- Self Insurance
- Automobile Insurance
- Certificates of Insurance/Proof of Insurance
- Reporting a Claim
One of the functions of the Risk Management Department is the administration of Trent University's Insurance Program. Trent’s Insurance Program consists of the following components:
The Canadian University Reciprocal Insurance Exchange (CURIE) property insurance policy insures Trent property of all descriptions anywhere in the world against all risks of direct physical loss or damage. There are a number of exclusions relating to cause of loss (eg. War, wear and tear, unexplained loss etc.) and the type of property covered. (eg. automobiles, money, aircraft etc.) A $50,000 deductible applies.
Commercial General Liability (CGL) Policy
This CURIE policy covers Trent’s officers, directors, governor, employees, post-doctoral trainees, visiting scholars, shareholders, volunteers, and students engaged in Trent sanctioned activities for the legal liability and defence costs arising from bodily injury and property damage to third parties, including:
- Premises and operations (accidents occurring in the buildings or grounds or at activities related to the university on a world-wide basis)
- Personal injury (including false arrest, detention or imprisonment, invasion of privacy, libel, slander, defamation of character, etc.)
- Sports activities
- Professional malpractice (all "Health Sciences" medicine, dentistry, nursing, etc. also architects, engineers and other professionals)
- Sudden and accidental pollution
- Tenants legal liability “All Risks” basis (property damage to leased or rented premises)
- Employers’ liability (where Workers' Compensation is not applicable)
- Watercraft (up to 1,000 tons gross registry)
- Nuclear liability for subcritical reactors and commercial radioactive isotopes)
- Punitive or exemplary damages
Marsh provides coverage for many of the items excluded in the CURIE property policy. These include:
- Boiler and Machinery breakdown
- Fine Arts
- Non-Owned Automobile world wide
Workplace Safety and Insurance Board (WSIB) Worker’s Compensation Insurance
Please consult the Trent Health and Safety webpage for detailed information.
Additional information may be found on the WSIB website.
Self Insurance Program
The Risk Management Department maintains a small fund to offset losses that are less than $50,000, on a first come, first served basis. This fund does not cover personal belongings or ancillary budgets. Generally the department is expected to contribute $250 towards replacement. That may be waived at the discretion of the Director, Risk Management, if it can be determined that the factors contributing to the loss were not within the control of the department/employee. Conversely, if the loss was foreseeable and appropriate preventative measures were not taken, the claim may be denied or the amount payable reduced.
What to do if Trent property is lost or damaged:
- Immediately report the loss or damage to Security.
- Document the time, date and circumstances of the loss or damage. Photos are helpful to support a claim.
- If electronic equipment has been damaged by water, do not attempt to test the equipment yourself as you may cause further damage. IT or the restoration company, if retained by FM, will have them professionally tested.
To access this fund, please fill out the Self Insurance Claim Form.
Please review the Self Insurance Policy before submitting your claim.
Trent Owned or Leased Vehicle
A leased vehicle is any vehicle that is rented/leased for periods exceeding 30 days.
Employees authorized to operate University owned/leased vehicles must complete a Driver Agreement Form. Once completed and signed by the employee and his/her supervisor, forward the original Driver Agreement form to the Risk Management Office, Blackburn Hall, room 108. These forms should be completed at least two weeks prior to using a Trent owned or leased vehicle.
All Trent Owned or Leased Vehicles should carry at a minimum:
*First aid kits can be signed out from the Risk Management Department for field trips.*
Please visit the Purchasing website for information on "How to Rent a Car".
To be eligible for coverage under the Trent Non-Owned Vehicle Insurance Policy the renter must:
- Have a valid driver’s license.
- Driving the vehicle on University Business ONLY. If you are using the vehicle for personal use (i.e. recreational, leisure, sightseeing outside of business) ensure that you purchase the insurance offered by the rental agency.
- Rent a vehicle for no more than 30 consecutive days.
A certificate of insurance indicates that adequate insurance coverage is in place.
Trent University requires student government, student groups, conferences, visiting groups and others using the campus for activities other than academic or liaison programs to obtain their own liability insurance coverage and to name Trent University as an additional insured for the duration of time on campus. The rationale for this is that where the University has no desire or option for direct control or input into the activity the above policy serves to reassign the risk associated with these activities.
Proof of Trent University's insurance coverage may be required under the following circumstances:
Students completing internships or placements.
Off-Campus Research or teaching activities
Off-Campus University sanctioned activities
If you have been asked to provide proof of insurance please submit the Certificate of Insurance Request Form at least two weeks prior to your event.
Reporting a Claim?
The Risk Management Office is responsible for managing all losses and/or claims that may impact on the University's insurance coverage.
In the event of any loss (personal injury, property damage, automobile, etc.) the department involved must contact firstname.lastname@example.org and/or email@example.com (during business hours) immediately.
Risk Management will notify Trent's insurance carrier.