General Insurance Summary
The University of Toledo (“University”) maintains a comprehensive insurance program designed to manage risks associated with its academic, research, clinical, and operational activities.
This summary is provided for general informational purposes only and does not amend, extend, or guarantee coverage for any specific activity, agreement, or individual. All coverage is subject to the terms, conditions, exclusions, and limitations of the applicable policies.
General Liability
The University maintains General Liability coverage for bodily injury and property damage arising out of University operations, including premises operations and authorized University activities.
Automobile Liability
The University maintains Automobile Liability coverage for owned, leased, hired, and non-owned vehicles used in the course of authorized University business and in accordance with University policies.
Workers’ Compensation
The University provides Workers’ Compensation coverage as required by applicable state law for work-related injuries or illnesses sustained by University employees in the course and scope of employment.
Health Science Campus Employee
Professional Liability
The University maintains Professional Liability coverage for claims arising out of the rendering of, or failure to render, professional services performed by the University and its authorized faculty, staff, students, and agents, acting within the scope of their University roles and responsibilities.
Professional Liability coverage applies only to covered professional services and is subject to applicable terms, conditions, exclusions, and limitations. Coverage may vary depending on the nature of the services performed, the individual’s role, and the specific program or activity involved.
Employers’ Liability
Employers’ Liability coverage is maintained in connection with the University’s Workers’ Compensation program to address certain employment-related liability exposures, subject to applicable terms and conditions.
Property Coverage
The University maintains property coverage for University-owned buildings, contents, and equipment against physical loss or damage, subject to applicable deductibles, exclusions, and coverage provisions.
Fine Arts Coverage
The University maintains Fine Arts coverage for scheduled University-owned fine art and cultural collections, including artwork, artifacts, and related items, subject to applicable policy terms, conditions, and exclusions.
Coverage terms, values, and locations vary by item and are not reflected in this summary.
Cyber Liability
The University maintains cyber and information security coverage.
Important Notice
This summary:
- Is provided for general reference only
- Does not constitute a Certificate of Insurance
- Does not create contractual rights or obligations
- Does not guarantee coverage for any particular activity, event, contract, or individual
Requests for confirmation of coverage, Certificates of Insurance, or additional insured status must be submitted to the University’s Risk Management & Insurance Office for review and approval.