Insurance & Risk Management


Insurance Premiums on Federal Awards

Information on allowability


Overview of Insurance & Risk Management at WHOI

Insurance Overview

Property and casualty insurance coverage carried by the Institution

Certificates of Insurance

A certificate of insurance is provided by the Institution's insurance broker for any employee who is required to show proof of the Institution's insurance coverage.

Automobile Insurance

WHOI carries business auto or commercial auto insurance that covers use of cars, trucks, vans and other vehicles in the course of carrying out business.

Worker's Compensation Insurance

All Institution employees, except Masters and crew memebers of the research vessels, are covered by the Massachusetts Workers' Compensation Act for injuries and illnesses arising out of and in the course of their employment.

Marine Liability Insurance

P&I or Protection and Indemnity insurance provides coverage for maritime liability associated with WHOI owned and operated vessels. This includes coverage for crew members who may become injured or ill while in the service of the vessel.

Business Travel Insurance

WHOI's business travel accident and foreign package policies provide services and coverage for employees and other covered individuals traveling on WHOI business.

Cargo and Shipping Insurance

WHOI's cargo shipping insurance is ocean cargo insurance covering global transit and interim warehousing.

Over the Side Insurance

Over-the-side insurance will provide you with an insurance endorsement to WHOI's OTS insurance policy for equipment used in the field during at sea expeditions.

Equipment Loans

When borrowing or lending equipment there has to be an agreement in place between the parties as to the terms and conditions of the loan

Personal Use of WHOI Tools, Equipment and Shops

Borrowing of WHOI tools or equipment or to use a WHOI shop for employee personal projects requires compliance with procedure to ensure WHOI property is accounted for and liability is understood