Insurance
The Office of Enterprise Risk Management is responsible for overseeing many of Appalachian State University’s insurance programs from procurement to claims management. The State self-insures predictable losses and purchases insurance for catastrophic losses.
Property Insurance
Property insurance is provided through the State Property Fire Insurance Fund, which is managed by the NC Department of Insurance and provides coverage for App State’s state-owned buildings and contents on a replacement cost basis. App State has All Risk coverage on most buildings and contents.
Motor Vehicle Insurance
Travelers Insurance Company administers the State of North Carolina liability insurance program and handles claims. All state-owned self-propelled vehicles are required to be insured for liability. You may also purchase comprehensive, collision, and medical payments coverage through the program.
Liability Insurance
The State of North Carolina claims sovereign immunity. Therefore, General Liability protects the University and its employees for claims of bodily injury, property damage, and personal injury to others where the University is negligent relating to University business while acting within the scope of University duties. This protection does not extend to intentional or illegal acts.
Other Insurance
The Office of Enterprise Risk Management procures and manages various additional insurance policies to cover risks associated with the University.