General Liability Insurance

General Liability Insurance protects employees of the State of Georgia, the Georgia Institute of Technology, and the University System of Georgia against personal liability for damages arising from the performance of their official job duties.

Coverage limits

• $1,000,000 per person
• $3,000,000 per occurrence
• $50,000,000 excess liability coverage

Legal representation is provided by the Attorney General of the State of Georgia. In most cases, suits must be filed in Federal Court.

Related resource

• General Liability Agreement

State Tort Claims Liability

State Tort Claims Liability protects the State of Georgia, the Board of Regents of the University System of Georgia, and Georgia Tech against liability for torts committed by employees acting within the scope of their official duties.

Coverage limits

• $1,000,000 per person
• $3,000,000 per occurrence

Related resource

• State Tort Claims Policy

Fidelity Bond

The Fidelity Bond protects the State of Georgia from losses caused by dishonest acts of state employees involving money, securities, or property.

If employee dishonesty results in the loss of Institute property:

• Report the incident immediately to the Georgia Tech Police Department.
• Notify Insurance & Claims Management by email within 24 hours.

The State Self-Insurance Program determines whether a claim is covered.

Reporting a Liability Claim

If an incident involves injury to a non-employee, property damage to others, or potential legal exposure:

• Complete the General Liability Incident Report Form.
• Provide supporting documentation (photos, witness statements, police reports, if applicable).
• Submit the completed form and supporting documents to the Insurance and Claims team at gtinsurance.ask@business.gatech.edu.
• Email the completed form and supporting documentation to Insurance & Claims Management within 24 hours.
• Submit estimates for property damage and/or medical bills as they become available.

Please note: The State Self-Insurance Program determines whether a claim is covered.

Reporting an Auto Claim

Report all automobile accidents involving state-owned, leased, rented, or personal vehicles being used for Institute business immediately.

1. Ensure everyone is safe and contact emergency services if needed.
2. Report the accident by calling 1-877-656-7475.
3. Report accidents:
   • On campus → Georgia Tech Police
   • Off campus → Local law enforcement
4. Notify your supervisor.
5. Submit the required documentation (incident report, police report, photos, etc.) to Insurance & Claims Management.

The State Self-Insurance Program determines whether a claim is covered.

Reporting Property Damage or Loss

Departments should:

• Report theft or property damage immediately to the Georgia Tech Police Department.
• Notify Insurance & Claims Management by email within 24 hours.
• Obtain estimates for damaged property and submit them to Insurance & Claims Management.
• Replace or repair damaged property after the claim has been processed.

The State Self-Insurance Program determines whether a claim is covered.
Any insurance recovery will be credited back to the department through a journal entry.

Workers' Compensation provides statutory benefits to employees who are injured while performing their job duties. Benefits may include:

• Medical treatment
• Rehabilitation services
• Wage replacement for eligible lost time from work

Reporting a Work-Related Injury
 

Workers' Compensation provides statutory benefits for employees injured while performing their job duties, including medical benefits, rehabilitation services, and wage replacement.

If an employee is injured:

• Report the injury to your supervisor immediately.
• Supervisors must report injuries requiring medical treatment or lost work time by calling 1-877-656-7475.
• Use Georgia Tech location code 7202.
• Claims should be reported within 24 hours.
• Only supervisors should report Workers' Compensation claims.
• Injuries that do not require medical treatment or lost work time (such as minor cuts, scrapes, or burns) should be documented using an Incident Notice Only form and retained with the employee's personnel records.

The State Self-Insurance Program determines whether a claim is covered.