Office of Risk Management

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.

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.

Disclaimer: The following information does not list all coverages, limits or exclusions. For full coverages, limits, exclusions and credential requests, 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

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

Disclaimer: The following information does not list all coverages, limits or exclusions. For full coverages, limits and exclusions, please contact our office.

All UT faculty, staff, and students traveling abroad on university-approved trips are automatically covered by a blanket international travel insurance policy underwritten by Chubb Insurance with a 24/7 travel assistance services provided by International SOS (ISOS). This Chubb Insurance policy covers sponsored trips, study abroad programs, research, independent study and internships. International SOS’s network for medical and security services operates 24 hours a day, 365 days a year, all over the world.

For more information about coverages and benefits, please see the latest International Travel Insurance Brochure.

For travel questions, please utilize your campus’s travel office as your primary contact.

Download and carry the International SOS member card while abroad. This includes the UT membership number and international SOS 24/7 contact information.