Insurance Department

Policies and Claims Procedures

Aircraft Alcohol/Liquor Liability Automobiles Boiler & Machinery Buildings (Property) Builder's Risk Business Travel Insurance Comprehensive General Liability Contents/Equipment Fidelity/Crime Watercraft

The following is a brief description of some of the University's Insurance Policies and Claims Procedures. These sections are intended to serve as a reference guide in providing information on insurance policies and procedures and to answer some essential questions regarding the University's insurance policies.

It is important that you contact the Insurance Department if you have specific questions regarding these policies, procedures and claims reporting.

Business Travel Insurance

Policy Description:
The Business Travel Policy is a commercial policy that provides coverage for accidental death and/or dismemberment sustained by employees while traveling on University business. University employees eligible for Harvard benefits are automatically covered on the University's Business Travel Policy. The benefit level is five times earnings (annual rate of pay) with a minimum of $250,000 and a maximum $500,000.

Department Procedure:
Business Travel Insurance coverage is automatic for employees. In the event of a claim, the department head would be required to verify in writing that the employee was on University business at the time of the accident.

The beneficiary under the Business Travel Policy would be the same as the designated beneficiary under the employee's life insurance policy with the University. The employee can change the designated beneficiary by notifying the Insurance Department in writing.

Claims Procedure:
Notify the Insurance Office as soon as practical of any incident or potential claim that involves an employee on business travel.