Risk Management
Risk Management Overview
St. Cloud State University is committed to creating and maintaining safe and secure environments to fulfill its mission of providing high-quality education. The university will create, implement, and monitor appropriate plans, programs, procedures, and training, consistent with legal and professional standards, regulations, and available resources, to promote the safety and security of faculty, staff, and students. These measures include, but are not limited to, compliance with security standards for individuals, environmental health, occupational safety, and emergency management.
Risk Management Areas
There are several key areas within risk management:
- Filing a Claim: Involves incidents such as property loss, crime losses, liability issues, and automobile damage. These are detailed below.
- Property Loss: Damage to state property like buildings, contents, or computer equipment.
- Boilers and Machinery: Damage to mechanical, electrical, heating, air conditioning, or refrigeration equipment.
- Crime Losses: Incidents involving employee dishonesty and the loss of money or securities.
- General Liability: Damage to others' property or bodily injury to persons (other than employees) occurring at St. Cloud State University or controlled properties.
- Automobile Damage: Physical damage to state-owned or leased vehicles, as well as liability for damage to others' property or bodily injury from vehicle use. All University-insured vehicles are required to have a Minnesota Insurance Card kept in the vehicle.
- Vehicle Crash Damage: For incidents involving vehicle crashes, fill out the Vehicle Crash Damage Notice form.
- Vehicle Glass Damage: For incidents involving glass damage to vehicles, fill out the Vehicle Glass Damage Notice form.
- Fleet Safety: Anyone who operates a state-owned or leased vehicle or drives a personal vehicle for state or University business must complete the vehicle user agreement and obtain eligible status and operate in compliance with minimum fleet safety standards.
- Foreign Travel and Travel Abroad: Guidelines for safety and insurance requirements for university-affiliated travel outside the country.
- Internships and Clinical Rotations: Students participating in internships or clinical rotations should procure Malpractice and Professional Liability Insurance. In many program areas, this insurance is available for students as a group policy and is provided through a tuition fee by course. Certain programs, courses, and advanced practice disciplines require individual student policies.
- General Insurance Requirements for Contractors: Contractors must meet specific insurance requirements prior to beginning work at the university. These must remain in effect throughout the duration of the contracted work.
Contractors and Insurance Requirements
Contractors are required to obtain certain levels of insurance before starting work at St. Cloud State University. This insurance must remain in effect for the duration of the contracted work. For more details, refer to Minnesota State's General Insurance Requirements.
If you have questions about these requirements, contact the Office of Risk Management at riskmanagement@stcloudstate.edu.
Employee Responsibilities for Reporting Incidents
As a state employee, you are required to report any incidents you are involved in or witness. This includes incidents such as property loss, crime losses, general liability issues, and automobile damage. All incidents must be reported in a timely manner (preferably within 24 hours of occurrence). All on-campus incidents should be reported and documented by Public Safety. Reports can be provided directly to the State Risk Management Office via the email address on the forms. When sending reports directly to the State Risk Management Office, the campus risk management office should be copied. Campus risk management is available to provide support and guidance for completing relevant forms and submitting reports to the State Risk Management Office. For more details, please refer to the Risk Management Areas section above.
Documents to Aid in Reporting
These documents will help you report incidents:
Worker's Compensation
All injuries to employees, including Graduate Assistants, student workers, and work-study students, must be reported to the employee's supervisor or Human Resources within 24 hours. Additional information and resources are available on the Worker's Compensation page.
