The following are questions that we are commonly asked by member of the university community. If you cannot find an answer to your question please contact Enterprise Risk Management. 

1. When is property loss the responsibility of the department, faculty or researcher?
2. Am I covered by Memorial University insurance policies when driving my own vehicle for work?
3. When renting a vehicle on university business do I need to purchase the additional insurance offered by the renal agency? 
4. Do I still need to submit any forms to request to drive on university business?
5. How do I get a Certificate of Insurance?
6. What do I do if I am involved in a car accident on university business?
7. We have a student going on a placement, do we need to worry about insurance coverage for them? 

Answers

1.  When is property loss the responsibility of the department, faculty or researcher?

• The department, faculty or researcher is responsible for any amount up to the university's property insurance deductible of $10,000. 

2.  Am I covered by Memorial University insurance policies when driving my own vehicle for work?

• If you are driving a personal vehicle for university business it will be the private insurance of the vehicle that will be the primary carrier in the event of a claim and not the university's auto insurance policy.

3.  When renting a vehicle on university business do I need to purchase the additional insurance offered by the rental agency?

• If you are renting a vehicle for less than 30 days you should not purchase any additional insurance from the rental agency. 
• If you are renting for more than 30 days in Canada and the United States you must complete a Request for Motor Vehicle form to have the vehicle added to the university's fleet.
• If you are renting for more than 30 days outside of Canada and the United States you will need to purchase the insurance provided by the rental agency at the expense of the renting party.

4.  Do I still need to submit any forms to request to drive on university Business?

• No, Enterprise Risk Management no longer requires the Request to Drive on University Business or the Request to Use University Vehicles forms. The department should ensure that the driver has proper qualifications for the vehicle they will be operating.

5.  How do I get a Certificate of Insurance?

• If you require a Certificate of Insurance please complete the Request for Certificate of Insurance form and return it to Enterprise Risk Management. Once the certificate has been created it will be sent to you.

6.  What do I do if I am involved in a car accident on university business?

• If you are involved in a motor vehicle accident while on university business you need to complete an Automobile Accident Report form and return it to Enterprise Risk Management.

• As well, your immediate supervisor should fill out an Accident/Incident Report form and forward it to Environmental Health and Safety, immediately following notification of the accident/incident.

7.  We have a student going on a work term placement, do we need to worry about insurance coverage for them?

• Worker's Compensation
• If it is an unpaid placement, Worker's Compensation would be provided by the Department of Education as long as the placement is related to the program of study.
• If it is a paid placement Worker's Compensation would be provided by the employer.
• To ensure that proper Worker's Compensation is in place please contact the Workplace Health, Safety and Compensation Commission.
• General Liability Insurance
• The University's General Liability Policy will provide coverage for students for unpaid university approved placements, while for paid placements General Liability Insurance should be provided by the employer.
• If a Certificate of Insurance is requested by the placement institution please complete a Request for Certificate of Insurance form.
• The student is required to ensure that adequate medical coverage is in place either through MUNSU or a private medical insurance provider.
• We recommend that if a student is participating in an international placement that they contact Memorial's Internationalization Office.