Claims

The University, College & Institute Protection Program (UCIPP) property policy deductible is $10,000. In the case of property claims from any loss due to accidental, uncontrollable damage to buildings, theft or willful damage, the department is responsible for the first $3,000 and the university the next $7,000 (for a total $10,000 deductible), and UCIPP any amount thereafter.

• In the case of comprehensive general liability claims, there is a $2,000 deductible for third party injury or property damage.

In the case of claims not relating to the property and liability policies, the deductible, as described in the appropriate policy, is the responsibility of the department.

The department will be compensated up to the replacement value of the damaged or stolen property (net of the $10,000 total deductible) for the first loss. 

Compensation for subsequent losses of a similar nature will be evaluated on an individual basis.

Claims occurring on TRU property for items purchased through research or external grant funding will be reimbursed at the discretion of the university. Settlements will be directed to the department and not the end-user.

If the theft of university property takes place at an individual’s residence, the responsibility to adequately insure and safeguard the asset lies with the individual and all claims will be handled through the individual homeowner’s policy.

Computing equipment loaned to an individual and taken away from TRU premises is the responsibility of the borrower and needs to be insured through the borrower’s personal insurance policy. 

The university insurance only provides coverage of $3,000 (in excess of the employee’s own insurance) for property used for work or instructional purpose. This coverage does not extend to personal property such as décor, memorabilia or clothing. 

Risk and Safety Services and the Office of the General Counsel are responsible for managing all losses and/or claims that may impact on the university's insurance coverage. Make no admissions, settlements or offers, or sign any statements except as required by a police officer.

If someone asks you to accept legal papers on behalf of Thompson Rivers University, you should refuse to accept the papers. Direct the person to the Office of the General Counsel, in the Clock Tower or call 250-828-5003.

Claims may take a significant amount of time from the initial incident to the award of any compensation.

Loss Prevention

The onus for safeguarding of assets rests with the university community. If any staff member identifies an area of concern particularly, but not limited to, faulty doors/windows, unsecured valuable equipment or suspicious behaviour, please first contact Security and Facilities (250-828-5388) and then, Risk and Safety Services (250-828-5458). 

If you are concerned about the safety of your office space, please contact Security and they can assess and provide useful tips to prevent future losses. For laptops that are left in the office, please secure with a lock to the desk.

When a Loss Occurs

1. In the event of a loss which may be hazardous to personal wellbeing (e.g. fire) the first step is to ensure your own personal safety. The university has established muster points throughout the campus as meeting places in the event of an emergency. Once you have ensured you are a safe distance from all hazards you can contact the proper authorities by dialing 9-1-1.
2. In the event of a non-hazardous loss (e.g. theft, pipe rupture, mechanical breakdown, break in) the first step should be to mitigate any future loss. Once you have done your due diligence in this regard, contact Risk and Safety Services. Risk and Safety will coordinate the claim process with the insurance carrier.
3. Insurance claims are sudden and can happen without notice, one step you can take to prepare yourself is to make a list or take photos of the property located in your space. This can be instrumental to proving losses and recouping lost property in the event of a claim.