General Professional Liability – The University participates in two self-insured trust funds [Ala. Code 1975 § 25-5-8] that pay all general and professional liability claims. These self-insured trust arrangements are shared amongst all University of Alabama System institutions. In addition to the self-insured trust, there is an extensive excess insurance program to cover matters that exceed the obligations of the self-insured trust funds.
Automobile Liability – The University is in a traditional insurance program underwritten by The Charter Oak Insurance Company, which is a Travelers affiliate. This program has a $1 million liability limit on owned, lease, non-owned and hired automobiles.
Worker’s Compensation – The University is exempt from the Alabama workers’ compensation statute [Ala. Code 1975 § 25-5-13] and does not carry traditional workers’ compensation insurance coverage. To protect our employees in the event of a work-related injury or illness, the University maintains an On-The-Job Injury/Occupational (OJI) illness program. http://hr.ua.edu/empl_rel/policy-manual/oji-policy.htm
The University, to the extent permitted by the Constitution and laws of the State of Alabama, will agree to indemnify the sponsored activity sponsor for the University’s own negligent acts or omissions in the performance of the sponsored activity project. The sponsor will be expected to indemnify the University from any liability arising out of the activities carried out pursuant to the obligations of the sponsored program and for the sponsor’s use of the sponsored activity results obtained from the activities performed by the University under the sponsored program. [General indemnity clause: Ala. Constitution 1901 Art. I § 14]