receive numerous requests a year for Certificates of Insurance. A
normal Certificate is not a binding legal document. It is merely a
statement that someone has insurance. It will often times require
that notice be given to the certificate holder if the policy is
cancelled. Other than that, it is only an indication that a policy
is in effect.
A Certificate of Insurance can be issued, as appropriate, by Risk
Management attesting to coverage by the South Carolina Insurance
Risk Management can also obtain certificates of insurance, when
needed, from our commercial insurance carriers to attest to coverage
provided by commercially purchased policies.
containing an insurance requirement, hold harmless/indemnification
or waiver of the right of subrogation, should be reviewed by the
Risk Management Department before the contract is executed.
Insurance Requested of the University
To request a Certificate of Insurance or proof of “self-insurance”
coverage, send a written request along with the completed
Certificate of Insurance Request Form to the Risk Management
Department and include a copy of the original documents (contract,
letter) requesting the information.
Certificate of Insurance Request Form
Problems arise when employees execute documents with other
entities without having the authority to do so, or without having
the contract reviewed by the Risk Management Department.
Certificates will not be issued for amounts above our standard
limits, therefore it is most prudent to have contracts reviewed by
Risk Management before they are executed.
Additional Insured – No Can Do!
Winthrop University is a self-insured entity. Therefore, we are
only able to provide coverage for General and Professional
Liability for our own actions. We cannot extend our coverage to
include others outside of our “system.” According to the State of
South Carolina Insurance Reserve Fund, adding an additional
insured would make us an unauthorized insurer in violation of the
State of South Carolina laws.
Therefore, if contracts contain a requirement to name another
entity as an additional insured, that language must be stricken
from the contract.
Insurance Required by the University
The University requires certificates of insurance from many
parties. These commonly include vendors and contractors, lessees,
groups wishing to rent or use university space or property for
special events, and the like.
The bulk of certificates of insurance are collected by the
Purchasing and Risk Management Department.
Certificates should always be addressed to Winthrop University,
Purchasing Services and Risk Management Office, 307 Tillman Hall,
Rock Hill, South Carolina 29733.
In the event of a claim or incident where university property is
damaged, persons are injured, or the vendor or contractor failed
to fulfill their obligation, notify the Risk Management Office at
once. (See Reporting Incidents)
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