Jun 17 2009
Insurance
The advice from Coventry University on insurance is summarised here:
The University’s insurance policy only covers University owned property so physical damage/theft etc to any kit not belonging to us would not be covered.
With regard to the liability cover..the obvious answer is that this would only apply if we were considered liable. The current LIW situation is managed by the University; in as much as we supply the kit and install it in staff’s LIW location, if anything untoward goes wrong for which we were considered to be blameworthy then the University would be covered on our combined liabilty policy. If anything set up by the employee subsequently goes wrong then it’s difficult to see how the institution could be liable.
University insurance cover in the LIW context it is still a relatively grey area as we haven’t as yet (touch wood) ever had had any problems concerning LIW. If there were problems that may lead to a negligence claim then each case would be considered on its merits.
It may be worth noting that individual home policies of the staff concerned may need to be endorsed with the fact that they are using their homes as a place of work as non-disclosure of this fact could compromise their own cover should they need to consider any claims.
