Automatic Coverage
Learn about the liability insurance programs that automatically cover all UC San Diego departments.
The insurance programs below are automatically in place for all departments. No enrollment forms are necessary.
Review these automatic liability insurance programs—including their limitations and exclusions—to determine if your department needs additional coverage to protect against loss.
Read Does Your Department Have Adequate Insurance Coverage? for more information.
Basic property
All UC San Diego departments automatically have basic property insurance for theft, loss, or property damage.
What's covered
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
Deductibles
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
Incidental coverage
Some costs incurred after an incident may also be covered, including the following:
- Demolition costs
- Overtime pay
- Storage costs
What's not covered
These items and costs are not covered:
- Employees' personal property
- Research material
- Moving costs
- Regular payroll
- Repairs to the source of damage
Guidelines and restrictions
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).
How to file claims
Notify Risk Management, (858) 534-2454, as soon as possible. Step-by-step instructions for the claim process:
Loss prevention
- Contact Risk Management, (858) 534-2454, for information about loss control measures and free security surveys.
- See Does Your Department Have Adequate Insurance Coverage?
Related policy
For additional details and exclusions, see BUS-81 (PDF) Insurance Programs, the official document for property self-insurance.
Crime
Coverage for:
- Employee dishonesty
- Forgery or alteration
- Theft
- Disappearance and destruction
- Robbery and safe burglary
Domestic transit
En route coverage for property being shipped to or from the university. Coverage is effective only within the United States (not including Alaska and Hawaii) and Canada. Read Shipping: Transit Insurance for detailed information.
For coverage to Alaska and Hawaii (foreign transit), see By-Request Coverage.
General liability
Coverage for claims made against the university by members of the public or organizations who allege they have suffered injury or property damage.
For personal vehicle collisions on university business, this policy is secondary to the vehicle owner's personal liability policy.
Related resources:
- Personal Vehicle Use for UC San Diego Business
- BUS-81 (PDF) Insurance Programs
Medical professional and hospital liability
Coverage for malpractice claims brought against the university's medical professionals (including students). Coverage for claims arising from the operation of the UC San Diego Medical Center and Student Health Center.
Related resources: BUS-81 (PDF), Insurance Programs