Insurance

Insurance

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Queen's Insurance Coverage

Queen's has a comprehensive insurance program to protect all members of the university community, all sanctioned activities of the university, and all university property. Our office is responsible for purchasing insurance coverage and managing claims for the university.
 
NOTE:
Employee benefit insurance is managed through Human Resources http://www.queensu.ca/humanresources/.
Student benefit insurance is managed through the Alma Mater Society (AMS) http://myams.org/plan/ and the Society of Graduate and Professional Students (SGPS) https://sgps.ca/sgps-health-and-dental-plan/ 
 
The university's wide range of property and liability insurance policies cover:
  • general liability
  • educational errors and omissions
  • buildings and contents
  • boiler and machinery
  • property in transit
  • fine arts, and
  • vehicle insurance (university fleet and non-owned)

Liability

Queen's carries a General Liability policy through the Canadian Universities Reciprocal Insurance Exchange (CURIE) program which covers all premises and operations including blanket contractual liability, professional and malpractice liability, cross liability, tenant's legal liability, and employer's liability. The limit per occurrence is inclusive for bodily injury and property damage.

Property

The university's basic insurance policy covering damage to university property targets large losses (i.e., over $50,000).

Queen's does have a self-insurance program for losses below $50,000 (actual replacement cost only, for goods of similar make or comparable performance). Property claims are subject to a $1,000 deductible borne by the Department experiencing the loss.  The existence of proactive risk mitigation procedures in place will be investigated and considered during the claims settling process.

Property In Transit

Queen's carries a multi-peril transportation insurance policy that covers all university property in transit (either by railroad, public truckers, or transportation companies including the insured's own vehicle) from the time the insured property leaves the factory, store, or warehouse (the initial point of shipment) until it is delivered to its destination.

Some of the details of this policy are as follows:

  • this policy is effective in Canada and the continental United States;
  • the liability limit is $250,000;
  • the deductible is $5,000;
  • shipments completed by university personnel must be reported to the insurance office
  • shipments completed by third party carriers must be reported to Ruth Lappan ext 74236 in Strategic Procurement Services
  • all shipments valued in excess of $100,000 must be reported to the insurance carrier.

Please note the following items need to be referred to Insurance and Risk Management (as they are not automatically covered) prior to shipment in order for the insurer to review.

  • Antiques, Art/Collectibles
  • Bank  Notes/Coins/Valuable Papers
  • Computers, Laptops, Handheld Entertainment and/or Gaming Devices, Computer Chips/Memory/Motherboards/Mainframes
  • Exhibitions
  • Furs/Skins, Jewelry/Watches/Precious Stones/Metals
  • Radioactive/Hazardous/Restricted or Controlled Items.
  • Prescription Drugs and Pharmaceuticals
  • Used Clothing (Commercial Shipments)
  • Temperature Controlled Goods. Primate/human blood
  • Bone Samples
  • Prescription Drugs and Pharmaceuticals
  • Live Specimens
  • DNA
  • Proteins
  • Food Grade Peptides
  • Amplifier Blood
  • Frog Tissue, Pig Tissue,
  • Trees & Plants, Transgenic Plants or Animals, Insects, Bugs
  • Nucleotides or Proteins Canine Tissue
  • Air Samples
  • Plasmids
  • Cell Lines, Cell Culture
  • Preserved Specimens

University 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

Refer to the Queen's Rental Vehicle Coverage page under the Auto tab.