Eastern Michigan University

Risk Management


Damage/Theft of University Property

The University covers University-owned property against damage and theft subject to a deductible. Items originally purchased from a General Fund account are subject to a $500 deductible, and items originally purchased from an Auxiliary Fund account are subject to a $50,000 deductible to be paid by the department experiencing the loss.

Procedures for Submitting an Insurance Claim to Replace University-Owned Property
    • The department that experienced the loss of property should report the incident to the Department of Public Safety (DPS).
    • Departments should report the incident to Risk Management and Workers’ Compensation, utilizing the Property Loss Claim Form along with a copy of the original Purchase Order.
    • Departments may collect funds to replace property contingent upon the following conditions:
      • Department exercised care, custody and control of lost property.
      • Department is replacing lost property with same or like/kind and quality.
    • The amount the Department may collect is determined by various conditions, including but not limited to:
      • Remaining useful life of lost property.  Generally, property is depreciated based upon a 10-year life.
      • The Department may collect an amount equal to the prorated replacement cost (remaining life of loss property will be considered in the proration) less the deductible.

Non-University Owned/Personal Property

The University does not provide insurance coverage for the personal items of students, faculty or staff.  Personal items might be covered under a homeowner’s or renter’s insurance policy.


Requesting a General Liability Certificate of Insurance

The Department of Risk Management and Workers' Compensation provides certificates of insurance on behalf of the University. To obtain evidence of insurance, a written request must be submitted to the Director of Risk Management, along with a copy of the contract, if applicable. The information required to obtain a certificate is:

  1. Rationale/purpose for requesting a certificate
  2. Name of company who is making the request for the certificate, along with the company's address, specific names of individual to whom certificate should be directed, and an email address,  fax number and telephone number.
  3. The specific dates for which the Certificate should apply.
  4. Name of EMU department requesting the certificate and a contact person. Upon receipt of above, Risk Management staff may require additional information and will take action as deemed appropriate.

If there is a contract/agreement/request by another party to be named as an "Additional Insured" and/or any legal implication, EMU's General Counsel must first review these documents. If there are any outstanding legal recommendations, they must be satisfactorily resolved prior to any action by the Department of Risk Management and Workers' Compensation.

Requesting an Automobile Certificate of Insurance

The Department of Risk Management and Workers' Compensation provides Certificates of Insurance for University owned, leased and courtesy vehicles as well as state leased vehicles. To obtain an Automobile Certificate of Insurance, a written request must be submitted to the department with a completed Automobile Insurance Certificate Request Form and a copy of the applicable lease or purchase agreement. Please allow at least two business days to obtain an automobile certificate. When an automobile is no longer in use by the University, you must notify Risk Management to terminate insurance coverage on that vehicle. Each department is charged a very minimal annual premium for automobile insurance, which is deducted from the department's designated budget.

Michigan Universities Self-Insurance Corporation (M.U.S.I.C.)

The Michigan Higher Education Group Self-Insurance and Risk Management Facility, doing business as Michigan Universities Self-Insurance Corporation (M.U.S.I.C.) is a consortia of 11 of 13 Michigan public Universities in which Eastern Michigan University is a Member.

The Mission of M.U.S.I.C. is to provide a comprehensive risk management and loss control program to Member Universities by providing broad coverage for common exposures in the most cost effective manner.

Member Institutions:

  • Central Michigan University
  • Eastern Michigan University
  • Ferris State University
  • Grand Valley State University
  • Lake Superior State University
  • Michigan Technological University
  • Northern Michigan University
  • Oakland University
  • Saginaw Valley State University
  • Wayne State University
  • Western Michigan University

The Corporation is organized along a Board and Committee structure. The Board of Directors is comprised of a Director and Alternate from each Member Institution. The Board sets policy and direction and oversees the operations of the Corporation as well as its various Committees.

MUSIC Committees are comprised of voluntary representatives from the Member Institutions. The five standing committees and responsibilities assigned to each are:

  • Claims and Loss Control Committee: The Claims and Loss Control Committee is responsible for oversight of the loss control and claims handling activities for the purposes of minimizing the frequency and severity of accidental losses to Member Universities, and to ensure fair, prompt and cost efficient claims handling.
  • Finance Committee: The Finance Committee is charged with oversight of the financial affairs and the assets of the Corporation and making recommendations as appropriate to the Board.
  • Legal Committee: The Legal Committee is responsible for developing policies associated with legal issues that impact the successful operation of the Corporation. This includes oversight of the provision of legal services to MUSIC and its Members.
  • Planning and Oversight Committee: The Planning and Oversight Committee is to provide leadership in assessing MUSIC's corporate performance, develop strategies as required for MUSIC to achieve its corporate mission and to maintain and nurture the Corporation's relationships with its Members, Manager, Service Providers and other interested parties.
  • Underwriting Committee: The Underwriting Committee is responsible for review and oversight of all underwriting matters relating to coverage within MUSIC's retention and excess of MUSIC's retention.
  • Participation in the General Liability, Auto Liability and Errors and Omissions Program is mandatory. Members are also encouraged to participate in group purchase programs including, Foreign Liability, Medical Malpractice, Non-Owned Aviation, Automobile Physical Damage, Pollution and Cyber Risk.

M.U.S.I.C. President's Overview

By Michael M. Doxey, President, M.U.S.I.C.

In Michigan's challenging budgetary atmosphere and with growing pressures for identifying ways to save money through cooperative purchasing and other collaborative ventures, it seems appropriate to remind ourselves of a shining example of one of the first successful and effective collaborations between the state's universities.

In 1985 the Business Officers and Risk Managers of the thirteen public universities recognized that insurance coverages were either unavailable or very expensive. In response to that crisis, a task force was formed to study the problem and make a recommendation to the Presidents Council, State Universities of Michigan1. Under the leadership of Robert Romkema, then Vice President for Business and Finance of Eastern Michigan University, the task force recommended the formation of a risk sharing facility. With the support and approval of the Presidents Council, ten of the thirteen public institutions signed a participation agreement on June 25, 1987 authorizing the formation of a non-profit organization called the Michigan Higher Education Group Self-Insurance and Risk-Management Facility doing business as the Michigan Universities Self-Insurance Corporation – M.U.S.I.C.

Now, that precedent breaking venture has completed its twentieth year of operation. M.U.S.I.C. has saved its eleven Members2 several million premium dollars while providing broad coverages to the universities. Errors and Omissions (E&O) and Commercial General Liability (CGL) – the original coverages – continue to be the heart of the program. Property coverage was added in 1989 with several other coverages such as excess Workers Compensation, Automobile Liability and Physical Damage, Foreign Liability, Medical Malpractice and non-owned Aviation added as group purchases over the years.

While hard markets and times of natural and man-made turmoil in the insurance industry (9/11, hurricanes, earthquakes) caused premiums to skyrocket and coverages to erode, M.U.S.I.C. has been a positive force in mitigating the effect of those rising costs on its Members. Long term relationships with underwriters and sound loss control practices have paid off in significantly lower premium adjustments, than would have been experienced by the Members in the commercial insurance environment.

In addition, M.U.S.I.C. has declared dividends that have returned significant equity dollars to its Member Institutions. In the traditional commercial insurance environment these dollars would have been gone forever. Only through prudent financial management, attention to loss control, and effective claims handling have these financial expediencies been possible.

M.U.S.I.C., by design, is a volunteer organization with each person working on behalf of their institution and the Facility to bring affordable, consistent and effective risk financing, loss control, and claims management to each of our Members. This progress and success wouldn't be possible without the commitment and dedication of the Member Institutions' Directors, Alternate Directors, a host of other volunteers, and its third party administrators led by its Facility Manager Marsh USA.

M.U.S.I.C. and its Board of Directors want to thank the Presidents Council and the Business Affairs Officers for having the vision to create such an innovative method for resolving the insurance problem and for their steadfast support of the volunteers serving as officers, chairpersons and Members of Committees and for allowing them to give their time and expertise to these collaborative efforts. That forward thinking continues to "pay dividends" in the very challenging budget climate we face today. We all should be proud of the twenty years of success of M.U.S.I.C. and look forward to the challenge of another twenty years of challenges, successes and collaboration.


  1. The Presidents Council, State Universities of Michigan, based in Lansing, is a nonprofit higher education association serving Michigan's 15 state universities. Each year, Michigan's public universities serve about 280,000 students, focusing on the delivery of excellent undergraduate and graduate education and equal educational opportunity.
  2. Saginaw Valley State and Lake Superior State joined in 1990 and Michigan State dropped its participation in 2000.
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