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Table of Contents
	Alumni Groups Insurance Automobile Insurance Business Travel Insurance General Liability Insurance Property Insurance Rental Vehicle Insurance Tuition Refund Insurance

Alumni Groups Insurance

Princeton University's general and automobile liability insurance policies provide coverage for the activities of alumni organizations acting in an official capacity on behalf of the University.

Insured

Alumni organizations include the following: the Alumni Association; the Alumni Council; recognized classes; associations and clubs, including their officers, members, agents and executive committees. Alumni organizations are considered insureds while acting or deemed to be acting in an official capacity on behalf of the University.

Coverage

The policy provides coverage for claims which arise as a result of bodily injury and property damage (non-owned auto) including the obligation to defend a claim brought against the University or an alumni organization.

Coverage is provided on and off campus, worldwide. Claims arising as a result of the serving (but not selling) of alcoholic beverages are covered as long as local laws and regulations are obeyed.

Automobile Claims

The University's automobile liability policy provides coverage for damage caused by the use of a licensed leased, hired, rented or borrowed automobiles including family members' automobiles while used for alumni activities, with the exception of physical damage to such vehicles. Physical damages to automobiles used for alumni activities is not insured; however, for autos owned by alumni or family members, the University will reimburse the owner for their deductible for physical/collision damage up to $1,000 per loss. In addition, the liability coverage of an alumni-owned vehicle as required by New Jersey law will be primary to the University's coverage.

Principal Exclusions

• Aircraft, watercraft over 50 feet
• Pollution
• Real and personal property of others in your care, custody or control. Such property should be covered by insurance of owner or the local alumni organization

If you have any questions, please contact Lisa Zimmaro.

Automobile Insurance

Use of Personal Vehicles While on University Business

When staff and faculty use a personal vehicle while on University business, pursuant to New Jersey motor vehicle laws, their personal insurance is always Primary. The University provides reimbursement at a stipulated rate per mile. (Consult Travel Department for exact mileage allowance.) A portion of the mileage allowance is considered to cover the costs for gas, oil, repairs, depreciation and insurance. Staff and faculty are required to comply with all state regulations when operating a vehicle on University business, including maintaining the minimal amount of insurance coverage required.

The University does provide insurance in Excess of personal insurance limits for any accident incurred while on University business.

The University provides reimbursement for physical damage to staff/faculty vehicles involved in an accident while on University business. Reimbursement is made for the amount of any collision/comprehensive deductible under your own insurance up to a maximum of $1,000.

Policy for University Owned Vehicles

All University vehicles are to be used only for "Official" University related business. The University self-insures all physical damage to University vehicles and will reimburse departments for repairs for physical damage subject to a $1,000 departmental deductible.

All University drivers must be registered with the Department of Public Safety and, for van usage, must be "van certified." For more information, go to: http://web.princeton.edu/sites/publicsafety/FleetSafety.htm

If you have any questions, please contact Lisa Zimmaro.

Business Travel Insurance

The University purchases Business Travel and Business Travel Accident Insurance for the benefit of staff and faculty while traveling on University business. This coverage is not available for vacation or leisure travel.

International SOS

There is a 24 hour travel assistance program available for all faculty, staff, and full-time students who travel abroad for research, for a University approved program, or as part of the undergraduate educational experience. The program is provided through the University and is administered by International SOS. This medical and security assistance program provides emergency response as well as online services and travel information.

The program includes:

• Emergency Medical Evacuation/Return Home
• Medical Assistance
• Medically Supervised Repatriation
• Medical Referrals and Monitoring
• Emergency Replacement of Medication and Eyeglasses
• Security/Political Evacuation

Personal Assistance

• Pre-Trip Medical Referral Information
• Embassy and Consular Information
• Legal Assistance
• Lost Baggage Assistance
• Emergency Message Transmission
• Access to Translators/Interpreters

Travel Assistance

• Emergency Travel Arrangements
• Transportation Arrangements for Family Members to join a Disabled Traveler

To obtain ISOS identification cards, contact the ORM at 8-3046 or visit the ISOS website at for a

https://webdb.princeton.edu/dbtoolbox/query.asp?qname=Risk+Management+%2D+OWLS
+%2D+International+SOS full program description.  You will need your PUID to login to this website.  Affiliated Princeton University personnel without PU login identification, please contact Lisa Zimmaro at 258-3349.

Diners Club Corporate Card

Diners Club will provide the following insurance for Diners Club Corporate Card members (Princeton) who charge their travel on Diners Club Corporate Card:

• Coverage of up to $350,000 for Business Travel Accident Insurance
  
• Free ticket coverage up to $350,000
  
• Excess Baggage Coverage $1,250 in excess of the carrier's coverage
  
• Rental car collision coverage for principal driver for full value of rental car
  
• Club assistance for emergency medical care, transport home, list passports, etc.
  
• Supplemental flight insurance
  • $500,000 limits ($7 per ticket)
  • $1,000,000 limits ($14 per ticket)

You may contact Diners Club directly at (800) 613-5975 or go to the Diners Club website at www.dinersclubnorthamerica.com.

Staff and faculty are covered while traveling on the business of the University, provided such travel is to a point or points located away from the premises of the University. Commutation travel is excluded as well as travel in a private aircraft or in an aircraft owned, operated or leased by the University.

Business Travel Accident Insurance Policy

At no additional cost to employees, additional benefits are provided through a separate Business Travel Accident insurance policy issued through Chubb purchased by Princeton University. The policy provides accidental death coverage based on an amount equal to five times your annual base earnings, subject to a maximum of $500,000. If an aircraft involves a group of employees traveling together, the maximum combined benefit is $10,000,000.  This policy also provides $1000 in accidental death coverage for students traveling abroad on University sponsored trips, as well as students participating in academic credit programs and internships in the United States.

Those eligible for coverage under the policy include all staff and faculty on the regular payroll in active employment and those employees in a "visiting" rank who are specifically directed to travel on behalf of the University.

Coverage is available while traveling on University business as long as such travel is to a site off University premises and travel expenses are reimbursed by the University. Regular commute to and from work and travel in an aircraft owned, operated, or leased by the University are not covered.

The Plan will not pay benefits for an injury or death incurred as a result of:

• Suicide, attempted suicide or intentionally self-inflicted injury, whether you are sane or insane at the time;
• Service in the armed forces of any country or international authority;
• War or an act of war, whether declared or undeclared, which occurs within the geographical limits, or territorial waters, or airspace above
  • Your country of permanent residence;
  • The United States, Canada, and Iraq, except this will not include Terrorism;
• Injury or loss sustained while being in, exiting or entering any aircraft owned, leased, or operated by Princeton University or on Princeton University's behalf OR operated by an employee of Princeton University or on Princeton University's behalf.

If you have any questions, please contact Lisa Zimmaro.

General Liability Insurance

Who Must Provide Insurance

Under a variety of circumstances, outside organizations are required to provide evidence of commercial general liability insurance and to name the University as an additional insured to the organization's insurance policy in order to be permitted to conduct business on University property. All such arrangements require a written contract or agreement with the University.

Examples of organizations which must meet these insurance requirements are:

1. Third party contractors and/or vendors.
   
2. High school and college athletic activities that do not involve Princeton University teams.
   
3. Groups with no Princeton University affiliation holding lunches, meetings, seminars, etc. on campus.
   
4. Vendors providing "carnival type" attractions (see Entertainment Companies).

Insurance Required

The minimum limit for Commercial General Liability required by outside organizations is a combined single limit of not less than $2,000,000 for bodily injury and property damage.

1. The evidence of insurance must include the following:
   • Name "The Trustees of Princeton University, its officers, employees, and agents as additional insureds" with respect to any liability arising out of the use of any Princeton University premises or facilities pursuant to this agreement or contract.
   • Must state that the "insurance afforded is primary insurance as to any other valid and collectible insurance in force."
   • For any athletic or sporting event, the policy should include the following wording which must be stated on the certificate:
     "This insurance does not exclude coverage for bodily injury to any person while practicing for or participating in any sports or athletic contest or exhibition sponsored by the named insured."
     
2. Coverage must be provided by a carrier licensed in New Jersey and rated at least "A-" in Best's Key Rating Guide.
   
3. Certificates of insurance evidencing ALL OF THE REQUIREMENTS must be received in the ORM AT LEAST THIRTY (30) DAYS PRIOR TO THE EVENT.

If you have any questions, please contact Lisa Zimmaro or Karen Bauer.

Property Insurance

Loss, Theft or Damage to Personal Property

The University does not cover personal property or currency lost, stolen or damaged during a business trip or on campus. Students and staff are encouraged to contact their homeowner or auto carriers for possible reimbursement of personal property loss, theft or damage.

Staff, faculty, and students residing in dormitories or in University owned housing may want to investigate and purchase personal property insurance for tenants. The Housing Office has information and brochures from an insurance company that offers personal property coverage for students and faculty in University owned housing.

Loss, Theft or Damage to University Owned Property

The University's Property Insurance responds to losses of all owned or leased buildings, contents and equipment as well as the property of others in the University's care, custody or control. Under certain circumstances, departments may be charged a deductible of $1,000 for losses occurring within their department.

Insurance reimbursement for losses of owned property are made on a repair/replacement basis with property of like kind and quality (depreciated cash value if not replaced). In order for the Office of Risk Management (ORM) to consider a claim, the following must be received:

• Public Safety/Police report or a detailed narrative of the event giving rise to the loss
• Proof of ownership (i.e., copy of the original purchase order for the property and paid invoice)
• Evidence of replacement of and/or repairs to property

Loss, Theft or Damage to Non-Owned Property

The University's Property Insurance does not respond to losses for non-owned property unless the University has assumed liability by way of a written contract or agreement. The ORM must be notified prior to the initiation of a contract or agreement wherein the University will be assuming liability for the non-owned property. In order for the ORM to consider a claim for non-owned property, the following must be received:

1. Public Safety/Police Report or detailed narrative of the event giving rise to the loss
2. A copy of the agreement between the property owner and the University

All claims must be reported promptly to Lisa Zimmaro, or Karen Bauer.

Rental Vehicle Insurance

Business Travel in the U.S. - Avis - Hertz - Enterprise

The Office of Risk Management has contracts for negotiated rental rates with participating Avis, Enterprise, and Hertz agencies that includes $25,000 coverage for automobile liability insurance and physical damage coverage in excess of $3,000. At the time of rental, renters should verify that insurance is included in the rental agreement at no additional charge.

Because of the potential significant savings, every effort should be made to rent from Avis (the primary/preferred agency). However, when it is not practical or possible, please use Hertz. For rentals of seven-passenger mini-vans, the Enterprise Rent-a-Car agency should be used. Insurance is included. Reservations need to be made in advance using Princeton's Avis, Hertz or Enterprise corporate number.

In the Princeton area, the following are local rental car locations:

Business Travel in the U.S. with Other Rental Agencies

If it is not practical or possible to rent from Avis, Hertz, or Enterprise, faculty and staff should decline all insurance coverages offered by other rental agency. Coverage would then be available under the University's policy.

International Business Travel

Because insurance laws vary outside the United States, faculty and staff must purchase the liability and physical damage insurance offered by all rental car agencies. Insurance is included for rentals at participating licensed Avis and Hertz locations within the 48 contiguous states ONLY. Students may not rent vehicles when travelling abroad except in emergencies.

Business Travel in the U.S. for Student Drivers on Official University Business

AVIS (not Hertz) has agreed to rent and include insurance coverage to Approved Student Drivers (those who are registered with Public Safety) between the ages of 18 and 25 who are on official University business. Only registered students are permitted to drive rental vehicles. Reservations for approved student drivers must be made in advance using the University's corporate number. Students should decline additional insurance coverage when traveling on official University business.

Enterprise has agreed to rent mini-vans to approved student drivers who are at least 18 years of age or older and on official University business. Student drivers must have successfully completed the on-line training course and passed the van certification road test.  Students must also present authorization from Princeton University Administration at the time of the rental.

Reminders For All Rentals

Note:  Hertz now charges $27/day for drivers under 25 years old.

The renting department is responsible for the first $1,000 of damage to a rental vehicle.

The Princeton American Express Corporate card does NOT provide insurance for any auto rentals.

When renting for a combination of business and personal use, please note that the insurance applies only when the car is being used for business purposes.

All accidents, regardless of the severity or damage, must be reported immediately to the ORM and to the rental agency when the vehicle is returned.

Questions relating to insurance coverage or accident reimbursement procedures should be directed to the ORM at 258-3046. For all other inquiries, please call the Travel Office at 258-5231.

Tuition Refund Insurance

Private insurance is available for purchase. This insurance supplements the University's published refund policy by ensuring the refund of 90% of tuition and room and board charges if a student takes a leave of absence or withdraws due to illness or accident after the beginning of the academic term. Participation in the Tuition Refund Plan is entirely optional. The University's refund policy is applicable whether or not a student enrolls in the Tuition Refund Plan.

For further information, please contact Lisa Zimmaro.