Appalachian State University Student’s Liability Insurance Plan

Internships, Practicums, Field Experiences, Clinicals, and Student Teaching

Appalachian State University requires professional and general liability coverage for all students enrolled in internship, field experience, practicum, clinical, and student teaching. Therefore, the University has assisted by locating a policy that can be purchased by University students for this purpose. The premium for this coverage is charged to each student’s account upon enrollment.

Coverage:

Students who purchase this policy are provided coverage for an act, error or omission in the rendering or failure to render professional services in conjunction with their internship, field experience, practicum, clinical, or student teaching experience. This insurance will also pay the amount of damages (up to the coverage limits) on behalf of an insured party (the student) when a judgment is entered against the student for property damage, bodily injury or personal injury arising out of their participation in the internship, field experience, practicum, clinical, or student teaching experience to which the policy applies.

Note: The Professional and General Liability policies do not include any personal health care coverage for the insured student's personal injury. In other words, if a student injures themselves during an internship the cost of medical care for that injury would not be covered by the professional/general policy.  Rather, any such injury would be covered under the student's personal medical insurance policy. Please contact your personal medical insurance provider for more information on coverage limits and exclusions. 

Coverage Limits:

$2,000,000 each occurrence for Professional Liability including bodily injury, property damage, or personal & advertising injury claims.

$4,000,000 aggregate limit (other than products/completed operations)

Major exclusions include intentional acts; liquor liability; pollution liability, automobile liability; the insured student's property or property of others in the student's care, custody or control; employment practice liability; physical assault, abuse or molestation; nuclear energy liability; workers compensation; dishonest, fraudulent, criminal, or malicious acts of omission; unemployment compensation; disability benefits. Refer to policy for a complete list of coverage and exclusions. A complete copy of the policy can be obtained upon request.

Claim Information:

If you have a claim or are sued or threatened with a lawsuit, report the claim within 48 hours of the incident:

Liberty Insurance Underwriters, Inc; Attn: Mercer Claims

55 Water Street 23rd Floor, New York NY 10041

Toll Free: 1-855-511-8097 E-Mail: MercerClaims@libertyiu.com

When initiating a claim, please be prepared with the following information: policy number, full name, contact information, course of study, date/time/place of incident, and details of the incident.

Policy Information:

Coverage provided by: Liberty Insurance Underwriters, Inc., Mercer Consumer
Client Number: 1335234   Policy Number: AHV-103329002 
Policy Effective Dates: 08/15/2016 - 08/14/2017
Cost per student: $10.00 per student for the year; effective dates indicated above

Certificate of Insurance (COI) Coverage:

Students: If your internship host has asked you to provide proof of your insurance coverage, a Certificate of Insurance or a COI, contact Sharon Jensen at 828-262-2832 or jensensc@appstate.edu.

Faculty: To request a Certificate of Insurance for your program or department, please contact Diane Pitts, pittsdj@appstate.edu or phone extension 6433.