General Liability

Liability

Departments engage in many activities that have the potential to increase the University's exposure to risk.  Contact Risk Management at extension 7677:

• In any situation when the university's insurance coverage or liability is in question.
• Before planning a special project or event, to verify if insurance coverage is provided or is required. Please refer to the Student Activites Risk Management Assessment to assist you in your event planning.
• Before hiring an outside contractor or vendor who uses hazardous materials or equipment.

 USD organizations do not need proof of insurance to host events on campus.  They are covered by the University.  The one exception to this is the Greek Organizations who are insured through their national chapters.
 
When USD co-hosts events or allows outside organizations to host events on campus,  the outside organization is required to provide a certificate of insurance for commercial general liability insurance naming USD as an additional insured.  In a co-host situation, the outside organization usually will require the same from USD.  Follow the steps in the next section to acquire this.

Contracts and Certificates of Insurance:

• Any person negotiating a contract that binds the University legally, or includes any provisions for insurance coverage, should first review it with Legal Counsel.
• Prior to using off-campus facilities for special events, classes and seminars, the owner of the facility often requests USD supply them with a certificate of insurance naming their organization or company as additional insured.  The sponsoring department may obtain the certificate of insurance by completing the Request for Certificate of Insurance  and faxing it to the number shown on the form.  The following information will be required:
• Name of party to be named as "additional insured.
• Name and location of facility to be used.
• Name of facility contact person, mailing address, fax and phone numbers.
• Amount of coverage requested, if known.
• Date of event and length of time facility is to be used .
• Activity or purpose.
• Name and contact information of USD employee arranging event.

Contact Risk Management (7677) for further assistance as needed.

Outside vendors and contractors

When an independent contractor or supplier provides goods or services to the University, a certificate of insurance may be required with an attached endorsement stipulating that the University of San Diego is the additional insured. The certificate is sent to the department seeking the services of the contractor or supplier and a copy must be forwarded to the Risk Management Office. An outline of minimum insurance requirements for vendors has been developed. Please see Vendor Insurance Requirements for coverage requirements.

Tenant User Liability Insurance Policy (TULIP)

Persons or organizations who wish to utilize USD facilities must provide proof of general liability insurance with minimum limits of $1million per claim.  If the event will involve minors, the insurance must include sexual molestation defense coverage.  USD must be named as an additional insured on the policy.   If the organization does not carry this type of coverage or this minimum limit, they may purchase appropriate coverage through a recognized vendor. Click here for further information and the access code.

International General Liability Insurance Coverage:

The University provides general liability coverage for damage to property of others that occurs during the course of international programs.   The Risk Management office must be notified as soon as feasible of all damage to property of others and the potential for claims.

Travelers to Mexico should print a copy of the Mexican General Liability Certificate and take this with them during their travels.  It may be necessary to show this form to Mexican police to avoid incarceration.