Insurance Coverage

The Inter-University Council Insurance Consortium (IUC-IC) was formed in 1998 by a majority of Ohio's public colleges and universities in order to realize benefits from the group purchase of property and liability insurance. Through collaboration and cooperation, participating in a pooled insurance arrangement allows the institutions to reduce the impact of underwriting, pricing, servicing, and coverage limitations.

The following is a summary of the IUC-IC coverage.  The summary is not intended to provide limits, deductibles to premium information.

  • Automobile Physical Damage

    Provides damage protection for university owned, leased, loaned, or rented vehicles.

  • Automobile Liability

    Provides bodily injury and property damage protection for claims arising from the operation of university vehicles. It also provides excess liability coverage for employees using personal vehicles for university business.

  • Crime

    Provides protection against employee theft, forgery/alteration, robbery, computer fraud, etc.

  • Cyber

    Provide protection against privacy and network security liability, extortion, property loss, and loss of revenue from a cyber breach. Also, provides assistance with defense and fines, as well as breach response.

  • Educator’s Legal Liability

    Provides protection for legal defense costs and settlement amounts/expenses for liability claims made for actual or alleged errors, misstatements, acts, omissions, etc.

  • Foreign Liability and International Travel

    Provides protection against general liability exposures outside the United States.

  • General Liability

    Provides protection subject to varying terms, conditions and limits for bodily injury (concussion) and property damage, personal injury liability (sexual abuse and molestation), advertising injury liability and medical expenses.

  • Healthcare Professional Liability (Medical Malpractice)

    Provides protection to employees for acts or omissions within the course and scope of their duties related to the conduct of university business. Students participating in university-sponsored internships and practicums are also covered.

  • Non-Owned Aircraft Liability

    Provides protection subject to varying terms, conditions and limits for bodily injury, property damage, and medical expenses associated with non-owned aircraft.

  • Property

    Provides protection for the physical loss or damage to property in which the University has an insurable interest and the cause of which is the result of an insured peril.

Student Internships and Practicums

Students participating in university-sponsored internship and practicum programs are covered under the University’s General Liability policy, and Healthcare Professional Liability policy for those in Allied Health professions, while operating within the scope of their professional and educational duties.

The General Liability policy evidences $5,000,000 in coverage for each occurrence, with a $5,000,000 annual aggregate.

The Healthcare Professional Liability policy provides $1,000,000 in coverage for each medical incident per member, with a $3,000,000 aggregate per member, per year. Claims made exclusively against a student or students carry a $0 deductible.

Students are also covered for $5,000,000 each incident in Automobile Liability coverage. This is primary coverage when driving a university-owned vehicle. This coverage is secondary to the owner’s coverage when driving a vehicle owned by the training facility. When driving a personal vehicle for work or educational duties, the personal insurance of the vehicle owner is primary.

This coverage is in effect for all students participating in a university-sponsored internship or practicum any time throughout the academic program, as defined through written agreement, and coverage is not limited only to the internship/practicum course semester.     

Many clinical training facilities require evidence of coverage before students can enter for training. Certificates of Insurance can be provided by the EHS department.

For any questions regarding insurance coverage, or to request a Certificate of Insurance, contact the EHS department at eohs@ysu.edu or (330) 941-3700.