The information on this site is intended to summarize the University of Nebraska at Kearney’s risk management resources. 我们已尽一切努力确保这些信息的准确性； however, it is not intended to replace any insurance program documents which contain complete information regarding the University’s insurance programs. In the case of any discrepancy between this site and the University’s insurance program documents, the University’s insurance program documents will govern.
网络责任与违约
University of Nebraska Information Technology Services implements policies, reviews, guidelines and programs to create a safe and secure environment that minimizes risk and enables the University community to perform its necessary duties. In addition, the University carries breach response and cyber liability insurance to assist with specific incidents and losses for all University campuses.
The University thoroughly reviews third-party technology vendors security practices and insurance coverages to mitigate the specific risks associated with any University program or initiative. 这些供应商必须提供技术/专业责任保险，包括网络责任保险。 Exceptions to this requirement are evaluated by 业务服务 and University of Nebraska Information Technology Services on a case-by-case basis.
General 责任
The University has a self-insured comprehensive general liability program which provides coverage for claims of bodily injury and property damage against the University arising out of the negligent actions of the University.
External groups, including all contracted service providers, are not covered by the University’s general liability program and must provide proof of general liability insurance coverage (i.e., a certificate of insurance) covering the applicable event/service and naming the Board of Regents of the University of Nebraska as an additional insured and evidencing coverage with a limit of not less than $1,000,000 combined single limit and $3,000,000 general aggregate for bodily and personal injury and property damage. 可能需要额外的保险，并将由商务服务部通知部门。 这些需求的例外情况由业务服务根据具体情况进行评估。
除非有特殊情况，否则大学拥有的财产都在一揽子财产计划下，该计划以重置成本价值提供保险。 对于任何财产损失，本部门将负责支付免赔额。 财产损失应在事件发生后立即报告给商务服务部。 业务服务 will review and administer property losses and work with the property insurance carrier, as appropriate.
保险范围不包括教职员工或学生的个人财产。 Limited exceptions may apply if property is being used at the request of, or to benefit of, the University. The University’s property insurance program also generally covers University-owned property in transit, including but not limited to research equipment, electronics, and UTVs.
学校为学校的商业车辆投保责任保险。 For department-owned vehicles, there is an option to purchase full physical damage coverage for that vehicle with an extra charge to the department. The physical damage coverage deductible is the responsibility of the applicable department in the case of a claim.
个人车辆
员工 using personal vehicles while conducting University business will have their personal auto insurance coverage as primary coverage, and the University insurance plan may provide secondary coverage (excess over the primary coverage). Generally, in the event of an accident while conducting University business with a personal vehicle, the University’s insurance would cover any deductible under the personal auto insurance, assuming the employee’s actions were not negligent.
租赁车辆
Rental vehicles being used for University business and rented in the University’s name are generally covered by the University’s liability insurance. 尽管如此，作为大学合同供应商，企业提供了一个完整的碰撞损害豁免和责任保险。 When renting a vehicle using Enterprise, Enterprise’s insurance serves as the primary coverage and the University insurance serves as secondary coverage (excess over the primary coverage). Whenever possible, rental vehicles should be obtained pursuant to the University’s contract with Enterprise.
学生健康计划适用于在学位课程中注册了六个或更多学分的学生。 如果研究生在学位课程中注册了至少一个学分，则符合资格。 More information concerning the plans and how to enroll can be found at the 学生健康网站.
国内旅游
学生旅行保险是由大学为代表大学旅行的学生提供的，并且需要在太阳城娱乐官网科尔尼市以外的所有学生旅行。 This insurance provides additional coverage for students should an accident occur with the student’s personal insurance serving as the primary coverage. 学生旅行保险表格必须在出发前填写，以便为学生提供保险。 所有填妥的表格将以电子方式提交给商务服务部，不需要提供实体副本。
A student international health plan is required for students traveling abroad. 该保险由学生支付，不包括在与留学或研究计划相关的学费或费用中。 More information concerning the plan can be found at the 留学网站.
运动员
Student-athletes are required to carry primary health insurance with a deductible of $2,500 or less that will cover both “emergency” and “non-emergency” intercollegiate athletic injuries in the state of Nebraska. 临时政策是不允许的。 Student-athletes will not be allowed to participate in countable athletic-related activities (e.g., practices or contests) until proof of insurance is provided and all other required information has been completed. Student-athletes without primary health insurance will be directed to 学生健康 or a local insurance company to purchase health insurance. Medicaid/Medicare/Kaiser (and most other HMOs) are not appropriate primary coverage. Student-athletes purchasing their own insurance will have their policies monitored by the University on a regular basis. If the policy is allowed to lapse or discontinue, the student-athlete will not be allowed to participate in countable athletic-related activities until a new policy is put in place.
The University provides secondary health insurance coverage to student-athletes. This policy generally covers medical expenses arising from athletic injuries in excess of any other available accident/health insurance provided that the required policies and procedures have been followed. The University will generally cover expenses after the student-athlete has met all primary health insurance deductibles and co-payments. This coverage will continue six (6) months after the student-athlete’s athletic participation concludes if the student-athlete was previously treated by University Sports Medicine Staff during their athletics program participation.
The University policy has limits and may not pay all charges in full. The University has established a network of physicians and facilities to provide medical services to all student-athletes while they are participating in intercollegiate athletics at the University. All services (e.g., second opinions, physical therapy services, diagnostic testing, etc.) outside of the University physicians’ network must be approved by the University Sports Medicine staff in writing prior to date of service to be considered for payment. 在没有书面批准的情况下，所有医疗费用将由学生运动员承担。
The University’s general and automobile liability insurance programs provide coverage for liability claims (including alleged errors, omissions, or neglect) involving students in training, while acting for or on behalf of the University or when rendering services to another as part of his or her teaching or training by the University. Requests for proof of this insurance for external sites can be sent to 业务服务 through the following link:
员工 subject to the provisions of the Worker’s Compensation Act shall be entitled to coverage in accordance with the Act if they suffer illness or injury arising out of and in the course of their employment. 这项保护规定在法律规定的范围内，支付一切合理的医疗费用和工作时间损失。
雇员必须在工伤或职业病发生后24小时内填写首次工伤或职业病报告表格。 This is a legal document which will be filed with the Nebraska Workers’ Compensation Court. 设施员工请联系Betsy Warren其他员工请联系Meredith DeHaven。
责任
The University’s general and automobile liability insurance programs provide coverage for liability claims (including alleged errors, omissions, or neglect) involving employees of the University who are acting within the scope of their employment.
医疗事故
大学为某些高级执业医师提供医疗事故保险，员工或部门无需支付任何费用。 必须通知业务服务，以便在此策略下获得覆盖。 Requests for proof of this insurance can be requested through 业务服务 as well.
国际旅行
大学为所有全职员工免费提供国际旅行保险。 这些员工因大学事务到美国境外旅行时，自动受此政策的保护。 While registration is not required, reviewing the 太阳城娱乐官网大学资源页面, the 大学欢迎资料册 or the 常见问题 prior to the trip is encouraged.
The University’s aviation program is provided in partnership with Nebraska Flight School. 虽然该计划与大学和太阳城娱乐官网飞行学院都有保险，但可能需要学生提供额外的保险要求。 学生 should contact the 航空 Program for additional information.
无人机（无人驾驶飞机系统）
Unmanned Aircraft Systems (“drones”) are considered aircraft according to the National Transportation 安全 Board and must follow Federal 航空 政府 rules and regulations. 随着技术的进步，使用无人机作为教育、营销、研究和推广工具的新机会不断出现。 大学为使用无人机用于大学商业目的提供保险。 In addition, the University has Unmanned Aerial 车辆/Systems policies and procedures in place to regulate and reduce the risk associated with the use of drones.
