Welcome to the Comprehensive General Liability, Auto, and Property Unit of Louisiana State University (LSU). This unit handles claims covering the legal liability for the University arising out of occurrences resulting in injuries or property damage to LSU students, employees, and visitors to the University.
Any incident, on or off campus, that results in bodily injury or damage to property that may potentially be construed as the responsibility of the University, should be reported immediately to the LSU Risk Management. If you witness an accident, or if someone reports an accident to you, please contact LSU Risk Management at (225) 578-3297. In case of an emergency, please contact the LSU Police Department at (225) 578-3231 or dial 911.
Summary of Insurance Coverages for LSU
1. Workers’ Compensation: This policy pays benefits prescribed by the Louisiana Worker’s Compensation Law to or on behalf of an employee who receives an injury arising out of and in the course of employment. Covers all University employees, including student workers. There is no deductible for this coverage.
2. Automobile Comprehensive and Collision: Covers physical damage to licensed vehicles owned, rented, or leased to the state (excluding an auto owned by an employee or by a member of the employee’s household). There is a $1,000 deductible for comprehensive losses and a $1,000 deductible for each collision loss.
3. Automobile Liability: Covers bodily injury or property damage claims arising from the ownership or operation of licensed vehicles that are owned, rented or leased to the state. There is no deductible for this coverage.
4. Automobile Non-Owned Liability: This coverage pays for losses in excess of the auto liability limits provided by the policy on the individual employee’s vehicle and covers liability of the state employee as well. In addition, it offers protection to the state for the operation of licensed vehicles hired or borrowed by the State.
5. Comprehensive General Liability: Covers liability of the University arising out of occurrences resulting in injury or property damage to others and certain obligations of others assumed under contract. It includes premises and operations, product liability, elevator and escalator, watercraft, contractual liability, and wrongful acts. No deductible.
5. Buildings and Property: Covers damage to or theft of state-owned property which includes damage to buildings and improvements, contents and inventories for covered perils. Buildings and contents are insured by the property policy which provides “all risk” coverage subject to the exclusions listed in the policy. All movable property, whether located within a building, outside (such as mobile equipment) and property in transit is insured up to the actual cash value at the time of loss. All claims are subject to the $1,000 deductible per loss. This deductible shall apply separately to each insured in cases wherein the loss involves more than one named insured. Inventory and movable property includes, but is not limited to computer equipment, fine arts (museum exhibits, antiques and objects of art), boats 26 feet or less in length, rowboats (non-motorized), mobile equipment (any vehicle not required by law to be licensed), office equipment and furniture, video and audio equipment, livestock, etc.
6. Boiler and Machinery: Covers loss or damage resulting from accidents to boilers, pressure vessels, turbines, machinery, and air conditioning motors and compressors located in state-owned buildings or buildings for which the University has contractually assumed legal liability. There is a $1,000 deductible, per accident as regards to first party property damage only.
7. Bond and Crime: Covers dishonest or fraudulent acts of employees. There is a $1,000 deductible for this coverage.
8. Wrongful Acts: Covers claims arising from error or omissions of state employees rendering professional services during the normal course and scope of employment by or on behalf of the state. No deductible.
9. Medical Malpractice: Covers claims in accordance with provisions of R.S. 40:1299.39 et seq. which details liability provisions. Coverage is extended to state health care professionals providing health care services by or on behalf of the state. No deductible.
Instructions for Insurance Claims