, minus depreciation, at more than the deductible
• Damaged or lost due to a limited list of situations, including:
  • Fire
  • Windstorm
  • Hail
  • Explosions
  • Riots
  • Vandalism
  • Certain kinds of theft
  • Certain kinds of water damage

Departments are responsible for paying deductibles, as follows:

• Theft:
  • Forced entry: $1,000 per occurrence
  • Non-forced entry: $5,000 per occurrence
• Fire or flood damage: $5,000 per occurrence
• Domestic transit (claims under $100,000): $250 per occurrence
• Other situations (including accidents, vandalism, etc.): $1,000 per occurrence

Some costs incurred after an incident may also be covered, including the following:

• Demolition costs
• Overtime pay
• Storage costs

These items and costs are not covered:

• Employees' personal property
• Research material
• Moving costs
• Regular payroll
• Repairs to the source of damage

Note the following guidelines and restrictions:

• Damaged equipment must be repaired, if possible.
• If the item can't be repaired, you must submit verification from an outside vendor with your claim.
• Items that are lost or can't be repaired will be replaced only with items of like kind and quality.
• If an item can't be repaired or replaced, the department will receive the item's actual cash value (as determined by Risk Managment).

Claims: Notify Risk Management, (858) 534-2454, as soon as possible. Step-by-step instructions for the claim process:

• How to File a Fire or Flood Claim
• How to Report Theft, Loss, or Damage to Property

Loss prevention: Contact Risk Management, (858) 534-2454, for information about loss control measures and free security surveys.

UCSD policy: For additional details and exclusions, see Business and Financial Bulletin (BUS) 28, the official document for UCSD's property self-insurance program.

Notice: When a loss occurs, notify EH&S Risk Management, (858) 534-3820, immediately to promptly initiate the insurance investigation and claim process. Use pager number (858) 583-3302 for emergencies only. Take a picture if a camera is available.

Safety

Automatic Coverage

• Basic Property Insurance