Insurance and Risk Management

Insurance and Risk Management

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Best Practices for Driver Safety

Queen’s University drivers must carry a valid Ontario Class G driver’s licence or equivalent from another jurisdiction while driving on university business.

Private Automobile Usage

Employees may use their personal automobile on company business if it is legally registered and in safe, road worthy condition.  The university does not provide insurance coverage of private automobiles on university business and cannot purchase liability insurance coverage on behalf of the owner of a personal vehicle.  Employees who choose to drive their own vehicles on university business must carry a minimum of $1,000,000 third-party liability insurance.

Fleet Vehicle Coverage

The university's insurance policy for University owned or fleet vehicles provides $5,000,000 in third-party liability coverage, as well as collision and comprehensive coverage for models three years old or newer.  Damage to older models is covered by the University's self-insurance program. In the event of a claim involving private passenger and light commercial vehicles, a $1,000 all perils deductible applies.

Rental Vehicle Coverage

In addition to liability coverage, the University carries coverage for collision and comprehensive perils up to $50,000 unless the rental agency insists on more coverage, it should not be necessary to purchase additional insurance. In the event of a claim, a $2,500 all perils deductible applies involving private passenger and light commercial vehicles.

Winter Driving

Safe driving practices in the winter are very similar to safe driving practices at any other time of year.  

If you have been involved in a vehicle incident please fill out the Vehicle Incident Report