The primary goal of the Office of Risk Management is to support the University in assessing and mitigating risk. One of the techniques used to mitigate risk is to purchase insurance. Listed below are specific topics addressing risk through insurance.



University owned property is insured by the State Property Fire Insurance Fund (SPFIF).  The Fund covers University property losses resulting from an accidental event, primarily from the perils of fire and lightning. Coverage for additional perils such as sprinkler leakage, smoke, and business interruption can also be purchased through the SPFIF.  Coverage for specialized equipment and electronic equipment such as phone systems, computers, printers, fax machines, and copy machines is also available, but is not automatic and must be scheduled.  The Office of Risk Management & Insurance is available to assist you with review. If you feel we should review your department's insurance coverage please contact us. Any property damage loss should be reported to the Office of Risk Management & Insurance immediately.

Personal Property-Contents

It is important to understand that the University's insurance only covers University owned building contents. The personal property of students, faculty and staff is not insured under the University's insurance policies. It is strongly recommended that individuals who have their own personal property (including art, rugs, books, computers, etc) in their offices, studios, labs, dorm rooms, etc., purchase their own insurance to cover these items, or assume the risks which are inherent. Homeowner's or renter's insurance may provide the necessary protection, but any coverage should be verified from the individual's insurance provider. If any unit has University property stored or maintained at a non-University-owned location, an inventory listing should be provided for separate insurance coverage, as appropriate.

Leased Property/Equipment

When negotiating contracts to rent or lease property or equipment on behalf of the University, you should be aware that the insurance coverage often required by the lessor may NOT be a part of the University's insurance program. The State Property Fire Insurance Fund will insure University owned equipment.  If the terms of a lease/rental contract require insurance coverage, the Office of Risk Management & Insurance should be consulted PRIOR to finalizing the agreement.

Auto Insurance

Auto Liability

University owned vehicles, leased departmental vehicles, other licensed equipment, and all motor fleet vehicles, are to be used for official state business only. The vehicles shall be driven only by state employees, and must be used only in the course and scope of their employment. *It is unlawful for any state employee to use a state-owned vehicle for any private purpose whatsoever.*

North Carolina's Automobile Liability coverage contemplates "any self-propelled land motor vehicle, including mobile equipment, not operating on stationary rails or tracks."

Auto Physical Damage

University owned vehicles and mobile equipment are covered for physical damage only if they have been specifically added to our insurance policy.  Please contact the Office of Risk Management & Insurance to add physical damage coverage for any vehicle.  To add a vehicle we will need all the information on the "Facts needed to insure university vehicles" form.  The auto physical damage deductible for an accident is $100, provided the vehicle has been added to the policy for comprehensive and collision coverage. In the event of a covered loss, the unit which owns the vehicle is responsible for paying the policy deductible.

All accidents involving state vehicles or other property damage, regardless of amount of damage, must be reported within 24 hours of the accident. Please see the Claims Reporting Page to see how to handle an accident.

Rental Car Insurance

Domestic Auto Liability:

The University's Automobile Liability insurance will cover the individual as well as the vehicle when the vehicle is rented within the course and scope of employment; therefore, employees should not purchase additional liability insurance coverage sold by the rental company.

Domestic Auto Physical Damage: 

It is preferred that vehicles be rented under the State of North Carolina's contract with Enterprise Rent A Car.  If the rented vehicle is valued at less than $30,000 there is no need to contact Risk Management as insurance for Enterprise rentals is contemplated under their contract with North Carolina.  If the Enterprise vehicle is valued at $30,000 or more, you must notify UNC Charlotte's Risk Management office so the vehicle can be manually added to UNC Charlotte's policy.  We will need the information requested on the "Facts needed to insure university vehicles" form to add it for you.

If there is no Enterprise Rent a Car vehicle available, you MUST contact Risk Management to add the specific vehicle you rented to our policy before driving it.  NC policy prevents reimbursement for insurance purchased through a vehicle rental company.   Again we will need the information requested on the "Facts needed to insure university vehicles" form.

For all truck rentals other than Enterprise pick-ups, be sure to contact Risk Management, as they will have to be manually added to our policy.  We will need the information requested on the "Facts needed to insure university vehicles" form.

International Auto Insurance:

Purchase the maximum liability limits available from the rental company and full physical damage coverage on the vehicle. If possible add the University as an additional insured.

Use of Personal Vehicles

According to the State of North Carolina, if you use your personal vehicle on State (UNCC) business, your personal automobile insurance policy is considered to be primary.  In the event of an accident you will be responsible for paying your deductible and the State's insurance will not attach until your own policy limits have been exhausted.


University employees, officers, and agents enjoy substantial protection against personal liability for acts or omissions that occur in the performance of their work.  These protections are defined by Articles 31 and 31A of Chapter 143 of the North Carolina General Statutes as well as the terms of an excess liability insurance policy applicable to all State employees.

When a claim is made against a State employee, the Attorney General (or counsel authorized by the Attorney General) provides legal defense.  The Attorney General may refuse to provide defense under certain very limited circumstances, such as when the claim was not within the course and scope of the employee’s State employment or the act or omission resulted from the employee’s fraud, corruption, or actual malice.  When the Attorney General provides or approves legal defense of a State employee, the State agency for which the employee works is required by statute to pay up to $1,000,000 of any final judgment that may be rendered against the employee.

The State of North Carolina purchases an excess liability insurance policy that provides all State employees with supplementary coverage beyond the $1,000,000 paid directly by the employee’s State agency.  Under the renewed insurance contract negotiated by the North Carolina Department of Insurance, the coverage limits are as follows:

$1,000,000 for tort claims against the State

$2,000,000 per employee

$10,000,000 aggregate for claims against state employees

Of course, the insurance policy described here, like all insurance policies, is subject to certain limitations and exclusions.  However, any such limitations and exclusions apply only to the excess liability coverage and not to the $1,000,000 statutory protection provided to all State employees.

Coverage Documents

2022-2023 Certificate of Coverage (our version of a certificate of insurance)

2022-2023 Memorandum Regarding Excess Liability Coverage for University Employees, Officers, and Agents


To aid in the stability of the University's financial status, we require contractors and sub-contracts to carry minimum insurance coverage for certain areas.  These minimum requirements will indemnify the University from losses caused by others.  The contractor or sub-contractor is the primary responsible party able to manage any type of occurrence.  Please view the Minimum Insurance Coverage and Requirements document for the areas the University has identified as needing coverage.

Contact Us

Please contact the Office of Risk Management and Insurance at 704-687-5711 if you or your department require additional information. To report any of the above please complete the claims & incident reporting form.