Texas Southern University participates in the Statewide Automobile Insurance program administered by the State Office of Risk Management. The program is tailored to provide liability coverage for any owned, non-owned, rented or hired autos operated by Texas Southern employees while conducting University business.
When vehicle is rented under the State of Texas contract (Advantage, Avis, or Enterprise) the rental rate includes the following insurance:
*DO NOT PURCHASE ADDITIONAL INSURANCE FOR A RENTAL CAR*
If you are involved in an auto accident while using a rental vehicle, it must be reported to the jurisdictional police and the rental car agency immediately. Proof of insurance is located in the glove compartment or on the windshield of all contract rental vehicles. In addition, you must report the accident to the Risk Management Office (713-313-6859) within 24 hours.
When vehicle is rented under the State of Texas contract (Advantage, Avis, or Enterprise) the rental rate includes the following insurance:
What is a certificate of insurance?
It's evidence of insurance - proof of a contractor's financial ability to pay for a loss caused by the contractor's negligence. No coverage benefits are afforded to the certificate holder.
They're needed when another party performs services on our behalf, has our property in their care, custody, and control, and/or controls or directs our employees. The dollar amount of a contract may not reflect the actual risk. For example, some small-dollar contracts or purchase orders (such as pyrotechnic displays or transportation contracts) are high-risk exposures.
Ask: What can possibly go wrong? How likely is it to go wrong? If it does go wrong, how much will it cost? Who should pay for the loss if the contractor does something wrong?
Most contracts and purchase orders require commercial general liability, automobile liability, and workers' compensation insurance. Depending on the exposures, other types of coverage may also be required. Refer to the "Insurance Requirements Checklist"
Refer to the "Minimum Insurance Limit Guidelines"
Are lower limits permitted for small contractors or artisans who are performing small jobs for us?
No. These are the people we want the limits from, since they may not have the assets to indemnify us in the case of a serious, underinsured loss.
No. This language has been carefully worded to afford us as much protection as legally possible. Altering the language would weaken our position. If the contractor is unable to comply with the limits requested, contact the Office of Risk Management for guidance.
Additional insured means that TSU will be named as an "insured" on the contractor's insurance policy. If the contractor is negligent and a claim is filed against us, the contractor's insurance company defends the claim for us. The insured may or may not pay an additional premium. We can only be named as additional insured on general liability and automobile liability policies. TSU should always be named as the certificate holder and the additional insured.
There are no good choices when this happens (and it's why the insurance specifications should be given to the contractor early). Either we must delay the work, or we must "self insure" the contractor until we receive and accept the certificate. (Don't forget that we self-insure the first $100,000 of any liability loss. So if the contractor does not have insurance, and a claim is filed against us because of the contractor's negligence, TSU will have to pay the first $100,000 of that claim.)
Coverage is provided on an “all-risk” basis which covers a number of potential claims, including: