Claims Management

About Reporting a Claim

To report an incident, please click here.  Additional instructions can be found on the portal and on the Report an Incident section of the website.

Property Claims

The commercial property insurance program carries a $2 million dollar per occurrence deductible. Each department or unit is responsible for assuming an internal deductible of $25,000.  The University's general fund insurance pool incurs covered expenses falling between the internal and commercial deductibles. 

Property losses are adjusted as follows:

  • Report of an incident must occur within 24 hours of the qualifying event.
  • Supporting documentation for damaged property being claimed for reimbursement must be reviewed by Risk Management. Please submit all supporting documentation (photos, estimates, invoices, etc.) and an inventory of damaged property utilizing this template. This should be submitted to insurance@osu.edu as soon as practicable.
  • Losses estimated to be over $100,000 may be subject to review by an external adjuster.
  • University computers and equipment in individuals’ homes and vehicles are to be covered by the individuals’ insurance coverage.

Liability Claims

The commercial liability insurance program carries a $5 million dollar per occurrence deductible. Each department or unit is responsible for assuming an internal deductible of $100,000.  The University's general fund insurance pool incurs covered expenses falling between the internal and commercial deductibles. 

Claims associated with the casualty program are handled through the Office of Legal Affairs. For information on access or use, contact the Office of Legal Affairs.

Other Claims

Automobile Liability Claims

  • Each department or unit is responsible for assuming an internal deductible of $10,000 per accident.
  • University-owned vehicle collision damage is the financial responsibility of the department to repair.
  • Injuries to employees of the university are covered by workers’ compensation.
  • In the event of an accident in a private vehicle (university non-owned or rented) the vehicle owner’s insurance is primary. Injuries to employees may be covered by Worker’s Compensation.

Report an Employee Accident

Employee Accident Report (PDF)

Fine Arts Claim

Each department or unit is responsible for assuming an internal deductible of $10,000.