Event Insurance

Students cheer on the Redhawks during a sporting event at Miami University.

Effective Date: 8-24-15

  1. Student organization will register the upcoming event through the Hub.
  2. On the Event Form Risk Assessment page, the student organization will choose the general type of event being held from the dropdown:
    • Aerobics
    • Banquets
    • Basketball
    • Concerts
    • Conferences/Meetings
    • Dances
    • Dodgeball
    • Education Events (no general public)
    • Fundraiser (on campus)
    • Handball
    • Harvest Festivals
    • Picnics (no pool or lake exposure)
    • Proms
    • Speaking Engagements
    • Track and Field (includes 5 K’s but no Triathlon or Ironman events)
    • Other
  3. The student organization will then choose from the list of activities to indicate the types of activities to be held during the event. This information will be used to assess risk beyond the level covered by the Student Event Umbrella policy. The following items are excluded from coverage:
    • Amusement or Mechanical Rides
    • Animal Acts/Shows
    • Boating
    • Gun and Knife Shows
    • Motorsports (ATV/Motorcycle/Auto/Motorboats/Snowmobiles)
    • Daycare/Preschool
    • Hot Air Balloon Rides
    • Amateur/Professional Boxing/Mixed Martial Arts
    • Professional Wrestling
    • Demolition Derbies
    • Bungee jumping
    • Hang Gliding/Parachuting
    • Luging
    • Parasailing
    • Rodeos
    • Sports Camps and Clinics
    • Aviation
  4. Once the form is complete and submitted, the Regional Office of Student Activities & Orientation (ROSA) will review the event. Contact will then be made by the Director via the Hub to alert the student organization that additional insurance is required for the event.
    • For items on the above excluded coverage list, a certificate of insurance naming Miami University as an additional insured, or additional insurance will be required. This certificate must carry limits with a minimum of $1,000,000 per occurrence/$3,000,000 aggregate.
    • Any amount under these limits must be approved by the Senior Vice President for Finances’ office.
  5. The student organization will be advised to forward the required certificates of insurance to Clarissa Gulley, Manager of Administrative Services and Risk Management in the Vice President For Finance & Business Services.
    • If there is not a certificate of insurance available that meets the required limits, Clarissa Gulley will advise the student organization via Hub or directly regarding the purchase of additional liability insurance.
  6. The Senior Vice President for Finance and Business Services' office will work with Student Activities and/or the student organization and the Program Administrator to attempt to secure insurance for the student organization. For more information about securing insurance, please e-mail the Vice President for Finance and Business Service Office.
  7. If unsuccessful, or the student organization chooses not to pay the premium associated with the insurance, Miami University will not permit the event to take place and the student organization will work with Student Activities to cancel the event.