University Risk Management Insurance Programs manages various types of insurance coverage required by MUSC and its employees.

Online Insurance Claim Form

Prowl Web application for departments professional liability

Insurance Policy Renewal Processes

The claim process
If your department receives damage, it is very important to notify this office as soon as possible. Once notified, we can assess the damage and notify our insurance carrier, The Insurance Reserve Fund. For the items damaged in your area, we will ask you to provide the original purchase orders or receipts. If you purchase replacements for the damaged property, send us a copy of the purchase orders or receipts. Other documentation that may be required include: incident reports; statements of witnesses; correspondence; photographs; recordings; bills; estimates; property or vehicle documentation and claimant forms.
Once we have obtained all of the required documentation, we can send the information to our insurance carrier to process the claim. Our insurance carrier will decide if the claim is covered, how much the settlement will be and if further information is required.
The department will promptly be notified of the claim status.

Building and Property Coverage
This policy covers the buildings owned by MUSC and MUHA on or off campus and all of the contents in those buildings. The covered contents does not include data processing equipment which is covered under another policy.
The deductible for this policy is $1,000; therefore, if a loss occurs and it is less than $1,000, it is not covered through the Building and Contents policy. If total losses from a claim are over the deductible amount and reimbursement is received, we will transfer the funds to the departments UDAK minus the $1,000 deductible.

Data Processing
This policy covers workstations, printers, copiers, network equipment, scanners, software, data and any other computer related equipment. The claim process is the same for this policy as for the Building and Property policy. The deductible for this policy is $250; therefore, if a loss occurs and it is less than $250, it is not covered through the Data Processing policy. If total losses from a claim are over the deductible amount and reimbursement is received, we will transfer the funds to the departments UDAK minus the deductible.

Business Interruption
This coverage provides compensation for the loss of business income and/or extra expense due to the necessary suspension of operations caused by direct physical loss of or damage to covered property. "Business Income" is defined as the additional expenses that are necessary to avoid or minimize the interruption of business.

Helpful Hints
· It is recommended that each department designate an individual to maintain records of the property in their area. These records should include: A description of the property, original purchase information including purchase orders, requisitions, receipts and asset numbers.
· If a department receives damage, notifying our department immediately may decrease the severity of the loss. Some of the things a department can do in the event of s loss are:
o If there is damage in your area, notify physical plant and our department immediately.
o If a theft occurs, notify public safety and our department immediately.
o Freeze wet documents if possible,
o If hard drives, CD's, disks, tapes, microfiche or films are wet, leave them wet.
o If equipment has been damaged, turn it off and leave it off.
o If available, cover any exposed items with plastic.

Our department is available to assist you in any manner with this process.