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RCO Event Liability  Registered Student Organization Event Liability
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The University of California has created an insurance program to cover Registered Student Organizations (RSOs) for most on-campus events. Events covered by the policy are paid for by the University. However, RSOs are responsible for making sure their event is covered.

As you plan your event, it's required that you make the appropriate insurance arrangements. Don't put it off; take care of the insurance now!

Previously, student organization events and activities held on-campus were not covered by the University of California’s own insurance programs. This posed a problem for both students and the University because:

  • The students had to rely on personal or family financial resources to defend a claim or lawsuit arising out of their activities.
  • The University had no financial recourse when its property was damaged by student activities or when it received a claim or lawsuit arising from student activities.

To get an online premium quote and apply for coverage, simply click the Apply Now tab above. If you have questions or need more information, click any of the tabs above or contact Marsh at 1-866-838-9536.

****Failure to comply with one, or both, of the following requirements will affect Participant Legal Liability in place for any event even if a Certificate of Insurance is provided.****

You must have Accident Medical coverage in force with a limit no less than $10,000 for each of your participants (players) or a deductible of not less than $10,000 will be instituted. This deductible applies separately to each claim, or suit, with respect to any player participant. The limit of insurance will not be reduced by the amount of this deductible. Please click here for information on the University of California Accident Medical policy.

You must also have a Waiver and Release form system that is regularly maintained or Participants Legal Liability will be subject to a $10,000 deductible. This system must secure and maintain properly executed Waiver and Release forms for all participants. For minor participants (under eighteen years of age) you must always secure and maintain properly executed Minor Waiver and Release forms signed by the parent or legal guardian.

Participants Legal Liability provides coverage for claims you are legally obligated to pay because of actions brought against you, the Named Insured, by players and/or other participant(s). Participant means any player, coach, manager, staff member, team worker, official, media personnel, cheerleader, or band member practicing for, or participating in, the sporting event. This means all of your team members and players and any participating non members! Participant liability insurance, like all liability policies, would provide coverage to the injured party only if the tenant user were liable.

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