Disclaimer: The following information does not list all coverage, limits, or exclusions. For full coverage, limits, and exclusions please contact the Office of Risk Management.


The State Crime program covers the University’s loss of money, securities, or checks by actual destruction, disappearance, forgery, or wrongful abstraction (robbery or theft), either on-premises or in transit. There is a $125,000 deductible per occurrence, which is the responsibility of the department incurring the loss. The limit of crime coverage provided by the State Plan is $3,000,000 per loss. Please contact the Office of Risk Management for specifics on coverage, limits, and exclusions.


The Board of Claims authorized State Risk Management to purchase a cyber liability insurance policy to cover all agencies including the University of Tennessee higher education system effective July 1, 2013. The cyber insurance policy covers items such as privacy breach response costs including customer notification and credit monitoring with a $10 million aggregate limit, security and privacy with a $10 million aggregate limit, and network asset protection that has a $10 million aggregate limit. The insurance deductible for the Cyber Policy is $500,000 per occurrence.