General Liability Insurance

UCCE insurance program provides limited liability coverage for volunteers in cases where it has been determined, through investigation, that they acted negligently. Coverage is for supervision of people and general supervision of a UCCE-sponsored programmatic activity. There are some exceptions and limitations which are determined on a case-by-case basis through investigation.

The insurance program does not provide coverage for any personal or real property not which in its care, custody and control. Examples could be ownership of and use of an animal in a project, using one's home, ranch, garden or arena for a program.

What's Covered*	What's Not Covered
Theft	Your own negligence (e.g., spilling coffee on your computer)
Vandalism	Earthquakes
Fire	Floods
Water (only sudden or accidental damage, not from floods)	Changes in temperature or humidity
Explosions	Electrical disturbances (i.e., power failure or surge)
Lightning	Unexplainable disappearances
Windstorms	Deferred maintenance (e.g., leaking roof)
Hail	Loss of data
Transportation from one site to another	Employees' personal property
Building collapse
Most other sudden or accidental damage

*University-owned property only

Exceptions to the Coverage

The University's property insurance program covers non-University property only under the following circumstances:

The property is under the University's care, custody, and control
The property is leased, loaned, or rented under a written agreements signed by authorized campus personnel
The written agreement specifically calls for the University to provide property insurance

If You Know Who Did the Damage

University employees working within the course and scope of their employment are not personally liable for damage they cause to University property (although they are subject to applicable disciplinary standards). If the damage is somebody else's fault, and you know who that person is, contact us and we will pursue the liable party for payment.

The Theft Deductible Buy-Down Program

Because theft is such a common cause of loss, the University offers a supplemental insurance program that reduces the deductible for forced entries to $250 (from $1,000) and non-forced entries to $1,000 (from $5,000). Although subject to change, the annual cost for the last several years has been 40 cents for every $100 of value (e.g., $8 per year for a $2,000 computer).

How to File a Claim

If a crime (theft, vandalism, or other suspicious circumstance ) is involved in you loss, call the UC police or local police and have them make a report.

Contact us as soon as you know about the damage and we will help you determine if your loss is covered and begin the claims process. Submit an ANR Incident Report as soon as possible (not all sections of the report will apply; complete as much as possible).

Within 60 days we will need the following information:

The police report number or the report itself, if the loss was reported to the police.
Proof that the University owned the damaged/stolen property. Invoices and purchase orders are ideal.
An invoice or estimate itemizing the final repair or replacement cost.

Depending on the circumstances, other documentation may also be needed. If you have any questions, please contact ANR Risk Services.