Insurance
Eligibility
The role of the university insurance programs is to protect and conserve the human, property, and financial resources of the University of Nebraska Omaha (UNO). UNO uses a variety of financing methods that include self-insurance and commercial insurance. It is important that all faculty and staff participate in the program in order to protect and conserve the assets of the university. The various programs are:
Property
All property owned by UNO is covered under a blanket property program that provides coverage at a replacement cost value. On any property loss the department will pay a deductible of $2,000. Property losses should be reported to the UNO Risk Manager. The UNO Risk Manager will administer property losses of under $200,000 and the property insurance carrier will administer losses above the $200,000.
- Coverage does not extend to personal property. Some exceptions apply if property is being used at the request of, or to benefit, the university.
- The university's property insurance program covers university-owned property in transit.
Liability
UNO has a self-insured comprehensive general liability program.
Worker's Compensation
Worker's Compensation covers all employees of the university including student workers. The coverage is for injuries arising out of and in the course of a person's employment. Worker's Compensation pays the employee's medical bills and if the employee is off more then five (5) days, Worker's Compensation will pay 2/3 of the person's wages up to a statutory maximum.
Human Resources policy allows an employee up to five (5) days of injury leave based on the normal hours the person worked. This can be used as long as there is a doctor's note stating the person should be off work. Work-related accidents should be reported immediately to the Human Resources Benefits Manager.
Automobile Coverage
The University of Nebraska has liability coverage on all university vehicles used for business. For department owned vehicles there is an option to purchase full coverage for that vehicle with an extra charge to the department. Employees using personal vehicles while conducting university business will have their personal auto insurance coverage as primary coverage, and the university plan will be secondary coverage (excess over this primary coverage).
In the event of physical damage to another vehicle when using personal vehicles while on university business the responsibility of the damage will be with the employee and their personal insurance. The university does not provide any coverage in this area. Worker's Compensation covers employees using a university vehicle while on business. Students who ride in a university vehicle and are not employees have no coverage unless they have purchased the university's field trip insurance, which provides for $30,000 of accidental death coverage and $2,500 of accident medical coverage.
Student Field Trip Insurance
Student Field Trip Insurance provides limited medical coverage and death benefits in the event of an accident during travel. All UNO students are required to have Student Field Trip Insurance when traveling outside the city of Omaha. Trips that are made inside the city of Omaha are not required to have Student Field Trip Insurance but are encouraged to do so. All Student Field Trip Insurance requests should be turned in at least three (3) days prior to the trip departure date. If a Student Field Trip Insurance request is not completed, the student will not be covered.
- Departments will be recharged for insurance premiums for department-owned vehicles that request full coverage for student field trip insurance.
Download the Student Field Trip Insurance application
Requests for Insurance
There are three ways to request insurance:
Fax: 402.554.2244
E-mail: Miranda Marreel at mmarreel@unomaha.edu
Campus mail to: 209 EAB
Contact Miranda Marreel at 402.554.2322 with questions.
Air Ambulance Card
The Air Ambulance Card is a membership program that flies sick or injured members to the U.S. or Canadian hospital of their choice when they are hospitalized 150 miles or more from home, domestically or internationally.
The University of Nebraska Omaha (UNO) recommends this membership to be in force for any university faculty/staff traveling to a foreign location (requiring a passport) or Alaska and Hawaii.