POL-U5950.14 RISK MANAGEMENT AND INSURANCE

This policy applies to all University and self-sustaining personnel and property.

Western Washington University recognizes its duty to manage its financial resources in a responsible manner, which includes the implementation and support of a risk management and insurance program. This program will place a high priority on the reduction and management of the University’s loss exposures involving liability and property damage or loss, and their associated costs. This approach supports the primary mission and goals of the University.

Risk Management Abides by Goals and Laws
Risk management supports the mission, goals and policies of the University and complies with federal, state and local laws.
University Policies and Procedures
Univesity Strategic Plan
Business and Financail Affairs Core Purposes and Values
Environmental Health and Safety Mission, Purpose and Values
RCW's
WAC's

Risk Management Conducts Risk Analysis
Risk management identifies, measures, and analyzes the liability and property exposures of the University utilizing established and recognized techniques in the insurance industry.

Risk Management Selects and Administers Risk-Financing Techniques
Risk management selects and administers insurance, self-insurance and/or other recognized risk-financing techniques to handle loss exposures.
Click here for Insurance Information or Special Programs

Risk Management Investigates and Manages Claims
Risk management actively investigates and manages liability and property claims and recommends adjustment and settlement of insured and retained losses.
Click here for Claims/Losses

Risk Management Provides Contractual Risk Analysis
Risk management analyzes all contracts entered into by the University with respect to indemnity, insurance and other risk-related provisions. Risk management reviews and recommends contract indemnity and insurance provisions for contracts created by the University.
Click here for Western’s Contract Administration
Click here for Contracts: Transferring and Financing Risk

Risk Management Manages Insurance Agent or Broker
Risk management selects the University’s insurance agent or broker and manages the agent or broker services and compensation.

Risk Management Recommends Loss Control Procedures
Risk management recommends loss control procedures to University departments to minimize liability and property damage of the University, except when University departments have the expertise, such as Accounting Services, to develop specific loss control procedures for their particular exposures. University departments must be cooperative to achieve this policy. Click here for State Loss Prevention Program Information

Risk Management Develops Risk Charges to University Departments
Risk management recommends risk charges to Vice President of Business & Financial Affairs and allocates to University departments as approved by President’s Council.

Risk Management Informs University Personnel
Risk management offers advisories and training and briefing programs to University personnel focusing on current risk management issues.

Risk Management Depends on Individual Employees
Risk management encourages the employees of Western Washington University to take individual responsibility for the creation of a University environment that protects and enhances the reputation and assets of the University in a responsible and cost-effective manner.

Risk Management Works in Partnership with Others
Risk management works in partnership with other University personnel including, but not limited to, Environmental Health & Safety, University Police/Public Safety and Office of Attorney General, that have overlapping responsibilities for the protection of people and property of the University.
Environmental Health & Safety
University Police/Public Safety
Attorney General of Washington
Contract Administration

Paul Mueller, CPCU
Risk Manager, Environmental Studies 72, MS-9070, 650-3065
paul.mueller@wwu.edu

Gayle Shipley
Director of EHS, Environmental Studies 72, MS-9070, 650-6512
gayle.shipley@wwu.edu

Wendy Bohlke, JD
Senior Counsel
Office of Attorney General, Bellingham WA, 676-2037

Contact Info for all EHS Staff

The University maintains a variety of state and commercial insurance programs that provide property and liability protection.

Note: Programs described below are ONLY available to Western Washington University students.

Field Trip Insurance
Individuals going on Western sponsored and supervised field trips or similar extra-curricular activities as a group/class may purchase Field Trip Insurance for medical expense benefits and accidental death and dismemberment coverage for injuries arising out of the trip. This is not a mandatory requirement for field trips, only an option for students and chaperones to provide a limited form of coverage to those who may or may not have their own personal medical coverage. All members of the group should participate. The policy does not provide coverage for any personal side trips occuring before, during or after the university-related activity. Other exclusions apply as well. The cost is $.75 per day per student. Information and forms are available by clicking here. Or e-mail Paul Mueller @ paul.mueller@wwu.edu

Student Professional Liability Insurance for Internships and Field Work Experience

Healthcare-Related Activities: Western Washington University’s Student Medical Malpractice Insurance Program is ONLY available to WWU students and provides professional liability insurance to WWU students who furnish mental and physical healthcare-related professional services during internship or field experience work as required under a WWU degree curriculum. Students must be enrolled and engaged in an internship or field experience course, or any of the student’s related degree curriculum courses, at the time of internship or field experience work.* Some examples include athletic trainer, mental health counselor, school counselor, dance therapist, drug and alcohol counselor, marriage and family counselors, audiologist, language-speech pathologist, dietitian, physical therapist, social worker, occupational therapist, and services in the physical education, health and recreation fields. Any academic department with these or similar fields should make the Student Medical Malpractice Insurance available to students. The cost for this insurance is a flat fee of $5.00 for 12 months of coverage from the date the fee is paid. It is the student’s responsibility to make sure the premium is paid and coverage is current. Information and forms are available by clicking here. Or e-mail Paul Mueller @ paul.mueller@wwu.edu

Why Obtain Student Medical Malpractice Insurance? (A brief presentation for WWU student interns only)

*Students NOT enrolled or engaged in curriculum courses at the time of internship or field experience work may be able to obtain professional liability insurance from Healthcare Provider Service Organization (HPSO). HPSO has no enrollment requirement, but expects the internship or field experience work is required part of a University degree curriculum and that the student will receive academic credit for it. The annual cost is around $30, depending on the type of healthcare profession, and students can view details and enroll online by clicking here. This is not a state program.

Student Teaching Activities: Student membership in the Washington Education Association (WEA) includes a member benefit of professional liability insurance when you student teach as part of your preparation to become a school teacher. A complete description of the coverage is available on the WEA website. Other associations that offer professional liability insurance plans as part of membership include the Council for Exceptional Children (CEC) and National Association for Education of Young Children (NAEYC). These are not state programs.

Other Professional Activities: Some professional associations offer liability insurance resources to student members. For example, the National Society of Accountants (NSA) offers discounted professional liability insurance protection as a service. Another resource is through a commercial insurance broker. For example, Marsh offers professional liability insurance to students through Marsh ProLiability. These are not state programs.

Student Accident Insurance: On-Campus Lab & Hazardous Materials Handling
This is a voluntary accident insurance program for on-campus lab activity. The program includes medical expense, dental and accidental death and dismemberment benefits to students, subject to the terms of the policy. The policy limit is $10,000. The cost is $1 per year. Enrollment forms are available by clicking here. Note: Departments who are conducting lab work in the field should continue to purchase Field Trip Insurance (above) for accident insurance coverage, not this coverage.

Student Personal Property Insurance Program
Western assumes no responsibility for loss or damage to any university resident’s personal property from any cause. Western strongly recommends to the university resident to obtain insurance coverage by either purchasing a renter’s insurance policy, verifying that coverage is available under a parent or guardian’s homeowner’s insurance policy or the resident may purchase coverage under Western’s Student Personal Property Insurance Program. Failure to verify or obtain personal property insurance may result in unrecoverable financial loss. Brochures and application forms are available online by clicking here. Or contact Paul Mueller at paul.mueller@wwu.edu or Karen Walker at karen.walker@wwu.edu

Student Health Insurance Plan
For those students without medical insurance, Western offers a student health insurance plan through ACE American Insurance Company. For more information, click on the Student Health Services link to Health Insurance and Billing.

Visiting Scholars and Research Associates
For visiting scholars and research associates who are not on Western’s payroll and without medical insurance, health insurance coverage is available from a number of commercial health insurance plans. For consultation, please e-mail Paul Mueller at paul.mueller@wwu.edu.

International Health Plans
Western Washington University strongly recommends that students and scholars who are outside their home country and studying at WWU purchase and maintain an adequate health insurance plan (except "J" visa holders are required to do so). In addition, Western also strongly recommends that students and scholars who are traveling and studying abroad purchase and maintain an adequate health insurance plan as well.

Incoming students and scholars: There are a number of insurers that provide essential coverage for international students and scholars who are outside their home country and studying at Western. Western requires evidence of health insurance (photocopy of insurance confirmation letter or I.D. card). Click here for details.

"J" visa requirements: US federal regulations requires that each visitor holding a "J" visa must have insurance in effect which covers the visitor for sickness or accident during the visitor’s stay in the US. In order to comply with the regulations, the insurance must meet or exceed certain requirements. Click here for details.

Outgoing students and faculty: For Western students and faculty traveling abroad and engaged in educational activities, a number of health plans are available. For most student programs, Western requires evidence of health insurance (photocopy of insurance confirmation letter or I.D. card). The University policy Traveling Outside the U.S. (POL U5950.17) applies to travel abroad for students, faculty and staff.

• Click here for travel abroad information (students)
  
• Click here for travel abroad information (WWU faculty and staff)

Varsity Athletes - Athletic Department Medical/Health Insurance Information
For information on the Athletic Department’s medical/health insurance program for varsity athletes and what to do when an injury occurs, click here. This does not apply to Intramural Sports or Sport Club Programs.

TULIP - Tenant User Liability Insurance Program (including camps)
This insurance program was arranged by the University Risk Management and Insurance Association (URMIA) for higher education institutions like Western. It is used by Western when an outside organization or camp operator is planning to rent or use Western facilities (indoor or outdoor) for a specific event or activity, including camps or sports activities, but the outside organization or camp operator does not have general liability insurance coverage to protect itself or the University from liability claims or lawsuits that may arise out of such use.

• Click here for TULIP information (Outside Organization)
  
• Click here for CAMPS information (Camp Operator)

Notary Bonds for State Employees
RCW 42.44 requires all individuals applying for a notary certificate in the State of Washington to file a $10,000 notary public bond with the Department of Licensing (DOL) prior to their appointment as a notary public. RCW 43.19.1935 places the responsibility and authority for the purchase of commercial insurance and bonds for all state agencies with the Risk Management Division (ORM). As ORM has the authority to authorize state agencies to make direct purchases, it has established procedures which allow state employees to purchase notary bonds directly from the state Broker of Record. E-mail Paul Mueller at paul.mueller@wwu.edu for more information or click here for purchasing instructions.

Special Insurance Requests
Please contact Paul Mueller at (360) 650-3065 or Paul.Mueller@wwu.edu. Please be advised that state law (RCW 43.41.310) limits what Western can do outside the state insurance programs with respect to independently purchased commercial insurance programs.

Tort Liability Claims
Accidents or incidents that may give rise to claims or lawsuits against the University, including employees, agents or volunteers (per RCW 51.12), must be reported as soon as possible to Paul Mueller at (360) 650-3065 or paul.mueller@wwu.edu.

Click here for Tort Claim Instructions

Click here for Tort Claim Form SF 210 - For General Liability Claims

Click here for Tort Claim Form SF 138 - For Auto Liability Claims

Vehicle Accidents/Incidents
Any accident or incident that only involves damage to a state vehicle, regardless of circumstances or amount of damage, must be handled by the driver and his/her supervisor as described herein.

Click here for State Form SF 137- Vehicle Accident Report

Accidental Injury/Illness Reporting Procedure
Washington State law requires that a worker immediately report any on-the-job injury to his or her employer (RCW 51.28.010). Employees must report all injuries to fellow employees, student or visitors, regardless of severity. Go to Worker’s Compensation for instructions on completing a Western Washington University Accidental Injury/Occupational Illness Report.

Reporting Loss of University Funds or Property
University policy POL U5950.19 - Reporting Loss of University Funds or Property - outlines the state and University requirements for individuals who suspect or have knowledge of a loss to University funds or property. A loss results in the unauthorized taking of University (public or non-public) funds or property or other illegal activity. The step-by-step procedures for reporting such losses are outlined in University procedure PRO U5950.19A - Reporting Loss of University Funds or Property.

If you have any questions about reporting a loss, contact Western's Internal Auditor at (360) 650-3435, University Police at (360) 650-3555 or Risk Management at (360) 650-3065.

Loss to Student’s Property
Western assumes no responsibility for loss or damage to any property owned by students. If residents of University Housing have purchased Western’s Student Personal Property Insurance Program, claims can be filed online by clicking here. Also, claim forms may be obtained by contacting Paul Mueller at paul.mueller@wwu.edu or Karen Walker at karen.walker@wwu.edu.

Loss to Employee’s Property
Western assumes no responsibility for loss or damage to any property owned by an employee. Employees who bring their own property to work should ensure that adequate insurance coverage is available under their renter or homeowner’s insurance policy.

State Risk Management Publications

Avoiding the Tenure Trap

Painful Discoveries: The Impact of Employment Litigation

Legal & Risk Management Issues Involving Student Foreign Travel

Top Ten Tips for Avoiding Campus Employment Lawsuits

Learning Outside the Classroom: Managing Experiential Program Risks

Who’s Responsible for Student Clubs?

Large Passenger Van Training (12 Passenger Vans)

Notice: The University discontinued its use of 15 passenger vans on March 31, 2007

Background: Since rollover problems with 15-passenger vans were validated by the National Highway Transportation Administration (NHTSA) in 2001, the use of 15 and 12-passenger vans for passenger transport has been a concern for the University. The University adopted its own large passenger van safety measures in 2001 and the Office of Financial Management (OFM) moved forward with state-wide measures in 2003, which were incorporated into the University's large passenger van safety measures.

The state recently experienced two rollover accidents involving 15-passenger vans operated by Wasington State University (WSU) and Columbia Basin Community College (CBCC). Serious injuries occurred in both accidents, but two fatalities occurred in the CBCC accident. OFM appointed a Loss Prevention Review Team (LPRT) to analyze the accidents. The LPRT issued a report in October 2005 with a recommendation to the state to phase out 15-passenger vans for passenger transportation. In addition, the report included recommendations to universities and community colleges about 12-passenger vans. The report states that prior to these accidents, the state experienced six rollover accidents all involving colleges or universities.

In response to the LPRT report, the University issued a Safety Advisory detailing:

• The University's plan to discontinue use of 15-passenger vans for passenger transport by March 31, 2007; and

• New safety measures that will be added to the University's existing large passenger van safety measures to reduce the risk created by the continued use of 12-passenger vans.

To enroll in online van training: Please call x6582 or x3065. You will need to provide your name, W#, novell username, department and supervisor's name. This is a Blackboard Course and includes a PowerPoint presentation, 10 point quiz, and two state forms that need to be downloaded, printed and signed by the driver and driver's supervisor. The completed forms stay in departmental files. Reference material is available online as well.

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Basic Driver Safety Program

Background: The State of Washington requires all state drivers, including faculty, staff, student and volunteer drivers who may operate a vehicle on behalf of the University, to complete the state Basic Driver Safety Program. In addition, there are special requirements for so-called "Specified Drivers" who drive frequently or have been involved in accidents/incidents while driving on official University business. The links shown below will take you to web-based tools to assist with compliance.

Tools for compliance:

DRIVERS (click here)

SUPERVISORS of Drivers (click here)

SPECIFIED DRIVERS (click here)

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DRIVERS

INSTRUCTIONS: This program must be completed for each new and existing driver (i.e. all faculty, staff, volunteers, and student drivers) who operate state, rental or privately owned vehicles on behalf of Western for official state business. The following action items and corresponding checklist must be completed prior to your initial driving assignment and prior to vehicle operation. The driver is only required to complete this program once in the individual’s driving career at Western, unless the individual becomes a “Specified Driver,” which means the individual drives frequently or has been involved in accidents/incidents while driving on behalf of Western (more on that later).

NOTE: Check with your supervisor or unit head first before completing this on your own. Your department or unit may have other procedures in place to comply with state regulations.

STEP 1 - Download and print Safety Checklist for State Drivers;

STEP 2 – With the printed checklist in hand, complete the corresponding action items listed below under Basic Driver Safety Program;

STEP 3 - Take the completed checklist to your supervisor, or authorized designee, for review and signature. The completed checklist should be kept in the supervisor’s departmental files for the duration of the individual’s driving responsibilities at Western. You are done!


Basic Driver Safety Program - Action Items:

1. Driver’s License: Attach a photocopy of your driver’s license to the checklist OR your supervisor must visually check the driver’s license to determine that it is valid under Washington law. In either case, the supervisor must check that the driver’s license: 1) has not expired; 2) photo matches the driver and name matches Western's records; and 3) birth date indicates the driver is a minimum of 18 years old (minimum 21 years old for 12-passenger vans). The Department of Licensing website provides information on licensing requirements.

You can check online whether a driver has a valid Washington State Drivers License.

2. Experience: Verify that you have driven for at least two (2) years. At least five (5) years for 12-passenger van drivers.

3. Invalid driver’s license procedures: As a driver, you must report to your supervisor by the next business day any time the applicable licensing agency notifies you that your driver’s license has been revoked, suspended or otherwise determined invalid.

4. Access to state policies: You have access to state policies online at SAAM Chapter 12-Transportation. If you do not have daily access to a computer and internet, advise your supervisor accordingly and request other arrangements.

• To help you comply with applicable state regulations, you can review As a DRIVER, how do the policies affect me?
  - Drivers license requirements
  - Vehicle use limitations
  - Required safe driving practices
  - Driver responsibilities - State vehicles
  - Driver responsibilities - Private vehicles
  - Insurance requirements for private vehicles
  
• To promote safety awareness, you should strongly consider viewing the state’s 12-minute video called “Safe Driving Habits: A State of Mind.” The video is viewable online at the State Division of Risk Management website.

5. 12 and 15-Passenger Van requirements: In addition to the Basic Driver Safety Program, van drivers must comply with the Western’s large passenger van safety measures and training. Complete information is available online by clicking here.

6. Specified Drivers: You may meet the criteria for “Specified Driver.” If so, additional state requirements and forms are required, so you must consult with your supervisor. “Specified Drivers” are those individuals who, while driving on behalf of Western:

1. Operate vehicles more than 1,000 miles per month at least 6 months out of the year (need not be consecutive); and/or

2. Within a 24 month period has accumulated two or more at-fault accidents/incidents resulting in damage to state vehicle
and/or property of another party; and/or

3. Within a 24 month period has accumulated one or more at-fault accidents resulting in bodily injury to driver, passenger or another party.

If “Specified Driver” applies to you, talk to your supervisor.

7. Student Driver Agreement: If you are a student and plan to use your own private vehicle on behalf of Western, you must download and sign the Student Driver Agreement. Attach the agreement to the completed Safety Checklist for State Drivers and give to your supervisor.

You are done! Take the completed checklist to your supervisor, or authorized designee, for review and signature. The completed checklist will be kept in the supervisor’s departmental files for the duration of the individual’s driving responsibilities at Western.

Return to beginning of DRIVERS

Return to State Driver Information Center

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SUPERVISORS of Drivers (e.g. faculty, staff, students or volunteer drivers)

INSTRUCTIONS: State policies have numerous safety-related requirements, including the Basic Driver Safety Program for all drivers, and additional requirements for "Specified Drivers" who drive frequently or have been involved in accidents/incidents.

"Supervisors" for this purpose are described are faculty or staff responsible for authorizing drivers and the use of vehicles on behalf of Western for official business. It is understood that individuals with this authority may or may not meet the state's technical definition of "supervisor" per WAC 251-01-395. In addition, this authority may be delegated by the expected supervisor to another individual within a department.


STEP 1 - Become familiar with Supervisor’s Responsibilities;

STEP 2 - Have each driver complete the Basic Driver Safety Program under DRIVERS on their own and instruct them to bring their completed Safety Checklist for State Drivers to you for review and signature; OR

You may choose to assist your drivers with completion of the Basic Driver Safety Program in a classroom setting or one-on-one. Upon completion of the action items, you and your driver should jointly complete and sign the Supervisor Safety Checklist for State Drivers;

STEP 3 – Determine which drivers meet the criteria for Specified Drivers. These are drivers who driver frequently or have been involved in accidents/incidents while driving for the University. When determined, you and your driver have additional requirements as outlined.

NOTE: The completed checklist(s) should be kept in your departmental files for the duration of the driver’s driving responsibilities at Western. The driver is only required to complete this program once in the individual’s driving career at Western, unless the individual becomes a Specified Driver.

Official State Documents for supervisors reference:

State SAAM Chapter 12 – Transportation: http://www.ofm.wa.gov/policy/12.htm
State SAAM Chpater 10 - Travel: http://www.ofm.wa.gov/policy/10.htm

Return to beginning of SUPERVISORS

Return to State Driver Information Center


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SPECIFIED DRIVERS – Who they are and what is required for them

INSTRUCTIONS: Supervisors are responsible for meeting additional requirements for drivers who meet the state criteria for “Specified Drivers.” This responsibility includes monitoring authorized drivers on an ongoing basis and determining who meets the criteria. Specified Drivers are those individuals who, while driving on behalf of Western:

1. Operate vehicles more than 1,000 miles per month at least 6 months out of the year (need not be consecutive); and/or

2. Within a 24 month period has accumulated two or more at-fault accidents/incidents resulting in damage to state vehicle and/or property of another party; and/or

3. Within a 24 month period has accumulated one or more at-fault accidents resulting in bodily injury to driver, passenger or another party.

STEP 1 - Supervisor needs to re-review with the driver and complete as new the Supervisor Safety Checklist for State Drivers;

STEP 2 - Supervisor must complete with the driver the action items in the Supervisor Checklist Addendum for Specified Drivers and then attach this form as an addendum to the first checklist. The completed addendum and updated checklist should be kept in the supervisor’s departmental files.

Supervisor's Action Items:

1. Update the original Supervisor Safety Checklist for State Drivers.

2. Supervisor must review with driver four specific SAAM Chapter 12 policies as follows:
Subsection 12.10 – About Transportation Policies, including Authorized Drivers and Passengers
Subsection 12.20 – Agency Motor Vehicle Management
Subsection 12.30 – State Driver Requirements
Subsection 12.40 – Insurance Coverage and Related Requirements

3. Have specified driver complete defensive driver training: Arrange for the driver to complete Defensive/Safe Driver
Training. The Department of Personnel offers a course in Olympia and may visit the campus if enough drivers are interested. Another option is an online course offered by the National Safety Council. If you have any questions, contact Paul Mueller at x3065 or e-mail @ paul.mueller@wwu.edu

Return to beginning of SPECIFIED DRIVERS

Return to State Driver Information Center

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Drivers Using Rental or Privately Owned Vehicles
Go to Western’s State Driver Information Center for state policies, procedures and forms for supervisors and drivers.

Rental Vehicle Risk Management Issues
Outlined below is a list of available agencies and related insurance information:

Enterprise Rent-A-Car
The current state contract is with Enterprise Rent-A-Car. Enterprise assumes all risk of loss or damage to the rental car and provides primary liability insurance coverage for Western and its employees. No additional insurance coverage is required to be purchased. The local Enterprise agency has a large selection of cars and vans available for rent. Please contact Debbi Baughn, Travel Desk, at 650-3341 or e-mail Deborah.baughn@wwu.edu for more information.

All Other Rental Car Agencies (including Fountain and Budget Rent-A-Car)
This is a vulnerable area because Western’s coverage is limited. The state recommends that renters use the state's corporate VISA card (described below) or, at a minimum, make sure they purchase the damage waiver (CDW or LDW). Otherwise, the renter's department is responsible for physical damage to the rental car. In addition to this, the renter should decide whether to purchase the supplemental liability insurance coverage. Although liability insurance is provide by the state, it is only provided for vehicle use on official state business. Any other use may not be covered. Renters can also check with their own personal auto insurer to verify their own coverage extends to the use of the rental car. Please contact Debbi Baughn, Travel Desk, at 650-3341 or e-mail Deborah.baughn@wwu.edu for more information.

Savings with Western’s Corporate VISA Card
The State offers employees a VISA corporate charge card that may automatically provide coverage for loss or damage to the rental when using the card. Some vehicles and trucks are excluded from this coverage, so please read your credit card agreement for details. If coverage applies, the card allows renters to decline the costly "damage waiver" offered by the rental car agency. However, the remaining insurance coverages must be purchased. The application process for the VISA card is easy and there is no membership fee. Applications are currently available from Debbi Baughn, Travel Desk, at 650-3341 or e-mail Deborah.baughn@wwu.edu.

Using Professional Bus Services
Western has arranged contractual arrangements with local bus companies that permit WWU departments to schedule a trip with the confidence that they are receiving a fair price and will experience a safe journey. Information is available from Purchasing.

Using an Aircraft on Behalf of Western
University policy POL-U5950.15 - Using Non-Owned Aircraft - requires that you contact Risk Management before using an aircraft on behalf of Western. Liability and hull insurance, risk management and other related information regarding the use of aircraft is available from Paul Mueller at 650-3065 or e-mail at paul.mueller@wwu.edu.

State Office of Financial Management maintains the State Administrative and Accounting Manual (SAAM 70.50) that outlines the state’s policies and guidelines for the use of aircraft on behalf of state agencies.

Using Watercraft on Behalf of Western
Please call Risk Management before acquiring or first using watercraft on behalf of Western. Liability and hull insurance coverage is NOT automatic. Insurance and risk management information regarding the use of watercraft on behalf of Western is available from Paul Mueller at 650-3065 or e-mail at paul.mueller@wwu.edu.

University Risk Management and Insurance Association
United Educators Insurance Risk Retention Group, Inc.
Public Risk Management Association
Chartered Property and Casualty Underwriter (CPCU) Society
The Municipal Research & Services Center (MRSC)
The National Association of College and University Attorneys
Washington State Risk Management
Washington State Office of the Attorney General