风险管理的作用是保护和保存人类, 内布拉斯加大学科尔尼分校的财产和财政资源. 为此，大学采用多种方法来管理风险, 包括自保和商业保险. It is important that all faculty and staff understand their defined responsibilities in the Risk Management program to protect and conserve the assets of 大学. 风险管理部负责协调涉及物业的各种计划, Students, 以及整个校园的人员. 在取得和续保过程中, 商务服务部将与各办公室或部门联系和合作，以获得必要的信息，以确保适当的报道. 一旦获得覆盖, 在某些情况下, 一个或多个部门可能负责该计划的日常管理. 以下是保险计划的列表，以及计划实施后负责日常活动的人员.
大学保险计划
保险计划
负责的部门
网络责任与违约
内布拉斯加大学
一般责任
业务服务
财产
业务服务
车辆(物理损伤)
业务服务
车辆(责任)
大学车队管理
Students运动员
体育运动
Students健康
Students健康 & 咨询
Students国内旅游
业务服务
Students国际旅行
国际教育
员工国际旅行
业务服务
工人的补偿
设施/人力资源
航空/无人机
业务服务
医疗事故
业务服务
托儿所
业务服务
本网站的信息旨在总结内布拉斯加大学科尔尼分校的风险管理资源. Every effort has been made to ensure this information is accurate; however, it is not intended to replace any insurance program documents which contain complete information regarding 大学’s insurance programs. 如果本网站与大学的保险计划文件之间存在任何差异, 以学校的保险计划文件为准.
网络责任与违约
内布拉斯加大学信息技术服务实施政策, 评论, guidelines and programs to create a safe and secure environment that minimizes risk and enables 大学 community to perform its necessary duties. 除了, 大学 carries breach response and cyber liability insurance to assist with specific incidents and losses for all University campuses.
The University thoroughly 评论 third-party technology vendors security practices and insurance coverages to mitigate the specific risks associated with any University program or initiative. 这些供应商必须提供技术/专业责任保险，包括网络责任保险. Exceptions to this requirement are evaluated by 业务服务 and 内布拉斯加大学 资讯科技服务 on a case-by-case basis.
一般责任
The University has a self-insured comprehensive general liability program which provides coverage for claims of bodily injury and property damage against 大学 arising out of the negligent actions of the University.
外部组织, 包括所有签约服务提供商, 不包括在大学的一般责任计划内，并且必须提供一般责任保险的证明(i.e., a certificate of insurance) covering the applicable event/service and naming the Board of Regents of the 内布拉斯加大学 as an additional insured and evidencing coverage with a limit of not less than $1,000,000合并单次限额和$3,000,人身伤害和财产损失的总总赔偿. 可能需要额外的保险，并将由商务服务部通知部门. 这些需求的例外情况由业务服务根据具体情况进行评估.
The University participates in additional insurance programs through third-party providers and the State of 内布拉斯加州 to provide additional coverage. 有关这些策略的详细信息可以通过联系业务服务获得.
员工 using personal vehicles while conducting University business will have their personal auto insurance coverage as primary coverage, 大学保险计划可以提供二次保险(超过主要保险). 一般, 在使用私人车辆处理大学事务时发生意外, 学校的保险将涵盖个人汽车保险的任何免赔额, 假设雇员的行为不是过失.
租赁车辆
Rental vehicles being used for University business and rented in 大学’s name are generally covered by 大学’s liability insurance. 尽管, 作为大学合同提供者, 企业提供全面的碰撞损害豁免和责任保险. 当租用车辆使用企业, Enterprise’s insurance serves as the primary coverage and 大学 insurance serves as secondary coverage (excess over the primary coverage). 只要有可能, 租赁车辆按照学校与企业签订的合同办理.
Student Travel Insurance is provided by 大学 for Students traveling as a representative of 大学 and is required for all student travel outside of the city limits of Kearney, 内布拉斯加州. This insurance provides additional coverage for Students should an accident occur with the student’s personal insurance serving as the primary coverage. Students旅行保险表格必须在出发前填写，以便为Students提供保险. 所有填妥的表格将以电子方式提交给商务服务部，不需要提供实体副本.
大学为Students运动员提供二级健康保险. This policy generally covers medical expenses arising from athletic injuries in excess of any other available accident/health insurance provided that the required policies and procedures have been followed. 大学通常会在Students运动员满足所有基本健康保险免赔额和共同支付后支付费用. This coverage will continue six (6) months after the student-athlete’s athletic participation concludes if the student-athlete was previously treated by University Sports Medicine 工作人员 during their athletics program participation.
大学政策有限制，可能不会全额支付所有费用. The University has established a network of physicians and facilities to provide medical services to all student-athletes while they are participating in intercollegiate athletics at 大学. 所有服务(e).g.、第二意见、物理治疗服务、诊断测试等.) outside of 大学 physicians’ network must be approved by 大学 Sports Medicine staff in writing prior to date of service to be considered for payment. 未经书面批准, 所有医疗费用由Students运动员承担.
大学的一般责任保险和汽车责任保险计划为责任索赔(包括所谓的错误)提供保险, 遗漏, 或忽视)让Students参与训练, while acting for or on behalf of 大学 or when rendering services to another as part of his or her teaching or training by 大学. 外部站点的保险证明请求可以通过以下链接发送到业务服务:
注册Students组织及其个人成员不在学校的责任保险范围内. Additional insurance will need to be obtained by these organizations for events and activities of higher risk conducted by the organization and its members.
员工 subject to the provisions of the Worker’s Compensation Act shall be entitled to coverage in accordance with the Act if they suffer illness or injury arising out of and in the course of their employment. This protection provides payments of all reasonable medical expenses incurred and loss of time from the job to the extent provided by law.
Unmanned Aircraft Systems (“drones”) are considered aircraft according to the National Transportation 安全 Board and must follow Federal 航空 政府 rules and 规定. 随着科技的进步, 使用无人机作为教育工具的新机会不断出现, 市场营销, 研究和推广. 大学为使用无人机用于大学商业目的提供保险. 此外，大学有 无人驾驶飞行器/系统政策和程序 监管和减少与无人机使用相关的风险.
All University employees and departments must register their drones with 业务服务 prior to any use to ensure proper coverage and approval is obtained. 非员工想要驾驶无人机进来, above or in close proximity to University facilities and property must contact 业务服务 to receive required approval in accordance with Federal 航空 政府 and University rules, 规定, 和政策.
The University carries accident insurance for all incidents related to the negligence of 大学 concerning operations of the Plambeck Early Childhood 教育 Center. 索赔由第三方保险公司进行审查和处理. 所有索赔必须在事件发生后立即报告给业务服务部门.
