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| Are volunteers covered under workers compensation? Authorized volunteers at any state agency are provided coverage for medical benefits only, if they are injured within the course and scope of their duties as assigned by the agency. Since they are not receiving compensation, they would not qualify for the weekly wage portion of the benefits.
Does state insurance cover personal vehicles? Automobile insurance through ORM would not be primary coverage on personal vehicles. ORM provides excess liability coverage over the limits carried on the personal vehicle, only while the vehicle is being used on state business.
Can a non-state employee ride in a state vehicle? The State Travel Office must authorize a non-State employee riding in or driving a State vehicle. Please contact the Travel Office at (225) 342-8010 to submit your inquiry.
Insurance coverage on courtesy vehicles When a automobile dealership provides a vehicle to a State agency, or often a State employee, to use at no charge, ORM refers to these as “courtesy vehicles”. If the vehicle is used strictly for State business, then ORM provides complete insurance coverage on the vehicle for the term that it is in the State agency's possession. If the vehicle is given to a specific employee to use at his or her discretion (business use as well as personal use), then it is the responsibility of the individual employee to retain insurance coverage on that vehicle just as if it were a personal vehicle. ORM would then provide excess liability coverage over and above those primary limits when the vehicle has an accident on State business only.
Proof of auto insurance for state vehicles ORM distributes a two-page document to all State agencies for them to place in each State vehicle. The most current form can be found here.
What is the process for requesting certificates of insurance? The Underwriting unit at ORM processes requests for certificates of insurance. The request must be made in writing and can be mailed, emailed, or faxed. Although the information needed can vary widely, please include at least the following info in your request:
Property and liability certificates of insurance are NOT renewed automatically at the beginning of a new fiscal year. You must request (in writing) to have the certificates renewed. The most efficient way to do this is to mail, fax or email a copy of the previous certificate with the word "Renew" written on it. How does insurance coverage apply to student interns? Please refer to Insurance Information Notice 97-3. Students interning as part of their course curriculum are not provided coverage for their own bodily injury through ORM, but will be provided general liability and/or medical malpractice liability if they cause injury or property damage to someone else. Any special contracts or situations that may seem out of the ordinary should be reviewed by ORM.
How do I report new buildings and/or contents? Procedures for adding new building structures and/or movable property can be found in the property section of the Exposure Reporting Manual.
Which state employees are provided bond coverage? All State employees are automatically provided bond coverage upon hiring, whether or not their specific position handles money, and if they have never committed any dishonest acts. Bond coverage will not apply to the employee who, in the past, has been involved in dishonest acts involving money or property, whether on or off the job. ORM will analyze each situation on a case by case basis.
What is the difference between bond coverage and crime coverage? Bond coverage applies to thefts and fraudulent acts made by State employees against their agencies. Crime coverage applies when a third-party enters a property by force and steals money or property.
Key contact questionnaires - how to report mailing address changes Approximately every other year, ORM will send a contact name request form to each agency. These names are then entered into a database to be used for contacting an agency by telephone or email when necessary and mailing insurance invoices, special claims reports, etc. It is important that the names ORM has on file are current. If your agency's address changes or a key person leaves the agency, you must complete a new key contact form at that time.
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