Other Insurance Coverages

Aircraft Non-Owned

If you pilot a personal or a rented aircraft, you should be aware of the University's policy for using this mode of transportation when conducting University business. The employee piloting an aircraft — while permitted with authorization — is not a recommended mode of travel.
However, if you find it necessary to travel by private airplane, here's what you need to do:

Get approval. You must have approval from your dean/vice provost or director.
File a Certificate of Liability Insurance. At least 10 business days before taking off, you MUST file with the UM Office of Risk & Insurance Management a certificate of aviation liability insurance showing the Curators of the University of Missouri as an additional insured with minimum limits of $5,000,000 per seat from a carrier with an A.M. BEST rating of A-, VIII and complete a pilot history form.
Get insurance. Because the university will not be responsible for damage to the aircraft, it is recommended that you arrange for physical damage (hull coverage) insurance in all cases.

The Business Policy Manual addresses this mode of transportation in the Methods of Transportation and Allowances policy #22602.

Reporting Claims: Contact Risk and Insurance Management

Athletic Accident Insurance

This coverage provides for medical and dental payments for injuries that may be incurred by intercollegiate varsity athletes while practicing for or participating in an intercollegiate event. Coverage includes travel to and from the event. Covered events include authorized and supervised practice sessions as well as the actual intercollegiate events.

Deductibles: Deductibles vary by campus.
Reporting Claims: All claims should be reported to the following:
NAHGA Claim Services
P.O. Box 189
Bridgton, Maine 04009-0189
Toll-free: 800-952-4320
Fax: 207-647-4569

Camps and Clinics Accidents

This is an accident-only excess policy over any other available coverage. However, the first $200 of medical/dental benefits will be paid by this policy without contribution from other available insurance coverages. This coverage provides medical payments for participants in events sponsored by the University that are registered with the insurer when the event of injury or sickness occurs during the course of the camp or clinic.

Policy Limits and Rates:

Accidental Death & Dismemberment: $5,000. A $10,000 benefit applies for loss of both hands, feet or sight of both eyes.
Dental: 100% of reasonable expenses up to $1000 (Benefits paid on Injury to sound natural teeth only).
Injury: $5000
Sickness: $750
Rate for Athletic participant: 0.45/per day, per participant
Rate for Non-Athletic participant: 0.17/per day, per participant

Policy procedures:

Register your Youth Program with the Youth Program Registry.
After your camp ends, update your final attendance number in the Youth Program Registry.
There is a $40 minimum per camp 4 days or longer. No minimum on camps less than 4 days long.
Total Premium charge will be computed and a Journal Entry (JE) will charge the account you indicate.
Premium is the product of multiplying number of days, actual number of participants, and rate per participant (athletic or student).

Reporting Claims:

Please request claim forms from Risk & Insurance Management - risk@umsystem.edu.

Child Day Care Center Accidental Medical

Provides primary accident medical coverage for children in participating University of Missouri child day care centers. The accidental death and dismemberment benefit is $25,000, and the accident medical limit is $30,000.

Reporting Claims: Contact Risk and Insurance Management

Club Sports

The plans cover injuries that occur during play or practice of a Club Sports game, contest or match. Participants are covered while traveling as defined in the applicable Basic and/or Catastrophic policy.

Basic Accident Medical Insurance Plan Highlights
- A Medical/Dental benefit of $30,000 per person per covered accidental injury. Benefits are payable for covered expenses which exceed the deductible and/or for expenses not recoverable from any other insurance policy, service contractor worker's compensation coverage. Benefits are payable for expenses incurred within TWO years from the date of injury.
Catastrophic Injury Insurance Plan Highlights
- Lifetime Medical, Dental and Rehabilitation Benefits with a MAXIMUM of $5,000,000. Monthly Benefits payable if Totally or Partially Disabled. A Covered Accident Deductible (as selected by school), for medical, dental or rehabilitation expenses which must be incurred within TWO years from the date of injury. $10,000 Accidental Death & Dismemberment Benefit. Benefits are payable for covered expenses which exceed the deductible and/or for expenses not recoverable from any other valid and collectible insurance or similar benefit program. Additional Benefits for Total Disability.
Reporting Claims: Contact Risk and Insurance Management

Fidelity/Crime Insurance

This coverage provides primary coverage for loss of University money and securities including: public employee dishonesty; forgery or alteration; theft, disappearance and destruction; robbery and safe burglary; computer fraud; money order & counterfeit paper currency and credit card forgery.

Deductibles: $50,000 deductible; $100 deductible for money order and credit card forgery.
Reporting Claims: Claims are to be made by completing the Disappearance of Assets and Money, Form UM-155. These reports must be typed and submitted to the appropriate campus contact within 48 hours after notice of the incident.

Notary Bonds

There is a National Association of Notaries that offers a bonding program. For details, call 800-US NOTARY. The employee pays the premium and gets reimbursed by his or her department. Employees should not purchase the professional liability coverage.

Information about becoming a notary in Missouri

Student Health Insurance Plan

The UM System believes it is important that students have insurance while they pursue their studies in the event of an unexpected illness or injury.

Through a competitive bid process, the university is able to offer a program that adequately covers its students and meets the following goals:

Provides reasonable financial security for students in case of serious illness or accident;
Offers good benefits at a competitive cost;
Complies with the US Federal law – Affordable Care Act (i.e., no maximums on essential health benefits, no cost share for preventive care, removal of pre-existing limitations);
Meets J-1 visa requirements; and
Includes medical evacuation, repatriation, etc. – not a standard offering in health insurance plans.

While there are lower cost options and short-term plans available in the marketplace, many of them do not meet the requirements of the Affordable Care Act and have several limitations (i.e., will not cover pre-existing limitations, do not have unlimited maximums and have several exclusions).

Health care in the US is very different than health care in other countries. Many countries have a universal health program in place and the cost of care is much less than in the US. Similar to other universities, enrollment in the plan is required for international students (unless the student is eligible for a waiver).

The UM System’s student insurance program is reviewed each year to make sure it offers the best program for its needs at a competitive price. Research shows that when comparing the UM System’s plan to other universities in the Urban 13 and SEC, the benefits are competitive while the premium is lower than most. In addition, the university periodically markets the plan to make sure we keep the plan competitive

The university provides access to an individual student insurance plan. The program is available to any registered student of the University and offers spouse and dependent coverage for additional premiums. You can obtain further information by visiting https://student.anthem.com/student and selecting “Student” and entering Missouri in the “Where is your school name” search to get the college selection to see plan details for your campus.

Reporting Claims: Claims should be filed with Anthem Student Advantage. Please refer to the Web site or call customer service at 1-833-332-0798.

International Travel

We have secured services and insurance for authorized international business travel for faculty and staff at no cost while on official international business travel. This insurance is separate from your employee plan. Your employee plan can be used but any out of country treatment will be considered out of network and has the applicable deductible. The employee plan cannot provide a guarantee of payment some providers require in other countries.

AIG Travel Guard

Please use this VISA LETTER as proof of coverage for visa applications that require proof of evacuation and repatriation coverage. The U.S. Department of State has a site with country specific information including if a visa is needed for your destination.

Please download and take with you during your travel the AIG Travel Guard. Note: The policy number is not individual specific and there are coverage/local exclusions*.

Overview: AIG Travel Guard provides insurance and services during international travel:

AIG Travel Guard provides 24-hour travel, medical and security-related assistance services to you while traveling.

All Coverages and Benefits are in U.S. Dollar Amounts and subject to terms of the Policy
Benefits	Maximum Benefit Amount Principal Sum
Travel Arrangement Protection
Accidental Death & Dismemberment Accident & Sickness Medical Expense Emergency Medical Evacuation & Repatriation of Remains	$10,000 $300,000 $1,000,000

*AIG Travel Guard program excludes coverage in the State Department “do not travel” locations or ones in evacuation status as well as OFAC countries. The main 5 OFAC remain as follows:

Crimea Region
Cuba
Iran
North Korea
Syria

Note: **For faculty and/or staff traveling internationally, workers’ compensation could also apply so if injured you should still report this to your supervisor and in turn to our office. There are areas that our coverages for liability and workers’ comp are excluded such as Afghanistan, Iran and a host of others. There are some locales excluded from coverage under our primary workers’ compensation and liability programs, these include:

Afghanistan
Algeria
Belarus
Burma
Burundi
Central African Republic
Chad
Cote D' Ivoire
Cuba
Eritrea
Guinea
Iran
Iraq
Lebanon
Libya
Mauritania
Niger
North Korea
Pakistan
Somalia
Syria
Tunisia
West Bank & Gaza
Yemen
Zimbabwe

Travel to any of these locations should be reviewed and approved in advance by the appropriate campus contact in discussion with Risk Management.

Should you need assistance, call the country specific number - An assistance coordinator will ask for
- your name
- your company or group name (The Curators of the University of Missouri)
- a description of your situation
If the condition is an emergency, you should go immediately to the nearest physician or hospital immediately and then contact the 24-hour Emergency Response Center. AIG Travel Guard will then take the appropriate action to assist you and monitor your care until the situation is resolved.

Note: This coverage is separate from your employee plan. Your employee plan can be used but any out of country treatment will be considered out of network and has the applicable deductible. The employee plan cannot provide a guarantee of payment some providers require in other countries.

Student International Travel

The university has an agreement for Health Insurance for students traveling internationally on University related trips. Purchase of the international accident and sickness coverage from GeoBlue is mandatory. Links can be found from the International Centers on each campus’ website.

Coverage for emergency security evacuations and transportation is provided separately by AIG Travel Guard. Work with your campus international center for appropriate registration.

(Reference: CRR 210.070 Guidelines for University of Missouri Related International Programs)

Guideline on Student or Other Participant International Travel or Study Abroad

In an effort to foster the health, safety and security of its students and other participants, the University of Missouri reviews how, when and where students may travel or study abroad and considers issues of terrorism, war, disease and other risks to travelers. Accordingly, the universities observe the following practice: if the U.S. Department of State issues a travel advisory level 3 (reconsider travel) or 4 (do not travel) for a particular country or region and/or the U.S. Centers for Disease Control and Prevention issues a level 3 warning international travel or study abroad programs may be suspended or canceled for our students of any nationality in that site while the advisory is in effect. In addition, the university may at its discretion consider additional sources of information including but not limited to travel advisories from other countries, information from the World Health Organization (WHO) and other relevant material and advice in making decisions to cancel or suspend international travel or study abroad programs. Each campus administration should formally review travel advisories and CDC travel notices for countries or regions with current or proposed travel or study abroad programs to determine if program suspension or cancelation is warranted. If a student or participant chooses to study in one of these countries or regions against the advice of the university, he/she may not have access to university support, resources or facilities during that time.

The University of Missouri does not support study abroad programs to countries or regions for which U.S. Department of State have issued travel advisories level 3 or 4 or U.S. Centers for Disease Control and Prevention level 3 warning without a review of whether or not the advisory impacts the risks associated with the programs.

Reference: CRR 210.070

Travel Advisory from the State Department

The Department of State has launched new Travel Advisories and Alerts to make it easier for U.S. citizens to access clear, timely, and reliable safety and security information about every country in the world.

For more details and FAQs, please visit travel.state.gov/travelsafely.

If you have any questions not addressed in these pages, you can reach us via email (risk@umsystem.edu) or our main phone 573-882-8100.

Risk & Insurance Management Home

Venue/Special Event Coverage

Individuals and outside organizations may hold events at University of Missouri facilities provided they:

Follow the campus protocol for reserving/space use – Obtain written permission from the facility in charge of the space they wish to use
Provide the evidence of insurance (Certificate of Insurance) for the event, General Liability of $1,000,000/ per occurrence and $3,000,000. Aggregate, other coverages may be required such as liquor liability (see notes below) to the venue manager along with the event name, date and facility to be used.

Prior to the event you must deliver a Certificate of Insurance to the facility/representative in charge of the space. The Certificate should be accompanied by a note listing the name of the event, the date of the event, and the location of the event (since some departments control multiple venues).

If you already have insurance coverage, please have your insurance company send the facility in charge of the space a Certificate of Insurance with the following specifications:

You or your company (the facility renter) must be listed as the Insured
The officers, employees, and agents of The Curators of the University of Missouri are to be named as “Additional Insured”
The Insurer/Producer name and contact information must be on the Certificate
The policy start and end date must encompass the entire length of your event
The policy must include General Liability coverage of at least $1,000,000; higher limits may be required depending upon the activity.
The Certificate of Insurance must provide 30 days’ advance written notice for any modification, change, or cancellation of any component of the insurance coverage.

Reporting claims: If a participant from an event wants to file a claim they should contact the Renter/event organizer to file a claim with their carrier. The Campus should complete the University incident form and file as normal. The Campus incident form should be submitted with a copy of the insurance certificate through normal channels.

If you DO NOT have insurance coverage of your own, you may obtain coverage by contacting your agent/broker or companies such as HUB International to obtain an application and coverage quote.

Organizations/groups needing coverage for an off-campus event may also contact their agent/broker or companies such as HUB International for an insurance quote for the event.

To obtain a quote from HUB International:

Submit the application via email or fax directly to HUB International. A quote will then be sent to you, usually within 72 hours of application receipt.

Submission of this application does not guarantee coverage. Completion of these forms confirms your desire to obtain insurance coverage through the Special Event Liability Group Insurance Trust. Coverage will be bound for your requested dates upon receipt and approval of your completed application and payment of premium.

Insurance coverage can only be bound by the Administrator of the Purchasing Group, after review and approval.

After review and approval of your completed application, you will receive a quotation by email, fax or mail (please indicate preference on application). If you accept HUB’s quotation, please make arrangements for your payment to reach their office PRIOR TO THE EVENT DATE. HUB accepts credit cards, cashier's checks and money orders; no personal checks. PLEASE CALL HUB TO PAY BY CREDIT CARD. Upon receipt of your payment, a Certificate of Insurance will be emailed, faxed, or sent to you by mail.

Note: HUB is unable to offer a quote or indication over the phone. Eligibility and premium cannot be determined without the details outlined in the application.

HUB International
2300 Clayton Road, Suite 300
Concord, CA 94520
Phone: 925-609-6500
Fax: 925-609-6550
Email: specialevent@hubinternational.com

HUB Coverage Overview

HUB Claim Instructions

If an event participant wants to make a claim from an event covered through the Special Event Liability Group Insurance Trust, refer them to the event organizer to file the claim.

Campus incident form should be submitted and the Renter completes the HUB claim form:

A completed "Report of Injury or Loss" notice. Please obtain information contained in the attached form and mail or fax to HUB International, 2300 Clayton Road, Suite 300 Concord, CA 94520; FAX: 925-609-6550 within 24 hours or immediately if serious injury or death has resulted. If information is not complete, DO NOT DELAY. Many details can be obtained later.

A copy of the certificate of insurance issued to the event holder covering the event.
A copy of any incident, accident, or loss report taken at the time of the incident.
DO NOT admit liability to anyone.
DO NOT offer your opinion to anyone.
Claim Report Form (DOC )

Reviewed 2024-03-07