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 Safety, Risk & Sustainability
at ext. 4502 for information about current policy limits.
Public Entity Liability:
Errors & Omissions
Educator's Legal Liability
Employment Practices Liability
Sudden & Accidental Pollution Legal Liability
Small (< 26 ft.) Watercraft Liability
Defense Costs (covered occurrences only)
All risk for buildings, including flood; excluding earthquake.
Workers' Compensation benefits
Industrial Disability Leave
Non-industrial Disability Leave
CSURMA-AIME (Athletics Injury Medical Expense) Program:
Excess of 3rd party medical
In addition to the coverage provided by the CSU risk pool, the campus purchases the following insurance through the risk pool and the State
National Association of Intercollegiate Athletics (NAIA):
Catastrophic coverage in excess of CSURMA-AIME.
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
Student Travel Accident Program:
Medical coverage for travel related accidents.
Other types of insurance available to the campus are:
Student Health Insurance:
Available for purchase by students through SHS.
Foreign Travel Liability 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).
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.