Insurance Programs

SMU maintains a comprehensive program of insurance to address a variety of exposures; more information on some of these lines of insurance is included below. The Office of Risk Management is responsible for evaluating loss exposures and negotiating appropriate insurance coverage to protect the University’s financial assets.

Information on a select number of SMU's policies is included below.

Auto Insurance

SMU insures University-Controlled Vehicles, which includes SMU-owned and leased vehicles, as well as courtesy vehicles and those rented on university business.


Property insurance offers coverage for all University real property. Prompt reporting as soon as applicable is required.

Workers' Compensation

SMU's Workers' Compensation is designed to provide insurance coverage to employees who sustain an injury or illness while in the course and scope of their employment.

General Liability

General Liability Insurance protects the University from claims brought by third parties in the areas of: Bodily Injury, Premises Liability, Personal and Advertising Injury, Products Completed and Other Coverage

International Travel Accident-Only Policies

SMU provides supplemental, accident-only policies to its students, faculty, and staff who travel outside of the United States on an SMU-sponsored trip.

Cyber Liability

Cyber liability insurance helps respond in the event of a cyberattack or data breach.