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Risk Management and Insurance
Risk Management proactively manages the University of Maine’s loss exposures by identifying the types of accidental losses faced by the University, analyzing the different types and sizes of these loss exposures and deciding how to handle and finance these losses. We use a combination of commercial insurance, self-insurance, risk avoidance, risk transfers and effective claim management. We recognize that the University by its very nature is a constantly changing, dynamic entity. Our aim is to protect the University and enable it to accomplish its educational, social and economic missions. The University of Maine System focuses on sustainability on each of its campuses. UMS works to identify alternative energy sources, and actively implements them when feasible. UMS currently utilizes bio-mass heating, wind turbines, photovoltaic energy, and geo-thermal energy systems to provide the campus with more efficient, more environmentally sustainable, and cheaper sources of heat and electricity. This makes our campuses unique from a Risk Management perspective, and allows risk management to actively consult on emerging issues with the use of these technologies. We actively manage the risk for the use of over 600 university vehicles, 75 watercraft, aviation equipment and over 500 owned buildings. UMS Risk Management procures and maintains insurance for research projects, and scientific equipment located throughout the world. We work in conjunction with multiple Lloyd’s of London syndicates to place this unique property. Additionally, we provide risk assessments for all campus departments to ensure that business continuity planning is conducted, and that adequate risk transfer/risk control is provided based on the baseline assessment results.
- How do I report a claim?
- How do I provide proof of insurance?
- I need to know if I have a deductible?
- What should I do if I am traveling out of the country?
- What kind of services does Risk Management perform?
- I need transportation. What should I do?
- The University of Maine System also frequently rents, leases, and purchases vehicles over the course of the year. The below bullet points seek to help the University to make the best fiscal and safe decision on how to travel.
- Vehicle rentals do not automatically have coverage, and coverage for the vehicle must be selected at the Rental Car Counter. In order to ease the administrative burden on whether insurance should be purchased, as well as for fiscally responsible spending, the University of Maine System has entered into an agreement with Enterprise that includes physical damage insurance, as well as primary liability insurance while on company business. Details regarding the rentals are in Concur. It is Risk Management’s recommendation to always rent with Enterprise to ensure that there is adequate coverage for rentals.
- International Rentals should always have the liability insurance purchased. Our liability policy requires that we have minimum coverage within the country where the vehicle operates before their coverage will apply. Rentals in Ireland, Northern Ireland, Jamaica, and Israel do not qualify for the Collision Damage Waiver coverage from the Travel Card, so in these destinations, the Collision Damage Waiver should also be purchased.
- Risk Management has also entered into an agreement with Central Fleet Management at the State of Maine to lease or rent vehicles from them. These are economically excellent choices, but availability is not statewide at this time for short term rentals. The State can make long term leases with any campus.
- Vehicle leases and purchases are handled by Strategic Procurement. Risk Management is ultimately responsible for administration once they are obtained. For additional information when it makes sense to lease v. buy v. obtain a State of Maine Central Fleet vehicle, reach out to firstname.lastname@example.org or 207-581-2712.
Adam Green Helen Chamberland
Risk Manager Administrative Specialist
(207) 621-3462 (207) 973-3332
Fax: (207) 947-7556 Fax: (207) 947-7556
Risk Management Topics of Interest
- Insurance Coverage, Deductibles, and Charge-Backs
- Incident Management/Reporting for: Accidents, Injuries, and Property Damage
- Memorandum of Insurance (Proof of Insurance. Print and provide to whomever is requesting)
- Certificate of Insurance (Use this if the Contracting Party asks to be an additional insured)
- Worldwide Travel Assistance
- Vehicle Administration
- Workers’ Compensation
- Real Estate Management
- Risk Management Services
- Safety and Environmental Management (External Site)