Just Need a Certificate of Insurance?

Individuals requiring proof of coverage (Certificate of Insurance or Evidence of Insurance) should contact risk-services@harvard.edu and provide the following information: 

• Reason for request
• Specific Location
• Name of Certificate Holder
• Please attach any relevant contracts or documents that outline the requirements for the certificate/evidence of insurance

Property Insurance Overview

The Risk Strategy and Insurance department administers a Master Property Insurance Program (MPIP) providing insurance for financial loss resulting from physical damage to university owned and leased buildings. The coverage extends to contents including equipment as well as business interruption including reimbursement of qualifying expenses incurred to maintain or expedite recovery of normal operations following a covered loss  

Program Structure

The Master Property Insurance Program is a suite of coverage including traditional property policies, fine arts, locally placed international policies and inland marine policies curated to cover the needs of a complex institution. The program renews each July.

Specific questions as to coverage can be addressed to Senior Program Manager, Alexander Wittich or our general inbox at risk-services@harvard.edu.

The Program does not provide insurance for:

• Property of Harvard faculty, students, staff, and visitors, including the property of contractors and vendors;
• Land, water, currency, money, precious metals, and motor vehicles. These items may be more specifically insured elsewhere. Please contact risk-services@harvard.edu for more information on coverage for these types of items

Program Premiums/Cost

The Master Property Insurance Program premiums are allocated (based on the replacement values listed in the CAPS Building Data Report) and billed annually in quarterly installments to each Harvard TUB and affiliated entity with property insured under the Program. Details regarding the cost allocation methodology and the amount charged to each TUB and affiliated entity are included in the Budget Letter published by the Office of Financial Strategy and Planning.

Additionally, each TUB and affiliated entity is responsible for payment of the first $25,000 program deductible, which applies to each and every property damage claim. For locations or property not covered under the Master Property Program (or under any of the alternative programs) the relevant TUB or department is entirely responsible for the financial impacts of any loss event.

In the Event of a Loss

In the event of a loss, first and foremost, take measures to ensure safety. Evacuate the area if there is a physical threat to individuals in the area or risk of further damage that may impact safety. If needed, contact relevant first response (police, fire) to secure the location. If fire or police services are not required move to the steps below.

1. Mitigate the loss by preventing further damage. Facilities Operations 617-495-5560 can assist with contacts for services related to temporary repairs and water remediation. 
2. Take photographs of the damage as it was found. Preserve the remaining property to prevent further damage and for future inspection by the insurance company adjusters. Protect and retain any damaged property as this will need to be made available for inspection by the insurance company. Notify Risk Strategy & Insurance within 48 hours your discovery of the damage or loss of the property. Notice of Loss using the Report of Property Loss Form i can be submitted through the Online Risk Management Self Service Portal or you can email details to risk-services@harvard.edu.

For each notice of loss that is submitted, all relevant and available information which identifies the building damage or damaged item(s) must be provided.