Overview of Risk Management at Clark
Under the purview of the business manager, the Risk Management Office is responsible for assessing, reporting, and mitigating risks and damages associated with accidents or emergencies.
- To report an accident involving a Clark-owned vehicle, complete an Automobile Accident Information Form and forward it to the business manager. Blank forms should be kept in the vehicle’s glove box and used to gather the appropriate information in the event of an accident. If the accident results in an injury or vehicle damage in excess of $1,000 a Commonwealth of Massachusetts Motor Vehicle Crash Operator Report form should also be completed.
- On-the-job accidents resulting in an injury, no matter how minor, must be reported to the Human Resources Department at 508-793-7294. Please also see the Worker’s Compensation section below. On-the-job accidents that don’t result in any injury should be reported to the appropriate supervisor.
- Any other accidents should be reported to the Business Manager.
Certificates of Insurance
A certificate of insurance is provided by Clark’s insurance company upon request to provide evidence of Clark’s insurance coverage. To request a certificate of insurance, please contact the Business Manager. To expedite the issuance of the certificate, please provide the name and address of the company requesting the certificate. Please plan ahead and allow three business days for the certificate request to be processed.
Driver Policy and Vehicle Insurance
The University has liability insurance on all autos, whether they are owned by the University, rented, leased, private vehicles driven by their owners on University business, or borrowed vehicles. University-owned or leased vehicles are self-insured for physical damage, subject to a $500 deductible for “at-fault” or surchargeable accidents. If you are driving a University-owned vehicle, with the permission of the University, then you are an insured driver under the University’s policy.
Please refer to the Clark University Driver’s Policy.
For staff, faculty and students using their personal vehicle on University business, the vehicle owner’s insurance policy provides the primary insurance coverage. Should the owner’s insurance limits be exceeded due to a catastrophic accident, the University’s non-owned automobile insurance (and umbrella coverage, if necessary) would apply. For example, if you carry $100,000 per person/$300,000 per accident of bodily injury liability insurance, and cause a $150,000 loss to an individual, your policy would pay the first $100,000 of the claim, and the University’s insurance policy would pay the remaining $50,000. The University will not pay any claims for comprehensive, theft, or collision damage to personal vehicles (including deductibles). Mileage reimbursement is outlined in the University’s Travel Policy. This reimbursement is intended to cover the costs to operate the vehicle, including insurance costs.
The University’s insurance provides for both liability and physical damage for employees who rent vehicles while on authorized University business. The coverage extends for car rentals in the U.S., Canada, Puerto Rico and U.S. territories. Therefore, please waive all of the rental agency’s insurance coverage. Travelers must, however, purchase comprehensive and collision when travelling outside the U.S. and Canada.
All staff, faculty, and students are protected by the University’s automobile liability insurance for injury claims brought against them arising out of their use of a University-owned automobile, provided the University has given permission for such use and the use is within the scope of such permission.
International Travel Policy
Clark University supports faculty, staff, and student participation in international activities and promotes the development of opportunities for international study and research. To this end, the University attempts to balance the value of participation in international activities against potential risks and crises that may develop. The University also seeks to provide resources to assist students, faculty and staff in preparing for safe and successful international travel.
Travel Registration Form
According to Clark’s International Travel Policy, all students, faculty, or staff who are traveling on Clark-related business must register by completing the University’s travel form. Failure to register may jeopardize your Clark insurance coverage or impact your Clark funding. Completing the travel form provides the University with emergency contact information, allows the University to compile required insurance data, and assists the University with providing the traveler with important travel-related documents.
When completing the form, please be sure to click the “Next” button after the form displays a summary of your answers.
The Safety and Risk Management Committee meets approximately once per month to discuss topics related to the safety of the Clark community, with the goal of making Clark safer for its faculty, staff, and students. Meeting topics have included emergency planning, worker safety, health issues, safety programs and inspections, etc. If you have a topic you would like the Safety and Risk Management Committee to address, please contact the Business Manager.
Paul Wykes, Chair
The Clark University Safety Fund was established to promote employee safety by underwriting the cost of purchasing equipment, materials, supplies, or services that will enhance employee safety. The Safety Fund is paid for through a portion of the annual dividends the University receives from its participation in ISCC (Independent Schools Compensation Corporation), a worker’s compensation self-insurance group. Apart from the primary goal of providing a safe workplace, Clark’s success at improving employee safety will directly result in increased dividends because the dividend payout is based on actual claims experience.
Safety Fund expenditures are earmarked for the purchase of products or services that are directly related to improving employee safety. Examples include:
- New safety products that could be beneficial to Clark employees. If there are no budgeted funds available, the Safety Fund could be used to fund an initial purchase, either for immediate implementation or testing purposes. Ongoing purchases would need to be funded from departmental operating budgets.
- Equipment with special safety features in some cases can cost significantly more than similar products without the safety features. The Safety Fund could be utilized to pay for new equipment or the difference in price.
- Safety-related services. Additional risk management engineering, environmental testing, etc. to address a particular safety related issue.
It is expected that departments will appropriately budget for safety materials and equipment. The Safety Fund will not be used to fund recurring safety purchases that should be included in operating budgets.
To request an expenditure from the Safety Fund, complete a Safety Fund Purchase Request Form and submit it to the Business Manager. The request will be reviewed by a subcommittee of the Safety Committee, which will will approve or deny the request based on their evaluation of the request and the availability of funds. The size of the request should reflect the intended goal of funding multiple requests each year.
Please note: All international travel is governed by Clark’s International Travel Policy. Please review this policy prior to planning any Clark-related travel abroad.
The University encourages all international travelers obtain adequate health insurance to protect against financial loss due to an unanticipated illness or hospitalization. The University reserves the right to require proof of health insurance before approving international travel, particularly in the case of student travel.
Short-term health and medical emergency insurance can be purchased by faculty, staff, or students through the University’s insurance provider, HTH Worldwide. Please contact the Office of Study Abroad and Study Away Programs for more information.
Students who are enrolled in Clark’s student health insurance program are covered by Blue Cross’s BlueCard Worldwide Program. They also have access to worldwide travel assistance through AIG. Please see the AIG travel assistance services flyer for details. This coverage applies any time a covered student is travelling abroad — even if it is not Clark-related.
Students traveling abroad in either Study Abroad programs or on other short-term trips are required to obtain insurance from HTH Worldwide. This insurance provides health insurance as well as other benefits including travel assistance and evacuation in the event of political upheaval or natural disaster. HTH insurance can be obtained through the Office of Study Abroad and Study Away Programs.
Employees injured while working during a Clark-related business trip are covered by worker’s compensation insurance for medical expenses and lost wages. Please promptly report any work-related injury to the Human Resources department.
Clark also provides travel assistance through the CIGNA Secure Travel Program that can be used when travelling domestically or internationally. Download the CIGNA brochure and travel card.
When traveling to foreign countries, faculty and staff also have access to travel assistance services through ACE which covers:
- Assistance for medical emergencies including emergency medical evacuation and repatriation
- Emergency medication assistance
- Lost document assistance
- Emergency cash advance
- Legal access
- Emergency translations and interpreters
- Emergency evacuation in the even of natural disaster or political upheaval
- Concierge services
The ACE insurance also functions as international workers compensation insurance in the event an employee is injured in an accident which occurs while engaged in Clark-related business. Please note that it does not provide insurance coverage for illness or other medical condition that is not the result of either an accident or a disease that is endemic to the region the employee is visiting. It would also not cover non-work related accidents — for example, if an employee was hurt hiking or bike riding. For this reason, it is important that all faculty and staff travelling abroad ensure they have adequate health insurance. The ACE insurance can help obtain medical treatment in the event of a non-work related accident or illness but health insurance is needed to cover the costs. Please see the health insurance section above for more information.
Please download the ACE travel assistance summary as well as the ACE travel card, which contain important policy and contact numbers, prior on your trip. Please also complete Clark’s travel reporting form to provide Clark with emergency contact information and to register your trip for insurance tracking purposes.
All employers in Massachusetts are required to carry workers’ compensation insurance covering their employees for on-the-job injuries or illnesses. Clark University is a member of the Independent Schools Compensation Corporation (ISCC), which provides worker’s compensation insurance to more than 160 member organizations made up of private schools, colleges and cultural institutions. ISCC also provides safety and risk management services to help members maintain a safe workplace.
The safety and health of faculty and staff is a primary concern of the University. Safety is a shared responsibility between the University and its employees. The University has the responsibility to provide a safe, healthy workplace.
Faculty and staff are responsible for:
- Watching and caring for their own safety as well as the safety of others.
- Following safety rules, OSHA safety standards and training they may receive.
- Always using personal protective equipment where it is required.
- Reporting hazardous conditions or safety concerns.
Please report any hazardous conditions, unsafe practices, or improperly functioning equipment to your supervisor, the Human Resources Office, or Physical Plant. You may also send an email to firstname.lastname@example.org.
Any on-the-job injury, no matter how minor, must be reported immediately to the Human Resources Office 1-508-793-7294. The Human Resources Office will ask you to complete an accident report and subsequently file the appropriate forms with the insurance company and the Department of Industrial Accidents.
Medical expenses for work-related injuries or illness are paid by the worker’s compensation insurance company (ISCC). These expenses may include doctor and hospital fees, costs for prescription drugs, crutches, etc.
Employees are eligible for worker’s compensation wages from the insurance company if an injury requires an absence of five calendar days or longer. Employees who are unable to work due to their work related injury or illness will receive 60% of their average weekly gross wages up to a maximum amount as allowed by Massachusetts law. Employees who are capable of working, but only on a limited basis, may be assigned light duty work for a temporary period of time.
The above is only a brief summary of worker’s compensation benefits. For more details, please consult the appropriate employee handbook or contact the Human Resources Office at 1-508-793-7294.
Business and Financial Services at Clark University
Risk Management Office
Chief University Budget Officer
950 Main Street
Worcester, MA 01610
8:30 a.m. to 5 p.m.