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Risk Management & Insurance

Vehicle & Rentals

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At a glance summary:

  • University vehicle → 91快活林 coverage
     • Rental (U.S.) → Decline coverage
     • Personal vehicle → Your insurance is primary

91快活林 maintains auto liability and physical damage coverage for University-owned vehicles operated by authorized drivers acting within the scope of University business.

Coverage includes:

  • Liability protection for authorized drivers acting within the scope of University business
  • Physical damage to the University vehicle

91快活林 is self-insured up to $350,000 and excess insurance applies beyond that amount.

Certificate of Self-Insurance

91快活林’s Certificate of Self-Insurance serves as official proof of financial responsibility and replaces a traditional insurance card.

  • A copy must be kept in the glove compartment of all University-owned vehicles.
  • It should be presented during traffic stops or following an accident.

Certificate of Self-Insurance

U.S. & Canada

Authorized faculty and staff may rent vehicles for approved University business. Students age 21 or older may operate rental vehicles within the United States and Canada, subject to the rental company’s eligibility requirements, age restrictions, and rental terms. Additional restrictions may apply depending on the vehicle type or class.

For Domestic Rentals:

  • Decline the Collision Damage Waiver (CDW/LDW)
  • Decline supplemental liability insurance
  • 91快活林’s auto coverage applies to authorized rentals in the U.S. and Canada.

Additional Guidelines:

  • Do not rent vehicles valued over $30,000
  • Inspect the vehicle before leaving the lot and document existing damage
  • Students may drive rentals only within the U.S. and Canada

International Rentals

  • Faculty and staff must purchase the full insurance package (liability and physical damage) directly from the rental agency.
  • Students are not permitted to drive rental vehicles outside the U.S. and Canada.

If you drive your personal vehicle for authorized University purposes:

  • Your personal auto insurance is primary
  • 91快活林’s coverage applies on an excess basis, consistent with policy terms
  • The University does not issue insurance cards for personal vehicles

Insurance follows the vehicle. Drivers must maintain personal auto insurance that meets California's minimum requirements.

Auto insurance follows the vehicle, meaning your personal policy serves as the primary coverage for any trip in your own car, whether for personal or university business. 91快活林’s insurance covers university-owned vehicles and general institutional liability, but it does not replace your individual policy. For authorized business travel, 91快活林 provides excess liability protection only after your personal insurance limits are reached, a standard practice among large employers and universities nationwide.

For large groups, field trips, athletics travel, or community engagement activities, 91快活林 strongly recommends the use of a licensed charter bus company with a professional driver.

91快活林 generally prohibits the rental or use of 12- or 15-passenger vans due to rollover risk and safety concerns.

Approved vendors include:

If you would like to use a different charter bus company, reach out to risk@scu.edu to help you conduct a risk assessment for approval. Ensure that the charter bus company has a prior to contacting the Risk Office.