Brock Residence Contents and Liability Package Policy

Brock University is committed the safety of all students, faculty, staff, the surrounding community, and the University’s property.

As a student living in a Brock University Residence, you are required to maintain tenant insurance.

As stated in Brock’s 2018–19 Brock University Residence Agreement;

“8.5. Insurance: The University assumes no liability, directly or indirectly, for loss or theft of personal property, including food, or for damage or destruction of such property by fire, water or other causes (e.g. loss of utilities). You are required to obtain personal insurance against such losses. The University does not purchase such protection for personal property. It is recommended that students obtain coverage through a “rider” on the family’s tenant or homeowner insurance policy, which should include liability coverage for injury or damage caused by the student.”

For the benefit of Brock’s student residents, a Student Tenants Insurance Program for students has been developed, in an effort to ensure ALL RESIDENTS, and the University, are protected. The program is administered by Marsh Canada Limited, and underwritten by AIG Insurance Company of Canada.

Should you have alternate insurance coverage in place from another provider (i.e. parent/guardian’s homeowners, condominium or tenants insurance policy) and wish to opt-out of the University recommended program, please complete the Brock University Tenant Insurance Program Opt-Out Request Form (see below) no later than September 15, 2018.

Note:

Students who do not submit a request to opt-out by the above deadline will automatically be enrolled in the program for the year and a charge of $39.42 ($36.50 + 8% RST) each term, will be assessed to the student’s account.

Benefits for Residence Students

1. Peace of Mind – Upon moving into residence, students will automatically receive the following insurance coverage:

  • Contents $10,000 – “Named Perils” coverage on a replacement cost basis
  • $500 deductible.
  • Additional Living Expenses $2,500.
  • Personal Liability $1,000,000 (on- and off-premises).

2. Voluntary Participation – Students have the option to “opt-out” of the program provided they have alternate insurance coverage in place — for example they have purchased their own policy or are covered under their parents’ Homeowners policy. Students who wish to opt-out of the Tenants Insurance Program provided by the university must declare their intention to do so no later than September 15, 2018. Students who do not opt-out by this date will be automatically enrolled in the program.

3. Additional Living Expenses – While some Homeowners policies may extend Contents and Personal Liability coverage for students who are temporarily living away from home to attend university or college, Additional Living Expenses are not typically extended to third party locations. As a result, in the event of a claim where a student has to move out of their room while damages are being repaired, students should not rely on their parents’ Homeowners policy to provide coverage for any additional costs. Additional Living Expenses up to $2,500 are covered under this program.

4. Program Coverage is Primary – Where a student has elected to purchase the insurance offered by the university and they are also covered by another policy such as their parents’ Homeowners policy, the coverage provided by this program is primary. In the event of a claim: a) Coverage provided by any other policy would be secondary and would only be called upon to respond if the limits of coverage provided under this program were exhausted.
b) Your parents would not lose the “Claims Free Discount” on their Homeowners policy which is likely greater than the annual premium ($60) charged for the coverage provided under this program.

5. $500 Deductible – Most homeowners carry a $1,000 deductible or greater on their Homeowners policy. As a result, smaller claims are more likely to be covered under the Program policy due to the lower deductible.

6. Competitive Rates – The annual premium of $78.84 ($39.42 per semester) compares favourably with similar policies that many insurance companies charge a minimum premium of $250 to issue. Please note that the premium charged for coverage provided under this program will be included in the university residence fees unless a student elects to “opt-out.”

Brock University protects your privacy and your Personal Information. The Personal Information requested on this form is collected under the authority of The Brock University Act, 1964, and in accordance with the Freedom of Information and Protection of Privacy Act (“FIPPA”). The information will be used for insurance approval purposes. Direct any questions about this collection to the Insurance Coordinator in Human Resources department, at Brock University at (905) 688-5550, ext. 4763 or besafe@brocku.ca