Exhibit A - Insurance Allocation/Expense Matrix
Insurance/Administrative Expense | Allocation Methodology | Unit Expense Allocation | 可扣除的评估 | Percent of Deductible Apportioned to Claim | ||
Non-辅助单位 | 辅助 | |||||
1 | Administrative Expense: Michigan Universities Self-Insurance Corporation (M.U.S.I.C.)项目 - Covers costs associated with annual M.U.S.I.C. service providers' fees. | 面积 | MBH | N/A | N/A | N/A |
2 | 汽车责任: Covers legal defense and damages (including bodily injury and property damage) as a result of an accident in a university owned/leased vehicle. Does not cover employee personal vehicles. (Note) Michigan Assigned Claims Administrative Cost is included in the allocated premium. | 每辆车暴露量 | (Varies)Per number of vehicles owned/leased by individual departments | No | N/A | N/A |
3 | Auto Physical Damage (aka comprehensive and collision coverage): 财产 damage to /盗窃 of university owned/leased vehicles. Does not cover employee personal vehicles. | 每辆车暴露量 | (Varies) Per number of vehicles owned/leased by individual departments | 是的 | 100% | 100% |
4 | 网络: Covers events of data loss and 电脑欺诈, including liability for data breach associated with technology services or products, 盗窃, loss or unauthorized disclosures of Personal Identifiable Information. | 不分配 | N/A | 是的 | 100% & for Negligent claims: 100% of deductible plus $10,000 Penalty Assessment | 100% & for Negligent claims: 100% of deductible plus $10,000 Penalty Assessment |
5 | Educators 法律 Liability: Covers 法律 defense and damages related to claims involving breach of contract, 歧视, 吹哨人, 等. | 工资暴露 | MBH | No | N/A | N/A |
6 | 忠诚 & 犯罪: Covers the University for crimes related to: employee dishonesty, 伪造或变造, 电脑欺诈, 基金转移, 信用卡, 货币与证券, money orders and counterfeit money | 面积 | MBH | 是的 | 10% of current deductible | 100% |
7 | 美术: Covers 盗窃 of/damage to paintings, 蚀刻, 图片, tapestries and other bona fide works of art. | Total Insurable Values | MBH | 是的 | 10% of current deductible | 100% |
8 | 外国责任: Covers costs the University may be legally obligated to pay for third party claims that result in personal injury and/or property damage while abroad. | 不分配 | N/A | 是的 | 10% of current deductible | 100% |
9 | Foreign (出国留学) Travel: Covers students and accompanying faculty, 工作人员, guests and volunteers who are part of an education abroad experience or conducting approved international travel for the expenses related to medical evacuation, 遣返, political and/or natural disaster evacuation. | 不分配 | N/A | No | N/A | N/A |
10 | General Liability (including miscellaneous healthcare professional and law enforcement): Covers legal defense and damages related to personal injury and/or property damage claims. | 面积 | MBH | No | N/A | N/A |
11 | 医疗事故: Coverage for legal defense and damages related to alleged erroneous acts of physicians, 医学专业的学生, and miscellaneous medical professional students. | 医学专业 曝光 | 医学院 | No | N/A | N/A |
12 | 多媒体责任: Covers legal defense and related damages (personal injury) related to publications, 时事通讯, 广告, 广播, 网站, 等. which the University operates. | 不分配 | N/A | 是的 | 10% of current deductible | 100% |
13 | Non-Owned航空: Covers amounts the University may be legally obligated to pay for bodily injury/and or property damage resulting from the use of non-owned aircraft. | 不分配 | N/A | No | N/A | N/A |
14 | Premises Pollution Liability: Covers legal defense and clean-up costs associated with a pollution condition attributed to the University. | 不分配 | N/A | 是的 | 10% of current deductible | 100% |
15 | 财产: Theft of/damage to university owned property, property in transit or property loaned to university. | Total Insurable Values | MBH | 是的 | 10% of current deductible | 100% |