Insurance Coverage

The University’s liability coverage is provided through the State of Idaho’s public liability insurance program and provides coverage for most claims allowed by the Idaho Tort Claims Act (Idaho Code 6-901). General Liability insurance protects the University from bodily injury or property damage to third parties such as students or visitors.

Property

Property Insurance Overview

The University’s insurance program through the State of Idaho includes property coverage. Within each tab you will be able to better understand frequently asked questions and how to implement some tips for loss prevention.

University Property

Coverage is provided for University property including University-owned buildings and contents. Typically, claims are covered for risk of fire, water, weather, and theft. Examples of excluded perils include, but are not limited to, fraudulent or dishonest acts committed by employees, the cost of correcting defective design or faulty workmanship, ordinary wear and tear, and poor maintenance.

Note: If property damage or loss occurs, a $100 (Inland Marine), $2,500 (Major Property) or $5,000 (Mechanical/Electrical Equipment Breakdown) deductible may apply.

Inland Marine

This is an optional coverage similar to the Master Property Insurance Policy which is used to insure property subject to theft, breakage, or property that is frequently transported. Items must have a replacement value between $100 up to $2,500 and carries a $100 deductible per incident for each accepted claim. To add items, complete the Inland Marine (IM) Additions form and submit to Risk Management and Insurance (RMI). In the event of a claim, please have proof of purchase and serial number or Identification number available.

*IMPORTANT* You are responsible for keeping track of your Inland Marine list and reporting new additions for coverage. We highly encourage keeping an inventory of both Additions and Deletions for items that no longer need to be insured.

The following items are not eligible for Inland Marine coverage:

Major Property or Buildings.
Automobiles or vehicles licensed for the road.
Mobile equipment of any nature (mobile equipment is any motorized equipment not licensed for highway use).
Consumables.
Property held in inventory (items discovered missing after an inventory check).

In the Event of Damage and/or Loss

Complete a Property Damage/Loss Report. Be sure to include the serial number and/or any other identifying information on the Property Damage/Loss form.
Losses from theft, vandalism, or other crimes must be reported to Campus Security/Boise Police Department at (208) 426-6911 or within the local jurisdiction.
Obtain estimate for cost repair. If item is not repairable, statements and supporting evidence indicating why the item cannot be repaired are required. Non-repairable items require estimates for replacement. Estimates must be for a similar or like item. Keep the salvage for inspection. Forward estimates for repair (or statements of non-repair and replacement estimates) to kristimurphy@boisestate.edu
If you have additional documents such as photos, receipts, reports or statements, please send those to kristimurphy@boisestate.edu referencing the property damage/loss.

Property In Transit

The University’s insurance program offers coverage for property losses within the United States. Equipment and supplies, transported by various modes of transportation, are covered for “all risks” except as specifically excluded (i.e., property is covered for losses from any cause unless that cause is specifically listed as an exclusion) while being transported within the U.S.

Certain types of property in transit, especially electronic devices, are targets for theft. If your department is transporting very expensive items (over $2,000), please notify Risk Management to assure the proper coverage amount.

If a moving company is used for a departmental move and damage occurs, procedures may require that a claim first be submitted to the moving company’s insurance. If denied, a claim may be submitted to University insurance, but must include the mover’s insurance company’s written, detailed explanation of their denial of coverage. Contact your move coordinator for your move’s specific procedures.

Transit property insurance has replacement cost coverage subject to a $2,000 deductible per covered loss. The $2,000 deductible is the responsibility of the applicable University department.
Since there is a $2,000 deductible we recommend University departments purchase property insurance with the preferred shipping company up to that $2,000 amount.
Transit Insurance covers University owned property shipped by auto or air such as UPS, FedEx, etc. but not the U.S. Postal Service unless the property is shipped by Registered mail (due to cost not recommended).

We Recommend . . .

University departments not accept responsibility for property insurance coverage and/or liability for property (goods) until we actually receive the property and it is within our care, custody and control, unless absolutely necessary. Doing otherwise can hold us responsible for property before we have received it. Normally, the owner of the property should be responsible for their property until its possession is transferred to the University. Should any questions arise about who should be responsible for this property prior to our receipt, please contact our RMI Office.

Before arranging any transit shipment abroad that would use a boat/ship conveyance, contact our Risk Management and Insurance Office first. There are specific insurance policy conditions and terms that need to be reviewed before insurance coverage can be confirmed.

Transit coverage for non-owned (borrowed or loaned) property.

Non-owned University property (borrowed or loaned) while within the care, custody or control of the University, including rental property, can be insured for transit insurance coverage with the following guidelines:

Non-owned University property can only be insured if it is mutually agreed to in writing by the owner of the property and the University. See Non-owned/Loaned Property Agreement Form.

Non-owned University property for transit coverage must first be reported to our RM&I office, and separately scheduled for insurance coverage. We need to know the following information:

Receipt of the written agreement or contract requiring the University to insure the property in transit.
The general description of the property
The replacement cost value of the non-owned property
The dates of transit
The name, address and phone number of the party receiving the transit shipment.

Personal Property

Generally, personal property of employees, and especially students, is not covered by the University’s insurance program and it is highly recommended that students have personal homeowners insurance. Because of this, keeping personal items in your office is discouraged. Personal items which would not be covered include pictures, radios, tv’s, nick-knacks, collectibles, etc. Great care should be taken to lock up personal items including wallets and purses, anytime you step out of the office. If possible, lock your drawers, door and/or office. It takes mere seconds for vandals/thieves to commit an act.

Immediately call Campus Security/Boise Police Department at (208) 426-6911 or 911 in the local jurisdiction, to report theft or vandalism. If you are using personal equipment that is an integral part of your business at the University, there may be coverage, to report a loss of this type please file a Property Damage/Loss report to Risk Management and Insurance. If you do experience a loss to your personal property, we suggest reporting the loss to your own insurance carrier.

Fine Art

Fine Art/ Museum Insurance is coverage for paintings, etchings, pictures, tapestries, art glass windows, valuable rugs, statuary, marbles, bronzes, antique furniture, rare books, antique silver, manuscripts, porcelains, rare glass, bric-a-brac, and similar property of rarity, historical value, or artistic merit. This insurance is for Boise State University owned and non-owned property. Fine Art insurance carries a $500 deductible. This is not automatic coverage. Items must be reported prior to loss, to be considered for coverage.

Add/Delete Items to Fine Art Insurance

To add or delete items to Fine Art Insurance complete the Fine Art Add/Delete Insurance form and email to Risk Management and Insurance (RM&I) at rmi@boisestate.edu

In the Event of Damage and/or Loss

Complete a Property Damage/Loss Report and submit to kristimurphy@boisestate.edu. Be sure to include the serial number and/or any other identifying information on the Property Damage/Loss form.
Damage/Losses from theft, vandalism, or other crimes must be reported to Campus Security/Boise Police Department at (208) 426-6911 or within the local jurisdiction.
If you have additional documents such as photos, reports, or statements, please send those to kristimurphy@boisestate.edu, referencing the specific damage/loss incident.

Vehicles and Drivers

Coverage

Vehicles owned, leased or rented to Boise State University are covered by either our self-insurance coverage or a commercial insurance program. University faculty, staff and student employees are primarily covered while driving vehicles owned, leased or rented to Boise State University and while use of such vehicles is within the course and scope of their employment. Please refer to Policy #9040 – University Vehicles for further details, including driver, vehicle and training requirements.

Driving Your Personal Vehicle

If you choose to drive your personally owned/leased/rented vehicle for University business, Boise State University and Idaho State law require you carry a valid driver’s license and at least minimum liability insurance on your vehicle.

The University’s insurance policy does not provide primary liability coverage for employee’s personal vehicles, your auto insurance is the primary. Please discuss with your supervisor if this is the appropriate method of transportation.

Visit our Forms page to review and complete the Driver Expectations Form and our Auto-Personal Vehicle form. Completed copies should be saved and stored within the department (copies do not need to be sent to Risk Management unless an incident/accident occurs).

Rental Vehicles

Boise State University is a preferred customer of Enterprise Rent-A-Car and it is mandatory that Enterprise be used whenever possible. Before making rental reservations, please review the Car Rentals Contract.

*IMPORTANT CHANGE* For off paved road use, the University’s contract rental car rates with Enterprise Car Rental no longer include automobile physical damage (collision damage waiver) and automobile liability insurance protection for University employees renting cars on University business.
Always use the State’s contract ID number.
The rental car contract is for the entire USA, it does not include Canada.

For Other Rental Car Companies (when mandatory companies are not available or cannot be used):

If vehicles are not available through one of the preferred rental companies, then a department can rent from other rental agencies. When renting from non-preferred agencies, the “Collision Damage Waiver” (CDW) coverage must be purchased.

Deductibles:

Preferred: $1,000
Non-Preferred: $2,500

Questions regarding the University’s vehicle rental car coverage should be directed to Enterprise Car Rental/National, Hertz or contact, Risk Management and Insurance at (208) 426-3636 or email risk management.