Risk Management and Insurance Services

Risk Management and Insurance Services


The mission of the Office of Risk Management and Insurance Services is to be a resource for, and a service unit to, Coastal Carolina University. Our goal is to protect and preserve the University's financial solvency and its human and physical resources, including the safety of our students, employees, and visitors, through the development and administration of policies, procedures and standards. Effective risk management enables our University to achieve its primary goals of education, research, and service with minimal disruption from adverse events. We aim to assist in the management of our diverse operations, not by avoiding all risks, but by facilitating a collaboration of professional expertise to consciously determine and choose to accept risks that are tolerable to the institution.


The vision of the Office of Risk Management and Insurance Services is to continually improve our service to the University community, to protect the University’s human, intellectual, physical, and financial assets and resources, and to collaborate with faculty, staff, and students to help them meet their goals while protecting the University.


The goal of the Office of Risk Management and Insurance Services is to coordinate efforts with all departments on and off campus to ensure the protection and preservation of Coastal Carolina University’s human, physical and financial assets. This goal is accomplished by identifying potential human, physical, financial and natural losses and evaluating the best method for handling the risk whether it is risk avoidance, prevention, assumption or transfer.


The Office of Risk Management and Insurance Services provides the following:

  1. Report all workers’ compensation claims, assist employees, monitor and facilitate treatment / appointments and coordinate all aspects of claim process through closure
  2. Answer questions regarding all insurance coverage and policies
  3. Review Certificates of Insurance for all vendors and entities utilizing university facilities
  4. Coordinate insurance claims/Review/placement/maintenance for the following lines of Commercial insurance:

Automobile Comp & Collision

This policy covers damage to university-owned vehicles caused by contact with another vehicle or object.

Automobile Liability

This policy covers liability for accidents caused by an officer, employee, or officially recognized volunteer while operating a motor vehicle in the course and scope of his/her employment or official duties.

Building & University Property

This policy provides property damage coverage for University-owned buildings and contents. This policy covers damage due to fire, storm, flood, lightning, etc., but does not include theft or vandalism. Employee-owned personal property and other property that is not owned by the University is not covered under this policy.

Business Interruption

This policy replaces income that is lost if business is halted due to direct physical loss or damage, such as a fire or natural disaster.

Commercial Crime

This policy provides protection from financial losses related to business-related crime, including theft by employees, forgery, robbery, and electronic crime. This could include fraudulent manipulation of the insured's computer system, including a hacker transferring funds to an outside account.

Cyber Liability

This policy covers business liability for a data breach. This includes sensitive information such as social security numbers, credit card numbers, account numbers, driver's license numbers and health records.

Data Processing

This policy provides coverage for listed computer equipment. This policy covers losses due to theft but a police report must be filed if such property is stolen to make an insurance claim.

Directors & Officers Liability/Employment Practices Liability

This policy protects the personal assets of corporate directors and officers in the event they are personally sued by employees, vendors, customers, or other parties, for actual or alleged wrongful acts in managing a company.

Aviation (Drone) Liability

This policy covers costs related to property damage or injuries caused by commercial UAV operation.

Herbicide & Pesticide Liability

This policy protects Coastal Carolina University employees from herbicide and pesticide liability; it also covers your surrounding properties from injury or property damage caused by herbicide and pesticide application.

Inland Marine

This insurance policy indemnifies loss to movable or specialized types of property. This category of insurance includes property coverage for equipment, fine arts, musical instruments, and a wide variety of other types of property.

International Liability

This policy protects students, faculty, and staff from claims that arise against the traveler while traveling outside of the United States, Canada, and Mexico.

General (Tort) Liability

This policy protects the University from obligations for damages for injury or loss pf property, personal injury, or death caused by a negligent or wrongful act of omission of an officer, employee, or officially recognized volunteer while acting within the scope of his/her office or employment.

Ocean Marine

This policy protects against damages or theft to the university's vessels and cargo.

Professional Liability

Professional liability insurance protects university professionals, such as counselors, athletic trainers and licensed health care workers against negligence and other claims initiated by their clients.

Special Event

Departments may purchase commercial general liability insurance when required for special events on campus. Visit our TULIP/Sports Camp Insurance page for more information.

Sports Camps

This policy is designed to cover the clinic's employees and volunteers for liability claims. This policy will also cover medical bills related to accidents that occur during the covered event.

Student Club & Organization Liability

This policy protects student clubs and organizations such as club sports, academic teams, and various other university organizations against negligence and other claims brought forward to the University.