Understanding Insurance Coverage for Extension Work
Exploring different types of insurance relevant to extension work, including accident/health, automotive/vehicle, property, and liability coverage. The content delves into primary and secondary insurance applicability, location-based considerations, and insurance certificates. Learn how insurance protection varies based on job-related and out-of-state scenarios to ensure sufficient coverage.
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Presentation Transcript
Insurance Made Easy January 11,2013
Types of Insurance Relevant to Extension Work Accident/Health personal insurance that covers for doctor /hospital/etc. Automotive/Vehicle Personal insurance that covers injuries, vehicle damage and personal liability in the event of injury
Property Covers damage to property The State of Colorado will not cover another entity s property Liability Protects against judgments for damages when injury is incurred (physical or otherwise) and is caused by another person s actions (or lack of action).
So what applies, when Accident/ Health Primary Vehicle Property Liability Personal (employee and volunteer) Primary Primary Primary if not job related (Umbrella) Primary when on the job. CSU (for employee and authorized volunteers) N/A Secondary N/A
What about location??? In state Governmental Immunity Protection applies. Out of state Governmental Immunity Protection does NOT apply.
So if youre traveling out of state and carrying passengers (4-Hers, MGs) In your own car your insurance is primary. Inform your insurance company that you carry passengers as a part of your job duties and be sure your insurance reflects that. In a county car May not be allowed in the future.
Traveling out of state (cont): In a rental car Purchase additional liability insurance offered by the rental car company. NOTE: In all cases, if you are on the job you will be covered by CSU s liability protection, BUT the limits of governmental immunity will not apply if an accident occurs out of the state of Colorado.
What about insurance certificates??? .to be continued .
