Overseas Insurance Program
After a number of years of discussion and investigation we have procured several insurance policies, effective July 19, 2011, that will protect the State University and its employees against a range of risks that they may encounter in overseas activities. The covered activities include running study abroad programs, engaging in research, participating in joint educational programs, attending conferences and generally engaging in other SUNY-sponsored or related educational endeavors. This is a first- time ever program and will provide a greater degree of legal protection for all campuses, System and SUNY employees as we increasingly engage in international activities and pursue global opportunities. The insurance program described below will provide defense and insurance coverage when employees (or the State University) are sued in foreign courts or administrative venues or when claims for financial compensation are made in foreign jurisdictions that arise out of activities undertaken within the scope of SUNY employment. Claims and lawsuits brought in the U.S. arising out of foreign programs will continue to be handled in the normal manner, typically through representation by the Attorney General's Office and indemnification under the Public Officers Law.
In the event of an incident, travelers must notify Joe Schultz, Director of Human Resources at firstname.lastname@example.org or 607-777-2187
Detailed information about the insurance coverage is available upon request from either the Office of General Counsel or the Office of Global Affairs. In summary, the insurance program now provides the following types of coverage:
1. General Liability Coverage ( ACE International Advantage Program Policy)
Includes: commercial general liability, contingent automobile liability (for rented or leased vehicles), employers responsibility (primarily medical and repatriation coverage for medical emergencies and political unrest). The amount of coverage is $1 million per occurrence.
2. Educators Legal Liability (Chartis)
Includes: Directors and Officers liability and employment practices liability, such as claims of discrimination, wrongful termination, sexual harassment and breach of contract. The amount of coverage here is also $1 million per occurrence with applicable deductibles ($25,000 and $50,000 respectively).
Both General Liability and Educators Legal Liability coverage is available for all countries with the exception of those under trade embargo or sanctions from the U.S.
3. Kidnap and Ransom Coverage (Chubb Executive Protection Package).
Covers costs and expenses including ransom or extortion payments and replacement salary arising out of a kidnapping or a threat thereof. Provides access to the services of the Ackerman Group, a security consulting-crisis response firm. Covers employees and students and their relatives or guests. Coverage is worldwide with the exception of Nigeria, Iraq, Afghanistan, Pakistan, Sudan and Somalia. The amounts of coverage are confidential, in order to protect the viability of the coverage.
IN THE EVENT OF A KIDNAPPING: As a client of Chubb, you are guaranteed immediate response from The Ackerman Group Inc. In the event of a kidnapping, you may immediately contact The Ackerman Group (305.865.0072, day or night) and identify yourself as a Chubb Insured. Please see attachment RISKNET™.
IN THE EVENT OF A MEDICAL OR POLITICAL EMERGENCY: Call Europ Assistance® USA for Medical and Political Evacuation Emergencies, for Emergency Travel, Legal and personal Assistance Services and for Concierge Services. Call Europ Assistance® USA at (800) 766-8206 (if calling from U.S. or Canada) or if calling outside the U.S. and Canada, the following number should be utilized: IDD + 800 0200 8888. Please see attachment Executive Assistance® Services or go to the web site www.aceexecutiveassistance.com (Login id: acepremier Password: 7kilt6)
In the case of all other incidents, contact should be made with OGS Bureau of Risk, Insurance & Fleet Management at BRIM@ogs.ny.gov, who will in turn notify Cool (the insurance broker) to report the claim.
All written claims, demands for financial compensation or legal papers should be sent as soon as possible to OGS Bureau of Risk, Insurance & Fleet Management at BRIM@ogs.ny.gov with a copy to your campus counsel. OGS will in turn notify Cool to report the claim.
For more detailed information regarding the Overseas Insurance Program, please view the following documents: