Foreign Travel
Foreign Travel Liability Insurance Program (FTLIP) Summary:
This insurance is available for purchase by traveling faculty, staff,
and students participating in academic related activities. It addresses
the financing of losses related to foreign travel and is intended for
short-term foreign travel.
Background:
Existing general liability and workers’ compensation insurance coverage
may not provide adequate protection against litigation brought in
foreign countries or for injury or illness experienced by faculty or
staff in foreign countries. FTLIP provides critical primary coverage
for otherwise uninsured exposures for the University, which includes:
1) General Liability:
Existing university general liability financing provides coverage up to
$1,000,000 general aggregate limit and FTLIP primary coverage for the
University with a zero deductible.
2) Automobile Liability Coverage:
Existing university automobile liability financing provides coverage
that is not limited to the USA. FTLIP provides $1,000,000 foreign
commercial auto liability primary coverage for hired and non-owned (by
the University) standard passenger vehicles and their operating with a
zero deductible.
3) Workers’ Compensation:
FTLIP provides $1,000,000 primary coverage for employees with a zero deductible.
Cost of Coverage:
The FTLIP is provided as a package, which includes all coverage and
services for a premium that is based upon factors that include the
destination, number of participants, and number of days of travel.
Coverage is subject to a minimum premium of $500 per trip.
The cost of this insurance premium is the responsibility of the requesting academic department or administrative unit and is not automatically applied to foreign travelers. Additionally, FTLIP provides accident and sickness medical services coverage for students participating in the foreign travel insurance program, excess of any primary coverage they may have. Since FTLI P coverage is a pay-as-you-go program, you must contact Risk Management & Safety at x4502 for further assistance.
