Request for Policy Additions and Deletions
The normal procedure to add or delete buildings, automobiles, pieces
of art, etc. to or from a policy is to submit a memorandum with all
pertinent information pertaining to the addition or deletion. This
- Building: Location, name of
building, square footage, building value, and contents.
- Automobile: Make, model, year,
serial number, value and type of coverage desired.
- Inland Marine: Name of painting,
etching, drawing, rare book, manuscript, rug, tapestry, statuary
or other bonafide work of art, of rarity, historic value, or
artistic merit, value, presentation or storage location, name of
- South Carolina Insurance
Reserve Fund (SCIRF) Policies
Each policy with the SCIRF is reviewed at least annually and
renewed on August 31st of each year. During the review process
special consideration is given to structure and content values,
building sizes, inland marine additions and deletions, the size
of the vehicle fleet, and medical services offered on campus.
The payments for SCIRF policies are made through
interdepartmental (IDT) transfers. It is important to note that
personal property stored on campus by faculty and staff is not
covered by the University’s policies and therefore, not
considered as part of the building contents review;
consequently, any personal belongings must be insured at the
- Contracted Policies
Policies purchased through independent agencies are typically on
term contracts. This means that an agency will provided coverage
for a specific time period (3-5 years) and the coverage is
automatically renewed on the anniversary date of the policy.
Unlike SCIRF policies, a new purchase order must be generated
for each annual renewal with an independent agent.
Request for Proof of Coverage
To request a Certificate of Insurance or proof of
“self-insurance” coverage, send a written request to the Risk
Management Department and include a copy of the original
document (contract, letter) requesting the information. The
written request should provide as a minimum the following
information: (1) Requesting department (2) Basic information as
to the activity, services, or event to be covered and (3)
complete name and mailing address and the contact person to whom
the certificate should be issued.
Complete Form -
Certificate of Insurance
USE OF PERSONAL VEHICLES
The automobile liability policy issued to Winthrop does provide
non-owned liability insurance coverage. It is intended for
the employee's occasional use of his/her privately owned vehicle
in connection with his/her jobs. The non-owned coverage is excess
of other collectible insurance (the liability coverage
maintained by the employee on his/her personal vehicle is always
primary). If the employee's policy limit is ever exhausted, the injured
third parties then have a claim against the University for any
damages not covered by the private policy, up to the
University's limit. The University's coverage does not
automatically start. A claim has to be made by the injured
parties for the excess damages. Employees should contact
their insurance agents to determine if the agent considers the
use of the privately owned vehicle by the employee is a
"business use". If so, the employee's insurance policy needs to
be endorsed to cover the business use.
When a personal vehicle is used in the course of your duties as
a Winthrop employee (or volunteer), the insurance covering the
vehicle is primary. As an example:
- You use your car for Winthrop
- You are at fault.
- You carry $250,000.00
- You are sued.
- The judgment is $400,000.00
Your insurance would pay its
$250,000.00 limit. *Winthrop University would cover the
$150,000.00 over that.
* Note the fact that you were involved in the accident while
acting within the scope of your duties.
For more details to this policy, contact Bob Reid or Teresia
Sexton at 323-2143.
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