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department avatarProperty & Liability Claims

Employee Property Loss

Pursuant to the negotiated contracts with both CCEA and ESEA:

Employees are discouraged from bringing or retaining personal property on School District premises. The School District’s obligation to indemnify an employee’s loss is limited to perils (fire, lightning, explosion, windstorm, hail, smoke, vandalism, theft, and water damage) covered under the district’s excess insurance policies, subject to the conditions set forth therein, site aggregated, applicable personal property insurance, and the following:

Personal property for which a loss is claimed must be used for essential tasks to support the employee’s direct scope of work and must be listed on the CCF-122 Declaration Form. The personal property (personal effects) of an employee necessarily worn or carried (e.g., eyeglasses, hearing aids, jewelry, dentures, clothing) onto School District premises is to be exclusively covered by the employee’s personal insurance as a non-business item, and should not be included on the declaration.

An employee must receive supervisor authorization and maintain a declaration form itemizing personal items and corresponding business use in order to activate indemnification up to $1,000 (replacement cost) per employee occurrence.

Employees must provide personal property declarations to their supervisors at least semi-annually; or more frequently if so stipulated by site administrators.

Non-declared items of personal property will be considered as non-business in their use and the School District’s loss indemnification will be limited to the employee’s personal insurance deductible up to $250.00.

For any occasioned loss, employees must submit a sworn statement to the School District within sixty (60) calendar days of the loss date in order to receive indemnification. Claim procedures are outlined on the CCF-122 Declaration Form.

The maximum School District indemnification amount, whether the claim is for a declared or non-declared item of personal property, for any one employee occurrence will be $1,250.00, including both the $1,000 limitation and $250 limitation listed above.

Losses attributed to wear and tear, gradual deterioration, latent defect, misuse, mishandling, abuse, or mysterious/unexplained disappearance will not be considered, regardless of personal insurance applicability.

For purposes of the articles, personal automobiles will not be considered as personal property.

CLAIM PROCEDURES IN THE EVENT OF A LOSS

If there is a loss of personal property, the following must be done:

  1. Notify Site Administrator and Police. Preserve damaged property as evidence and try to obtain photographs of item(s) location.
  2. Give Risk Management Department immediate notice of the loss or damage. Include a description of the property involved by completing a Property Loss Report with CCSD Police.
  3. Risk Management will open a claim and send out claim form, sworn statement, and property itemization list to be completed. The sworn statement of the loss must be completed and returned to Risk Management within sixty (60) calendar days from the date of loss.
  4. CCSD is a secondary coverage after any personal insurance coverage the employee may have. Once the claim is complete with the other insurance carrier, send a written description of the facts of loss. Include a copy of the declaration form, settlement explanation from your carrier and any CCSD loss reports, police reports, or witness statements.

Claims are subject to review by the Clark County School District, its excess insurance carrier, and their respective legal counsels.