The Office of Risk Management assists departments when it becomes necessary to purchase insurance for risks not covered by the self-insurance programs. The following is a list of some of the commercial insurance policies that are available. Others may be available for specific activities as needed. Departments requesting these insurance policies generally bear the cost of the premium. Contact the Risk Manager at riskmanager@ewu.edu.
Self-Insurance Liability Program (SILP)
EWU’s general liability is covered through the State of Washington Self-Insurance Liability Program (SILP) administered by the State of Washington.
The liability account is used to pay tort claims, judgments, and settlements arising from general liability and vehicle accidents for which the state is found to be wholly or partially negligent. Coverage is provided for claims arising from bodily injury, personal injury, and property damage to a third party. More details about coverage and exclusions can be found on the Department of Enterprise Services website at: https://des.wa.gov/policies-legal/risk-management/state-agency-self-insurance-liability-program
Commercial Insurance Policies
Vehicle Damage
This policy provides comprehensive and collision property damage coverage for EWU owned or leased vehicles. This policy only covers vehicles that are added to the policy. Departments will be charged the premium for coverage. If you would like to have your vehicle added to the insurance, contact the Risk Manager at 509.359.6618 or riskmanager@ewu.edu. Departments are encouraged to purchase the insurance for all vehicles that are leased from the State Motor Pool and for any vehicle that would cost a substantial amount to replace. The deductible for claims on this policy is $1,000. Coverage premiums are approximately $8 per $1000 of insured value (example: a vehicle with a replacement cost of $50,000 would cost about $400 per year for this coverage).
Athletic Medical – Accident Insurance
This policy provides coverage for medical expenses for EWU Student Athletes who are injured. This coverage applies only to EWU NCAA student athletes and EWU Cheerleaders; it does not apply to club sports or any other student organization.
OnCall International
This policy provides pre-trip plans, medical monitoring, emergency medical evacuation and repatriation, return of remains, return of dependent children, visits by family and friends, emergency return home, bereavement reunion, 24 hour nurse help line, prescription assistance, deposit, advance and payment guarantees, medical dental, and pharmacy referrals, dispatch of medicine, coordination of benefits, pre-trip information, 24/7 travel arrangements, translator and interpreter referral, emergency travel funds assistance, legal consultation and referral, lost and stolen travel documents assistance, emergency message forwarding, lost luggage assistance, political evacuation, natural disaster evacuation, medical expenses, and accidental death and dismemberment benefit.
Please note that coverage through OnCall is for EWU students participating in a study abroad program when that program does not provide it’s own insurance coverage.
Out of State Workers’ Compensation
This policy covers bodily injury by accident or by disease. This includes resulting death from either injury by accident or disease. The employee must be doing business on behalf of EWU and must be in the United States or Canada.
Student Interns – Medical Malpractice, General Liability, and Professional Liability
This policy covers EWU students who are part of a medical or non-medical internship and protects the students and the university from any claims that may be made against either the student or the university as a result of something the student did as part of their internship.
