What is Covered by LCSC's Liability Coverage?
The following is a brief overview of the
types of coverage in the State liability program:
General Liability - provides for liability
bodily injury and
property damage arising out of routine
operations of State government, sale of products, building and premises
contractual assumption of liability.
Automobile Liability - provides coverage for
all State-owned and State-leased vehicles license for road use and also
provides the State's protection for various liabilities arising out of the
operations of non-owned vehicles.
Liability coverage is also provided for
Personal Injury Liability, Errors and Omissions Liability and Medical
Malpractice Liability coverage (for applicable State entities and programs).
Common exclusions of the State's Liability
Coverage include: · Claims arising from intentionally injurious or malicious
acts of employees or volunteers · Acts of employees outside the course and
scope of employment · Claims for recovery of wages, salary, benefits and
related items · Claims involving breach of contract · Fines or penalties,
including punitive damages · Claims for inverse condemnation or eminent
domain · Claims for injunctive relief or declaratory judgment · Attorney
fees awarded in an action were coverage is not otherwise provided
Who is Covered?
The State of Idaho, any agency (including
State Colleges) of the State, State public health districts, any other
entity under the State's control for which it assumes active management,
employees, authorized volunteers, members of Boards or Commissions, elected
or appointed officials.
Definition of Liability Coverage?
Our liability coverage is not an insurance
coverage; the State liability coverage is like self-insurance, in that the
State of Idaho has a Retained Risk Fund that covers all State entities
(including the State Colleges) for liability.
Thus, there is no (primary) liability
insurance policy for Lewis-Clark State College (LCSC). LCSC does have
insurance for other types of insurance areas, Property, Inland Marine,
Foreign Liability, Excess Liability, etc., but not for the State's primary
Retained Risk Liability coverage.
The State's public liability program provides
coverage for most claims allowed by the Idaho Tort Claims Act (Idaho Code
6-901 et seq.). A summary of LCSC's liability coverage is as follows:
Description of Coverage
This liability coverage is designed to
provide protection to the State (including LCSC) and its employees for money
damage claims arising out of negligent acts.
$500,000 combined single limit per
occurrence, as provided by the Idaho Tort Claims Act.
Lewis-Clark State College Deductible
Any questions about general liability
insurance should be directed to Theresa Chrisman, Administrative Services, at (208) 792-2240 or via