California State University San Marcos participates
in the system wide CSU Risk Management Authority risk pool. The risk pool
is funded by premium contributions from each of the CSU campuses. A
campus' level of contribution to the risk pool is based upon a number of
factors, including loss history. The campus, as a community, works
together to minimize the losses sustained and thereby maintain a reasonable cost
for the benefits of the risk pool.
The CSURMA risk pool provides coverage for
the following. Contact Risk Management & Safety at ext. 4502 for information about
current policy limits.
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Public Entity Liability: |
Errors & Omissions
Educator's Legal Liability
Medical Malpractice
Employment Practices Liability
Sudden & Accidental Pollution Legal Liability
Small (< 26 ft.) Watercraft Liability
Defense Costs (covered occurrences only) |
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Property Program: |
All risk for buildings, including flood;
excluding earthquake. |
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Workers' Compensation: |
Workers' Compensation benefits
Employer's Liability |
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IDL/NDI/UI Program: |
Industrial Disability Leave
Non-industrial Disability Leave
Unemployment Insurance |
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CSURMA-AIME
(Athletics Injury Medical Expense) Program: |
Excess of 3rd party medical
Travel Accident |
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In
addition to the coverage provided by the CSU risk pool, the campus purchases
the following insurance through the risk pool and the State of California:
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National Association of Intercollegiate
Athletics (NAIA): |
Catastrophic coverage in excess of CSURMA-AIME. |
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Inland Marine Property: |
Personal property coverage for musical
instruments, fine arts, EDP, cameras, and other miscellaneous equipment
identified by the campus and documented with the insurance program
administrator. |
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Student Travel Accident Program: |
Medical coverage for travel related accidents. |
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Vehicle: |
3rd party liability coverage. |
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Other types of insurance available to the
campus are:
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Student Health Insurance |
Available for purchase by students through ASI. |
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Foreign Liability and Workers' Compensation
Insurance: |
Available for purchase by colleges or
departments on an as needed basis. This program provides Comprehensive
Liability and Workers' Compensation, applicable to the country of travel,
for short durations (1 - 2 week trips; may be available for longer periods). |
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Special Event Insurance |
Available for purchase to insure events that are
organized by external groups. This insurance may also be purchased to
insure campus sponsored events that present additional liability exposure to
the campus. |
