The Northern Michigan University Risk and Insurance Management Department is charged with overseeing several university policies and procedures that relate to liability and insurance.  Below you will find a brief summary of these policies and procedures.  To the left you will find links to the full text of each.

Please contact the NMU Risk and Insurance Management Department at 906-227-2745 if you have questions related to these policies or procedures.

Certificates of Insurance
This procedure provides guidance for when Northern Michigan University is required to provide evidence of insurance coverage to an outside entity or company. This may happen when the university rents facilities or vehicles, places students in internship or practicum courses off campus or engages in contractual relationships for a variety of other reasons.

Claim Procedure
This procedure is attached to the Insurance Coverage Policy and provides guidance and information pertaining to NMU’s property and liability insurance claims and incident reporting procedures.

Fixed Asset Policy
This policy provides guidance regarding the stewardship, transfer and disposal of NMU-owned equipment.

Incident/Accident Reporting
This policy/procedure establishes a uniform procedure and format for reporting work related accidents, injuries and illnesses, and other injuries or accidents occurring on property owned or under the control of Northern Michigan University. The reports are administered by NMU's Police Department and Risk Management receives a copy of each report filed.

Indemnification Policy
This policy provides guidance for the defense and indemnification of NMU Board of Trustees members, administration, faculty, staff and students against claims brought against them as a result of their good faith performance of duties on behalf of, or at the direction of, Northern Michigan University.

Insurance Coverage Policy
This procedure provides guidance and information pertaining to NMU’s property and liability insurance programs.

Loss Control
Loss control is a risk management technique used to reduce the possibility that a loss will occur and / or reduce the severity of those that do occur. The Risk Manager uses several techniques to control losses. Some of these include contracting with external reviewers to help assess and identify risk; coordinating with other universities to review actual recent losses; and participating in university fund allocation for purchases and projects that are designed to limit risk. If you have an idea to reduce risk or a concern about a possible risk on campus, contact the Risk Manager - Andy Zerbel at 2745. 

Risk Management Policy
This policy provides guidelines for the establishment and maintenance of Northern Michigan University’s risk and insurance management program.