Risk Management and Insurance

State Fire Marshall and EH&S Life Safety Annual Inspection Procedures

EH&S Life Safety Inspectors and the State Fire Marshal perform regular safety and fire inspections throughout the University. During inspections we've discovered a few unsafe conditions that frequently occur. We have them listed below. Please assist us in recognizing, correcting, and preventing future recurrences.

• Obstructed Hallways and Stairwells: not to be used for refrigerators, bookshelves, chairs, boxes, tables, or storage of any type of materials to allow for safe egress.
• Extension Cords: cannot be used for permanent electrical wiring. If an extension is required, it must be the type with built-in surge arrestors and cannot be plugged into another surge protector, i.e. daisy chained.
• Electrical Cords: cannot be left lying across walkways, creating trip hazards.
• Electrical Cords: cannot have grounds broken off or have deteriorated insulation.
• Clear Pathway: must be maintained to all emergency devices, to include fire extinguishers, emergency eyewash or shower stations, electrical panels, and any type of safety switch or shunt.
• Compressed Gas Cylinders: must be properly secured.
• Flammable Products: must be stored in an approved flammable safety cabinet.
• Cabinet Top and Top Shelf Storage use in Buildings with Fire Sprinklers: nothing can be stored within 18 inches of the ceiling for any reason.
• Cabinet Top and Top Shelf Storage use in Buildings without Fire Sprinklers: nothing can be stored within 24 inches of the ceiling for any reason.
• Machinery: drill presses and grinders must be secured to the floor, and belt guards must remain on belt driven machinery, grinder ¼” wheel spacing, etc.
• Space Heaters: for building use, space heaters must have the tip-over safety feature.
• Fragrance Dispensers: such as Wallflowers and Glade plug-ins must be UL or ETL listed (found on back or bottom of device). Dispensers must be kept full of liquid fragrance.

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Florida Gulf Coast University (FGCU) enters into various contracts with numerous outside organizations and individuals providing services.  Under the terms and conditions of a contract or agreement for services, the outside entity (contractor, consultant, or vendor) must show evidence of adequate insurance coverage by submitting a Certificate of Liability Insurance (COLI).  The certificate must exhibit minimum University limits of liability requirements and an endorsement naming FGCU as additionally insured for general liability. The COLI is sent to the FGCU department seeking services and a copy must also be forwarded to the FGCU EH&S department. Contact EH&S for minimum insurance requirements.  The University may permit exceptions to these requirements.  These minimum insurance limit requirements do no apply to university construction projects.  Certificates are required to contain the following insurance information:

• An endorsement naming Florida Gulf Coast University Board of Trustees, the University and the officers, employees, agents, and volunteers as additional insured, except for professional liability and workers' compensation insurance.
• The certificate and policy shall indicate that coverage's afforded under the policy will not be cancelled, modified, changed, or expire before 30 days prior written notice has been given to the University.
• The insurance underwriter must be rated at "A" or better by A.M. Best Company.

If your department needs a copy of a FGCU self-insured certificate of insurance please contact EH&S.

FGCU Insurance Requirements

Florida Gulf Coast University (FGCU) enters into various contracts with numerous outside organizations and individuals providing services.  Under the terms and conditions of a contract or agreement for services, the outside entity (contractor, consultant, or vendor) must show evidence of adequate insurance coverage by submitting a Certificate of Liability Insurance (COLI). This certificate must exhibit minimum University limits of liability requirements and an endorsement naming FGCU as additional insured for general liability.

The COLI is sent to the FGCU department seeking services and a copy must also be forwarded to the FGCU EH&S department. View the matrix showing minimum insurance requirements for those that seek to do business with FGCU. The university may permit exceptions to these requirements. These minimum insurance limits requirements do not apply to university construction projects.

The certificate(s) is required to contain the following insurance information:

• Name Florida Gulf Coast University Board of Trustees, the university and the officers, employees, agents, and volunteers as additional insured, except for professional liability and workers’ compensation insurance.
• The certificate and policy shall indicate that coverage’s afforded under the policy will not be cancelled, modified, changed, or expire before 30 days prior written notice has been given to the University.
• The insurance underwriter must be rated as “A” or better by A.M. Best Company.

* If you and/or department need a copy of FGCU self-insured certificate of insurance please contact EH&S.

University vehicles involved in an accident and other general state rental information:

• Safe Driving Tips and In The Event Of An Accident While On University Business
• FGCU Automobile Use for University Business or University Sponsored Event Trip Guidelines
• Passenger Van Guidelines

State of Florida rental vehicle services are offered through AVIS:

• AVIS Contract Agreement 
• Rental Pricing 
• Vehicle Cleaning Info

Automobile Use Policy and required attachments

• FGCU Policy 3.060 – Automobile Use
• FGCU Attachment A – Acknowledgement Form for Authorized Drivers
• FGCU Attachment B – Mileage and Fuel Log
• FGCU Attachment C – Vehicle Checklist Inspection Record for Departments

How to Acquire Camper's Insurance

General overview

Camp insurance is available to University departments having day or overnight sport and educational camps.

This camper insurance is a supplemental insurance program offered through Risk Strategies Company Insurance Brokerage, underwritten by U.S. Fire Insurance Company..  It is designed for participants in sport and educational camps in need of insurance coverage for injuries and/or illness sustained during the camp - on or off campus. Camper's Insurance Procedures and Plan Options

Responsibilities

Camp Administrator has the primary responsibility of applying and paying for coverage as well as contacting the Assistant Director of Risk Management, EH&S within 24 hours of accident or illness. The Camp Administrator must ensure that medical release forms are complete prior to the start of any camp. The Camp Administrator must immediately notify EH&S of any changes or updates to the camp roster.

Environmental Health and Safety has the primary responsibility of offering this supplemental insurance for sport and educational camps held by Florida Gulf Coast University.

Purchasing procedures for obtaining coverage for camps

• Review plan options below and submit completed on-line application  and the first draft of the camp roster at least seven business days before the camp start date to FGCU EH&S. 
• Please note: your invoice will be based upon your actual number of participants, If the number of participants increases/decreases, please let us know immediately.
• Ensure medical release forms are complete and signed by parent or legal guardian of camper. Medical release forms must be kept secure by the coach, faculty, or staff person that is responsible for camp.
• Your invoice will be e-mail to you by the Assistant Director of Risk Management, so please pay your invoice upon receipt. For FGCU Procurement and Accounts Payable purposes, the name of the vendor is Risk Strategies Company Insurance Brokerage when creating requisition in Workday, please do a direct pay. When inserting information in the invoice section, please do this: (Invoice number - Department Name) and upload invoice into Workday

Purchase either REQUIRED INSURANCE PLAN listed below to cover participants, this is a Primary Plan only, it covers from day one, 100% for camp related injuries, other than policy-excluded items.

Primary Accident Coverage - Day Camp

$0.23 for day camps non-sport
$0.48 for day sport camps

Primary Accident Coverage - Overnight Camp

$0.38 for overnight camps non-sport
$0.63 for sport camps

For more information - contact:

Willie Baca
Assistant Director, EH&S – Risk Management and Insurance
239-590-1126Office
239-590-1033 Fax
wbaca@fgcu.edu

Special Event Insurance Coverage

Guidelines on Insurance Coverage for Events at University Facilities

Contacts:

K and K Insurance
Event RPG
P.O. Box 2338
Fort Wayne, IN  46801-2338
Application for K and K Short Term Special Events.

University Risk Management and Insurance Association (URMIA)

Arthur J. Gallagher Risk Management Services, Inc.
6300 S. Syracuse Way, Suite 700
Centennial, CO 80111
1-844-226-6097
Denver.bsd.tulip@ajg.com

Florida Administrative Code Rules

• Florida Administrative Code

Florida State Statutes Links Related to Risk 

• The Florida Statutes- Table of Contents
• Chapter 624- Insurance Code: Administration and General Provisions
• Chapter 284- Public Business State Risk Management and Safety Programs

University Risk Management and Insurance Association (URMIA)

Public Risk Management Association (PRIMA)

Risk and Insurance Management Society, Inc. (RIMS)

Southern Association of College and University Business Officers (SACUBO)

Federal Emergency Management Agency (FEMA)

Insurance News Network

• DFS’s Safety & Loss Prevention OUTLOOK Issue 1 Volume 15
• DFS’s Safety & Loss Prevention OUTLOOK Issue 1 Volume 14
• DFS’s Safety & Loss Prevention OUTLOOK Issue 2 Volume 14
• DFS's Safety & Loss Prevention OUTLOOK Issue 2 Volume 15
• DFS’s Safety & Loss Prevention OUTLOOK Issue 3 Volume 14
• DFS’s Safety & Loss Prevention OUTLOOK Issue 4 Volume 14
• DFS's Safety & Loss Prevention OUTLOOK Issue 2 Volume 16