Claim Reporting
All incidents which result in or may result in a claim for loss or damages against JHU must be reported to the office of Risk Management and Insurance within 48 hours of the occurrence or as soon as the affected school/department/operating unit becomes aware of such an incident. Information or documentation not readily available can be submitted after the initial report. Any delay in reporting may result in no insurance coverage for the incident. Forms for reporting claims can be found in the forms library.
Liability Claims
General Liability is defined as a third party liability arising from the everyday operations of the University. It covers damage stemming from bodily injury, property damage, and personal injury.
In the event of an accident, please complete the Liability Form. In addition, please provide our office with the following information:
For Third Party Property Claims:
- Copy of Police/Security Report
- Copy of Paid Invoice for the Repair of Replacement of Damaged Equipment
- Copies of Purchase Orders and/or Invoices of Original Equipment
- Copies of Purchase Orders and/or Invoices of Replacement
For Bodily Injury Claims:
- Copy of Police/Accident Report
Property Claims
Property losses are those losses arising from damage or destruction of University equipment, buildings, or assets. The university maintains property insurance to cover losses to its buildings and contents resulting from all risks of physical damage including but not limited to fire, water, theft or a storm.
Any department sustaining a loss should complete the Property Claim Form. In addition to the claim form we need to receive the following information:
- Copy of Police/Security Report
- Copies of Purchase Orders of Original Equipment
- Purchase Orders of Replacements (replacements must be like-kind in value to the original value; no upgrades)
- Copy of Invoice for Repaired Equipment
- Rental Agreement between JHU and Vendor (if applicable)
There is a $1,000 insurance deductible per occurrence for claims.
The university’s insurance policy covers only university-owned property.
Automobiles
The university maintains an automobile liability policy that provides coverage for bodily injury or property damage claims in connection with University employees operating university-owned vehicles. The university is self-insured for collision and comprehensive losses to its vehicles.
All automobile accidents should be reported to the Security Office as
soon as possible and an Automobile Accident Report must be completed and
submitted to Risk Management.
