Research Projects Operating Abroad
The UCOP Office of Risk Services has arranged foreign liability
insurance for the University's operations outside the USA.
The primary goals of purchasing this centrally controlled insurance
program are to protect the University and adhere to local insurance
laws, while allowing the University faculty and staff to engage in
research and educational endeavors abroad with minimal insurance
procurement administration and costs.
Before starting any project abroad, there are several items that
should be to taken into consideration:
Foreign General Liability
- Are you signing a lease for office or research space
and being required to provide evidence of insurance
- Are you purchasing any office or research
- Are you entering into any contracts with foreign
government agencies or entities?
If you answer "Yes" to any of the above, UC may be required to
procure a general liability policy in the country where you are
operating, in order to be compliant with local insurance laws and
regulations. UCOP Risk Services has partnered with a global
insurance carrier who has the capabilities to issue a general
liability policy in most countries abroad, thereby facilitating and
minimizing the administration for UC.
- Are you conducting any clinical trials abroad and being
required to provide the insurance coverage for the
If you answer "Yes", UC may be required to procure a Human
Clinical Trial liability policy to adhere to the insurance laws and
regulations of the country where you are conducting the
trial. Each country has its own compulsory liability
insurance requirements for Human Clinical Trials.
Foreign Automobile Liability
- Are you acquiring a long-term leased automobile or
purchasing an automobile?
If you answer "Yes", you will need to either purchase the
compulsory automobile liability insurance from the automobile
leasing company or from a local insurance market. Automobile
liability insurance is compulsory in almost every country and UC
and/or you could face severe penalties and fines if you do not
purchase this insurance coverage.
Foreign Workers' Compensation & Foreign Employer's
- Are you hiring any local nationals to work for you as
If you answer "Yes", UCOP Risk Services and our insurance
broker, Marsh Risk & Insurance Services, will need to evaluate
whether the workers' compensation and employer's liability benefits
in the country where you are hiring the employee are part of a
government social scheme or require the purchase of an insurance
policy. Workers' compensation is compulsory insurance
coverage in most countries, and employer's liability insurance is
required in several countries.
- Are you hiring anyone as an "independent
If you answer "Yes", you will need to use the same methodology
employed in the USA to evaluate the tasks of the "independent
contractor" in establish whether this person would be deemed an
employee. If you are unsure of this methodology, you will
need to contact UCOP Risk Services.
If you have any questions regarding this coverage or need any
assistance regarding insurance issues related to operating abroad,
please contact UCR
Risk Management at (951) 827-5892 or by e-mailing Steven La
Shier at firstname.lastname@example.org, or
you may contact UCOP Risk Services directly by calling:
510-987-9832 or emailing Shaudreya Waterman at email@example.com.