The University of Waterloo (the "University") has been a member of Canadian Universities Reciprocal Insurance Exchange (CURIE) since May 1998. CURIE provides the University's two largest policies - property and general liability. The University insures its remaining risks with commercial insurers and has a number of policies covering auto, boiler and machinery, environmental pollution, and travel accident.
Coverage is provided for third party liability, specifically arising out of the University’s liability for property damage and bodily injury to third parties. An example of a claim could be bodily injury due to a slip and fall on campus.From time to time, departments are required by outside service providers to provide proof of liability coverage in the form of a Certificate of Insurance. To arrange for a certificate, please fill out the Certificate of Insurance Request Form (Excel) and e-mail it to Jamie Mahony.
University-owned automobile insurance coverage includes:
- third party bodily injury or property damage
- accident benefits, and
- physical damage coverage to owned or long-term leased vehicles over 30 days.
Anyone driving a University-owned vehicle or renting a vehicle under the University’s name while on authorized University business must have a valid G drivers license. Drivers with G1 and G2 drivers licenses are prohibited from driving University vehicles or renting vehicles in the University’s name. Acceptance of out-of-province and out-of-country drivers licenses are at the Department’s discretion.
As per the Guidelines for Travel Expenses “The University requires that travel beyond the 500-kilometre radius from the traveller’s base is by way of public transportation (i.e., plane, train or bus) unless public transportation is not available.”
Driving Policy for University-Owned Vehicles
All individuals must complete, sign and submit the Individual Privacy Consent Form (Fillable PDF), and show proof of their valid Ontario G driver's license to their Supervisor or department designate, before they are permitted to drive a University-owned vehicle.
Accidents and Repairs
If you are in an accident involving a Department's vehicle, please first report it to the local police station and obtain a police report. Provide this information along with quotes and photos of the damage to both vehicles using the Damage or Theft Notification Form following the Property Damage Claim Procedure. If the Department vehicle is safe to drive and can be quickly brought back to the University, it is preferred that you work with the Plant Operations-Grounds department to take it into Fix Auto (University of Waterloo’s Auto Insurer’s preferred repair shop) for a quote.
Driving Policy for the use of Rental Vehicles for University Business
Non-owned automobile insurance provides liability coverage arising from the use of an automobile that is not owned by the University. The policy covers the Canadian and USA territory and is in place for short-term rentals of less than 30 days. Coverage includes third party bodily injury and excess property damage over property insurance obtained through the rental agency. Third party property and the rented vehicle should be covered primarily through the rental agency.
Insurance coverage when driving a rental vehicle on University business is conditional upon meeting the following requirements:
- Ensure the University of Waterloo and the driver(s) are listed within the rental agreement.
- The length of time the driver(s) rents the vehicle must not exceed 30 days.
- Each vehicle being rented must be below the manufacturer’s suggested retail price of $50,000 Canadian.
- When driving within Canada and the USA, individuals should decline third party liability insurance from the rental agency.
- When driving outside of Canada and the USA, individuals must purchase third party liability insurance from the rental agency.
- In all cases, it is strongly recommended that the driver(s) purchase collision or loss damage insurance coverage with a $0 deductible from the rental agency.
If you are in an accident while driving a rental vehicle on University business, please contact both the local police and the rental agency and then send an e-mail notification of the incident to Jamie Mahony.
Driving Policy for the Use of Personal Vehicles for University Business
Required Personal Auto Coverage
Employees or students may use their personal automobile on University business if it is:
- legally registered,
- insured, and
- in safe, road-worthy condition.
The individual must inform their insurance company when a personal vehicle is being used for business purposes and pay (if any) associated increased costs in the premium. As outlined in the Guidelines for Travel Expenses, the University is not responsible for these additional premium costs. Individuals driving their own vehicles on University business are required to carry a minimum of $1,000,000 automobile liability insurance.
Accidents and Liability
Individuals driving their own vehicles on University business are not insured for collision or third party liability under the University non-owned automobile insurance policy. In the event of an accident, the individual’s personal automobile insurance policy provides sole coverage for collision, liability and the individual must pay any deductibles required by their personal automobile insurance policy. The University is not responsible for deductibles owing under the individual's personal automobile insurance policy.
University of Waterloo accepts no liability for any loss, damage or injury that may result from the use of a personal vehicle for University purposes.
Machinery breakdown insurance covers a sudden and accidental breakdown of all boilers, pressure vessels, mechanical machinery, electrical machinery and apparatus.
Environmental pollution insurance covers on-site clean-up of accidental new conditions, and third party claims for off-site clean-up resulting from pre-existing or new conditions, bodily injury or property damage.