XI. Travel Insurance

The following is a brief description of the insurance the College carries tocover employees on official travel. Questions relating to coverage of non-employees or to whether certain travel qualifies as official travel for insurance purposes should be directed to the Controller, ext. 4315 before arranging the trip.

A. Business Travel Policy

The College maintains a Travel Insurance Policy which provides coverage for accidental death or dismemberment that occurs while an employee is on official travel. More specific information may be obtained by calling Purchasing and Property Management, ext. 4998.

B. Personal Property

The College maintains no insurance for loss of or damage to personal property during official travel. Travelers should seek reimbursement through their own insurance company or directly from the responsible party.

C. College Property

The College does not automatically insure its equipment or the contents of buildings. An individual traveling with College equipment should therefore contact Purchasing and Property Management, ext. 4999 to determine whether insurance should be purchased prior to travel.

Even if a department has previously elected to insure certain property, the coverage may not automatically extend to travel. In these cases, the department should also contact Purchasing and Property Management, ext. 4999 to determine whetherc overage is effective during travel.

D. Personal Automobiles

If a Hamilton employee on official business is involved in an accident resulting in damage to his or her vehicle, the employee's own automobile insurance applies. The mileage reimbursement amount is calculated to include coverage for fuel, auto insurance and wear and tear on the vehicle. Travelers who use a personal automobile that is not insured for collision damage should be aware that they will not be reimbursed by the College for such damage. If an employee on official business is involved in an accident that causes bodily injury or property damage to a third party, the traveler's auto liability insurance will apply first. When necessary and appropriate, College liability insurance may supplement the traveler's. Inquiries and notification of loss should be directed to Purchasing and Property Management, ext. 4999.

E. Rented Automobiles

Collision Damage Waiver, Personal Accident Insurance, Liability Insurance - The College maintains non-owned auto insurance coverage so all additional insurances should be declined. This insurance only applies to rentals purchased using a College purchase order, a College rental car account or the corporate VISA card.

F. Group Travel

Groups traveling together should be aware that the College's Business Travel Insurance has a maximum limit of $1M per occurrence, such as a single airline flight. For further information, contact the Purchasing and Property Management, ext. 4999.