905-336-3366 info@curie.org

Risk Management

Reports & Articles

Our philosophy is to be flexible:

We want to work with you to ensure not only the best insurance coverage, but fair and just claims settlements. CURIE’s strategic management of each claim means efficient and effective processing.

Comprehensive General Liability

The policy covers the legal liability and defence costs arising from bodily injury and property damage.

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The policy covers the legal liability and defence costs arising from bodily injury and property damage, including:

 

  • Premises and operations (accidents occurring in the buildings or grounds or at activities related to the university on a world-wide basis)
  • Personal injury (including false arrest, detention or imprisonment, invasion of privacy, libel, slander, defamation of character, etc.)
  • Sports activities
  • Professional malpractice (all “Health Sciences” medicine, dentistry, nursing, etc. also architects, engineers and other professionals)
  • Sudden and accidental pollution
  • Tenants legal liability “All Risks” basis (property damage to leased or rented premises)
  • Employers’ liability (where Workers’ Compensation is not applicable)
  • Watercraft (up to 1,000 tons gross registry)
  • Nuclear liability for sub-critical reactors and commercial radioactive isotopes)
  • Punitive or exemplary damages

Policy Limit – $50,000,000 per occurrence CURIE’S policy provides a very large primary coverage limit of $50,000,000 on a per loss occurrence basis. This will allow many universities to eliminate a number of “Excess” and “Umbrella” layers of coverage. Members requiring higher limits than what CURIE will provide can purchase these in the conventional market at attractive group rates.   Deductibles There are four deductible options available which each university can select to suit its own requirements: $0 – $1,000 – $2,500 – $5,000. Exclusions – Some standard Liability coverage exclusions apply, such as:

  • Workers’ Compensation
  • Use or operation of owned aircraft
  • Use or operation of licensed automobiles
  • War risks
  • Where nuclear operator’s liability coverage is required by the Nuclear Energy Act.
  • Employment Practices Liability
  • Intellectual property rights
  • Terrorism, cyber risk (for claims above $5 million)
  • Human Rights actions

Property Policy Info

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The policy covers the legal liability and defence costs arising from bodily injury and property damage, including:

 

  • Premises and operations (accidents occurring in the buildings or grounds or at activities related to the university on a world-wide basis)
  • Personal injury (including false arrest, detention or imprisonment, invasion of privacy, libel, slander, defamation of character, etc.)
  • Sports activities
  • Professional malpractice (all “Health Sciences” medicine, dentistry, nursing, etc. also architects, engineers and other professionals)
  • Sudden and accidental pollution
  • Tenants legal liability “All Risks” basis (property damage to leased or rented premises)
  • Employers’ liability (where Workers’ Compensation is not applicable)
  • Watercraft (up to 1,000 tons gross registry)
  • Nuclear liability for sub-critical reactors and commercial radioactive isotopes)
  • Punitive or exemplary damages

Policy Limit – $50,000,000 per occurrence CURIE’S policy provides a very large primary coverage limit of $50,000,000 on a per loss occurrence basis. This will allow many universities to eliminate a number of “Excess” and “Umbrella” layers of coverage. Members requiring higher limits than what CURIE will provide can purchase these in the conventional market at attractive group rates.   Deductibles There are four deductible options available which each university can select to suit its own requirements: $0 – $1,000 – $2,500 – $5,000. Exclusions – Some standard Liability coverage exclusions apply, such as:

  • Workers’ Compensation
  • Use or operation of owned aircraft
  • Use or operation of licensed automobiles
  • War risks
  • Where nuclear operator’s liability coverage is required by the Nuclear Energy Act.
  • Employment Practices Liability
  • Intellectual property rights
  • Terrorism, cyber risk (for claims above $5 million)
  • Human Rights actions

Errors & Omissions Policy

The CURIE policy will indemnify against
allegations of wrongdoing in four main areas.

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  • Governors and Officers, including employees while carrying out their normal duties on behalf of the University.
  • Professionals, for rendering or failing to render sound professional advice.
  • Fiduciary liability, arising from employees acting as Trustees for University Pension Plans.
  • Employee benefit liability, arising out of the administration of the various university benefit programs.

Policy Limit – $50,000,000 per claim Basis – Claims Made Deductible – $1,000 on Employee Benefits Liability only Exclusions

  • Fines, uninsurable matters, violation of statute
  • Dishonesty (covered by Fidelity Insurance)
  • Bodily injury, property damage, personal injury losses
  • Intellectual property rights
  • Personal advantage/illegal remuneration
  • Breach of contract
  • Environmental impairment
  • Terrorism, cyber risk (for claims above $3 million)
  • Human Rights actions

Policy Endorsements

Endorsements are generally intended to correct or clarify the intent of policy language ..

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Changes made by CURIE or requested by a subscriber to any of the terms, conditions, or definitions found within the standard insurance policy documents are issued on Policy Endorsements. All endorsements to policies must be approved and executed by the Attorney-in-Fact.

Endorsements are generally intended to correct or clarify the intent of policy language in circumstances where it may be vague or unclear as to its applicability in unique or unusual circumstances. Under no circumstances are endorsements intended to provide any one subscriber with insurance coverage that would not be available to all subscribers in the absence of the endorsement.

If a subscriber becomes aware of circumstances where the availability of insurance coverage is not clear, we encourage you to call a CURIE representative for clarification or interpretation on the matter.

OFFICe Hours

M-F: 9am – 4:30pm
Weekends: Closed

Phone & Email

905-336-3366
info@curie.org