Office of Risk Management
The Office of Risk Management helps protect UT’s people, property and mission by managing risk across all campuses and supporting responsible, informed decision-making. From insurance and claims to training and prevention, the office provides guidance and services to minimize risk and protect UT’s assets.
Contact Us
Need assistance with a risk-related matter? Contact us for expert support, forms and next steps.
riskmanagement@tennessee.edu
865-974-5409
Risk Management Tools and Support for UT Staff
From reporting incidents to reviewing insurance guidelines, employees can access all Risk Management tools and support directly on the intranet. Visit us on the UT System Central Hub to get started.
Insurance Policies for Students and Non-UT Affiliates
From property coverage to health insurance, explore your options and protect yourself while studying, visiting, or working temporarily with UT.
Student Health Insurance
The University of Tennessee offers student health insurance for international and domestic degree-seeking students taking 6+ undergraduate credit hours or 3+ graduate credit hours and students participating in a co-op program. Dependents of eligible students are also eligible for coverage.
Visit the UT Student Health Insurance portal provided by The Hildreth Agency for the latest information.
Student & Employee Renters/Property Insurance
The University of Tennessee does not carry insurance on students’ or employees’ personal property and will not pay to replace them.
Students are strongly encouraged to secure personal property insurance to protect against theft, damage, or loss—risks often not fully covered by homeowner’s policies. Coverage is also available for UT employees seeking protection for items like laptops or smart devices.
If you decide to purchase insurance, there are a wide variety of companies and policies available. The University of Tennessee has made arrangements with one of our preferred brokers, Arthur J. Gallagher & Co., to offer specialized student property protection insurance. Gallagher has created this property insurance plan for students living away from home. The coverage afforded by their policy is broader than most renter’s and homeowner’s insurance policies that are available in the insurance market. Special provisions and benefits of their policy include:
- Replacement Cost Valuation
- Flood and Earthquake Coverage
- Low Deductibles starting at $25
- Worldwide Coverage Territory
- Limited Identity Theft Expense Coverage
- Premiums as low as $69 annually
Click here for a free quote or more information from Gallagher.
Student Professional Liability
Disclaimer: The following information does not list all coverages, limits, or exclusions. For full coverages, limits, and exclusions, please contact our office.
UT offers optional professional and general liability insurance for students in field placements, protecting against potential malpractice claims. Coverage with the Student Professional Liability costs $10 annually and is available systemwide.
In the event that you are contacted by a law firm representing a patient/client/facility, please notify the Office of Risk Management immediately.
This policy has the following coverages and limits:
- Professional Liability
- $1,000,000 per occurrence
- $6,000,000 aggregate
- General Liability
- $1,000,000 per occurrence
- $6,000,000 aggregate
The following professional services are covered under this policy:
- Athletic Trainer
- Audiologist
- Clinical Lab Tech
- Counselors (Clinical/Rehab/Mental Health)
- Criminal Justice
- Cytopathology
- Dental Hygienist
- Dietitian
- Exercise Physiologist
- Exercise Science
- Health Educator
- History
- Hotel, Restaurant, and Tourism
- Human Resources Management
- Interior Design
- Kinesiologist/Kinesiotherapist
- Medical Lab Tech
- Modern Foreign Language/Medical Interpretation
- Music Therapy
- Nurses (RN/LPN/LVN/Anesthesia)
- Nurse Practitioner
- Nutritionist
- Occupational Therapist
- Pharmacist and Pharmacy Techs
- Phlebotomy
- Physical Therapist
- Physician Assistant
- Psychologist
- Public Health
- Recreation Therapist
- Retail Consumer Science
- Social Work
- Sports Medicine Therapist
- Service Learning
- Vet Med
Tenants’ and Users’ Liability Insurance
The Tenants’ and Users’ Liability Insurance Policy (TULIP) provides low-cost special event insurance to third parties using college or university facilities. TULIP is event-specific and protects both the facility user/third party and the institution against claims by individuals who could be injured or experience damage to property as a result of participating in an event. Events may range from classroom seminars, receptions, or weddings to festivals and fairs, sporting events, or concerts.
Visit the TULIP website to review covered activities and quote coverage.
Per Event Limits:
- $1,000,000 – Products/Completed Operations Aggregate
- $1,000,000 – Personal Injury/Advertising Injury
- $1,000,000 – Each Occurrence (Excess Liability may be purchased)
- Excluded – Medical Payments Expense
- $1,000,000 – Third Party Property Damage
- $1,000,000 – Liquor Liability (additional cost)
- $50,000 – Abuse or Molestation (additional cost)
Deductibles:
- None – General Liability
- $1,000 – Property Damage
