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The University has the benefit of Professional Indemnity insurance which
provides protection for the University against liability at law for damages in
respect of claims arising out of the Business of the University by reason of
"ANY ACT NEGLECT ERROR OR OMISSION BREACH OF WARRANTY OF AUTHORITY, BREACH OF
TRUST, INFRINGEMENT OF COPYRIGHT OR PATENT RIGHT OR TRADEMARK DESIGN RIGHTS OR
OTHER INTELLECTUAL PROPERTY RIGHTS, BREACH OF CONFIDENTIAL INFORMATION UNDER
SECTIONS 22 AND 23 OF THE DATA PROTECTION ACT 1984, BREACH OF CONFIDENCE"
occurring or committed in good faith by the University. The cover extends to
include other areas of potential claim including LIBEL AND SLANDER (committed in
good faith) DISHONEST OR FRAUDULENT ACT OR OMISSION ON THE PART OF THE
UNIVERSITY and LOSS OF OR DAMAGE TO DOCUMENTS. All subject to the terms and
conditions of the wording.
University employees acting or working on behalf of the University are covered
(although professional work by any medical or dental practitioner is excluded).
Individual members of the academic staff undertaking private work are also
covered as long as (a) the permission of the University of Reading has been
obtained and: (b) fees received for such work are declared to insurers (via the
University insurance office)
The cover re "any act neglect error ..." is very wide and can apply (depending
on individual circumstances) to claims made against the University by Third
Parties including students (but not employees) alleging discrimination,
harassment etc against the University and/or University employees. This could be
as a single allegation or, as more frequently occurs, part of a multiple
allegation involving other issues such as failure to supervise, failure to
provide adequate facilities.
The cover can only respond to claims "Arising out of the Business" and
"Occurring or committed in good faith", i.e. cover does not apply if the
University or its employees are deemed to have acted in bad faith, e.g.
deliberate discrimination, deliberate harassment etc and certainly cannot
apply to acts committed whilst not acting on behalf of the University.
The extent of cover provided is for damages (compensation) which are
deemed to be legally liable from the University plus Claimant's costs and
expenses plus Defence Costs approved by insurers. THE COVER WILL NOT PAY FINES
OR PENALTIES WHICH MAY BE IMPOSED.
Please note that it is VITAL for the Insurance Office to be told as soon
as possible of any circumstances which could lead to a p.i claim.
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