OU Administrative Policies
and Procedures

Police & Support Services, Room 13
201 Meadow Brook Road
Rochester, MI 48309-4482
(location map)

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Exhibit A - Insurance Allocation/Expense Matrix

EXHIBIT A: Insurance Allocation/Expense Matrix

Insurance/Administrative Expense

Allocation Methodology

Unit Expense Allocation

Deductible Assessed

Percent of Deductible Apportioned to Claim

Non-Auxiliary Unit

Auxiliary

1

Administrative Expense: Michigan Universities Self-Insurance Corporation (M.U.S.I.C.) Program - Covers costs associated with annual M.U.S.I.C. service providers' fees.

Square Footage

MBH
Golf Course
University Housing
Oakland Center
Non-Auxiliary Unit

N/A

N/A

N/A

2

Auto Liability: Covers legal defense and damages (including bodily injury and property damage) as a result of an accident in a university owned/leased vehicle. Does not cover employee personal vehicles. (Note) Michigan Assigned Claims Administrative Cost is included in the allocated premium.

Per Vehicle Exposure

(Varies)Per number of vehicles owned/leased by individual departments

No

N/A

N/A

3

Auto Physical Damage (aka comprehensive and collision coverage): Property damage to /theft of university owned/leased vehicles. Does not cover employee personal vehicles.

Per Vehicle Exposure

(Varies) Per number of vehicles owned/leased by individual departments

Yes

100%

100%

4

Cyber: Covers events of data loss and computer fraud, including liability for data breach associated with technology services or products, theft, loss or unauthorized disclosures of Personal Identifiable Information.

Not Allocated

N/A

Yes

100% & for Negligent claims: 100% of deductible plus $10,000 Penalty Assessment

100% & for Negligent claims: 100% of deductible plus $10,000 Penalty Assessment

5

Errors & Omissions: Covers Legal defense and damages related to claims involving breach of contract, discrimination, whistleblower, etc.

Salary Exposure

MBH
Golf Course
University Housing
Oakland Center
Non-Auxiliary Unit

No

N/A

N/A

6

Fidelity & Crime: Covers the University for crimes related to: employee dishonesty, forgery or alteration, computer fraud, fund transfer, credit card, money and securities, money orders and counterfeit money

Square Footage

MBH
Golf Course
University Housing
Oakland Center
Non-Auxiliary Unit

Yes

10% of current deductible

100%

7

Fine Arts: Covers theft of/damage to paintings, etchings, pictures, tapestries and other bona fide works of art.

Total Insurable Values

MBH
Non-Auxiliary Unit

Yes

10% of current deductible

100%

8

Foreign Liability: Covers costs the University may be legally obligated to pay for third party claims that result in personal injury and/or property damage while abroad.

Not Allocated

N/A

Yes

10% of current deductible

100%

9

Foreign (Study Abroad) Travel: Covers students and accompanying faculty, staff, guests and volunteers who are part of an education abroad experience or conducting approved international travel for the expenses related to medical evacuation, repatriation, political and/or natural disaster evacuation.

Not Allocated

N/A

No

N/A

N/A

10

General Liability (including miscellaneous healthcare professional and law enforcement): Covers legal defense and damages related to personal injury and/or property damage claims.

Square Footage

MBH
Golf Course
University Housing
Oakland Center
Non-Auxiliary Unit

No

N/A

N/A

11

Medical Malpractice: Coverage for legal defense and damages related to alleged erroneous acts of physicians, medical students, and miscellaneous medical professional students.

Medical Professional

Exposure

School of Medicine
Non-Auxiliary Unit

No

N/A

N/A

12

Multi-Media Liability: Covers legal defense and related damages (personal injury) related to publications, newsletters, advertising, broadcasting, internet sites, etc. which the University operates.

Not Allocated

N/A

Yes

10% of current deductible

100%

13

Non-Owned Aviation: Covers amounts the University may be legally obligated to pay for bodily injury/and or property damage resulting from the use of non-owned aircraft.

Not Allocated

N/A

No

N/A

N/A

14

Premises Pollution Liability: Covers legal defense and clean-up costs associated with a pollution condition attributed to the University.

Not Allocated

N/A

Yes

10% of current deductible

100%

15

Property: Theft of/damage to university owned property, property in transit or property loaned to university.

Total Insurable Values

MBH
Golf Course
University Housing
Oakland Center
Non-Auxiliary Unit

Yes

10% of current deductible

100%