Risk Management
Org Chart (PDF)
Our Office

Risk Management
Kendall Hall 205
530-898-6588
risk@csuchico.edu

Regular Hours
8 a.m.–5 p.m.
Monday–Friday

Mailing Address
Risk Management
400 W. First St.
Chico, CA 95929-0130

Shipping Address
Risk Management 130
940 W. First St.
Chico, CA 95929

For Service Agreements, Contracts, and Purchases (including Vendors & Contractors)

The majority of service orders and contracts necessitate general insurance requirements as follows:

  • General Liability: comprehensive or commercial form minimum limits each Occurrence $1,000,000, General Aggregate $2,000,000.
  • Employer Liability: $1,000,000.
  • Business Automobile Liability: minimum limits for Owned, Scheduled, Non-Owned, or Hired Automobiles with a combined single limit of not less than $1,000,000 per occurrence.
  • Workers' Compensation: as required under California State Law.
  • Errors and Omission: required for professional service consultants and professional service design architects/engineers.
  • Hold Harmless Provision: reference CSU General Provisions for Service Agreements as maintained in the Contract Resource Library.

Vendors are required to provide evidence of satisfactory coverage prior to the commencement of any services.

Exceptions: The limits shown above will generally be required for service providers involved in low-risk activities. Higher limits will be required for service providers performing potentially high-risk activities.

Evidence of Adequate Coverage - Insurance Requirements

Evidence of adequate insurance coverage is required by furnishing to the University a certificate of insurance that includes an additional insured endorsement and each insurer shall have an A.M. Best (or equivalent) rating of at least A:VII unless otherwise agreed to by the University.

An additional insured endorsement must accompany each certificate (workers' compensation excepted).  The standard insurance form #CG 20 10 10 01 is accepted.

Endorsement is to be on a separate page and the wording on the endorsement is to be exactly as follows:

  • The State of California; the Trustees of The California State University; California State University, Chico; Chico State Enterprises; and the officers, employees, volunteers and agents of each of them are included as additional insureds.
  • Coverage shall not be canceled, modified, or reduced without thirty (30) days advance written notice to the University, delivered by certified mail, return receipt requested.
  • Business (or Commercial) Automobile
    Provides coverage for business automobiles regardless of whether they are owned, leased, hired or borrowed.
  • Employer Liability/Workers Compensation Insurance
    Provides four types of benefits for job related injuries or disease. They are medical care, disability, death, and rehabilitation.
  • Environmental Impairment (Pollution)
    Covers negligent acts and/or omissions by the individual or organization resulting in damage to the environment.
  • Equipment Floater
    Covers equipment that moves from location to location from perils of nature or collision.
  • Errors and Omissions
    Coverage for various professions that require protection of negligent acts and/or omissions resulting in bodily injury, personal injury, and/or property damage liability to a client. Typically architects are required to carry Errors and Omissions.
  • Excess Insurance
    Coverage above the primary amount of insurance coverage.
  • Fidelity Bond
    Coverage that guarantees that the insurance company will pay the insured business for money or other property lost because of dishonest acts of its employees. The bond covers dishonest acts such as larceny, theft, embezzlement, forgery, misappropriation, wrongful abstraction, or willful misapplication.
  • Garage or Garage Keepers Insurance
    Coverage for injury, property damage or destruction for which the insured garage or its representative become legally liable resulting from the operation of the garage.
  • General Liability
    Coverage for an insured when negligent acts and/or omissions result in bodily injury and/or property damage when someone is injured as the result of using the product manufactured or distributed by a business or when someone is injured in the general operations of a business.
  • Liquor Liability
    Legislation that makes an establishment or individual selling liquor responsible for injuries caused by its customers to a third party.
  • Professional Liability Insurance
    Coverage for specialists in various professional fields that work with the general public and have greater than average expertise in particular areas, for example lawyers, surgeons, druggists, and insurance agents.
  • Property Insurance
    Indemnifies an insured whose property is stolen, damaged or destroyed by a covered peril.