Aerial view of MWSU campus

Risk management is a proactive approach to protecting students, staff, faculty, and the general public from harm. This function includes providing advice, assistance, and direction in the Colleges’ obligation to furnish facilities and an environment that will provide reasonable protection of employees, students and the public and assist the College in safeguarding its resources. Individual operating departments maintain basic responsibilities for preserving assets in their control. This includes but is not limited to the following resources: people, property, income and minimizing potential loss within their area of control.

All insurance purchases, with the exception of employee benefit insurance, should be made through the Risk Manager.

Employees, as representatives of the College, should not make statements which could be construed as accepting liability for incidents including but not limited to automobile, personal injuries, and/or property damage. Any claims against Missouri Western State University, its officials, or employees should be reported to the Risk Manager.

For more information, please contact us at (816) 271-4232.

Need more information?

Craig Darrough

Mark White
Director of Risk Management, Environmental and Institutional Safety
(816) 271-4232


A certificate of insurance demonstrates evidence of an insurance policy. This document provides no coverage to the certificate holder and rarely guarantees that the certificate holder will be notified if there is a policy cancellation. It may be issued by an insurer, insurance agent or broker. A certificate of insurance should include the following:

  • Name of the insurance company and policy number
  • Policy period
  • Name of the insured and address
  • Description of coverage
  • Policy limits
  • Description and locations of operation
  • Name and address of certificate holder
  • Notice of cancellation provision
  • Authorized signature and date

When requesting a certificate of insurance from a vendor or organization we require a minimum of the following:

  • General liability $1 million
  • MWSU listed as additional insured

To obtain proof of MWSU insurance, a written request and a copy of the contract, if applicable, must be sent to the Risk Manager with the following information:

  • To whom the certificate is to be issued
  • Events or services: purpose, location, time period
  • The type of insurance for which proof is needed

Students, staff and faculty may purchase international travel insurance for class trips. The insurance available includes: Health/Accident Insurance, Accidental Death & Dismemberment, Travel Emergency, Luggage Insurance and Third-party Liability. Contact (816) 271-4588 for more details.


College Vehicles
State vehicles are to be used for official business only, not for personal use. (Section 301.260 RSMo) All laws are to be followed including the wearing of seat belts.

College vehicles are to be operated only by MWSU employees as defined by the Attorney General’s office. The individual must receive a pay check from MWSU and hold the appropriate valid drivers license. Unless otherwise provided by law, non-MWSU individuals such as volunteers, spouses and children should not operate state vehicles nor should they be passengers in a MWSU vehicle unless they are on official MWSU business.

Liability to other persons (bodily injury and property damage) due to employee negligence in the operation of a MWSU vehicle will be covered by the State provided that the employee was operating the vehicle on official business within the scope of their employment.

Personal Cars
Some conditions of state employment may necessitate the use of personal vehicles for official business.

Like most employers, MWSU pays mileage when a personal vehicle is used for official business and authorization is approved prior to the travel.

The established mileage reimbursement rate takes into consideration all costs of owning and operating a vehicle including depreciation. The reimbursement rate represents full compensation for the costs of operating your vehicle and therefore you maintain total responsibility to adequately insure, safely operate, properly maintain and protect your own vehicle. Physical damage or loss to your private vehicle and/or personal property contents is not covered by the state. Coverage should be obtained through personal auto insurance.

Your private insurance is considered the primary carrier when using your auto for business trips. You are protected beyond that by the State Legal Expense Fund, up to a maximum provided by law, once all other policies have been exhausted.

Most private auto policies exclude business activities. However, exclusions may vary depending on the extent of business usage. Not all policies are the same and levels of coverage differ. Refer to your policy or contact your agent for coverage specifics.

On Campus
Regardless of severity of accident:

  • Notify Campus Security
  • Notify the Risk Manager or the Office of the Vice President for Financial Planning and Administration
  • Notify your supervisor
  • Contact emergency personnel if needed. If it’s possible, call your supervisor as soon as accident occurs and/or call 271-4226, Risk Manager.

Off Campus Accidents
Regardless of the severity of accident:

  • Notify Police
  • Notify the Risk Manager or the Office of the Vice President for Financial Planning and Administration
  • Notify your supervisor

Contact emergency personnel if needed. If it’s possible, call your supervisor as soon as accident occurs and/or call 271-4226, Risk Manager.

Contact the nearest law enforcement official. Do not make any statement concerning assumption of liability. Give only the information required by the law enforcement authorities. Do not sign any statements except those required by law enforcement or risk management officials.

Obtain the following information of other drivers and any other persons involved:

  • Name, address and telephone numbers
  • Vehicle registration information
  • Drivers license number
  • Insurance company name

Report the accident to risk management at MWSU. Complete in full an Automobile Loss Notice Form and return it to Popplewell Hall 226. This form can be obtained from the downloadable forms section of this website, (816) 271-4226.

Request a copy of the police report and forward to Popplewell Hall 226.

It is better if the police are notified in the event of any accident. Example: You back into someone and there is no obvious damage. A police report is not filed. Later that night they wreck their car and accuse you of causing the damage.


Every Missouri state employee is protected by Workers’ Compensation while on the job, including part-time, temporary, student, and volunteer employees. Coverage begins as soon as you begin your employment. It is the employee’s responsibility to report the injury and complete the Injury Report Form. Benefits may be denied if reporting is delayed or inaccurate. The supervisor is required to sign the report form to ensure the he/she is aware of the incident, and take appropriate corrective measures if a safety hazard exists.

If treatment is needed, the employee, supervisor or Risk Manager must call 800-624-2354 for authorization of medical care unless the injury is life threatening. If it is an emergency situation, the injured employee should proceed immediately to the nearest hospital emergency room. If an ambulance is needed, dial 9-911, then call MWSU Security Office at 271-4438.

All college property, and property under the care, custody, and control of MWSU is covered, including leased property. There is a $25,000 per incident deductible, which must be paid by the responsible department. Whenever property is on loan to MWSU, information concerning its description and value must be sent to risk management. In a similar manner, when the personal property of a faculty or staff member is required for college use, information concerning its identification and value must also be reported. Any loss or damage must be documented and must have been the result of an identifiable, unexpected event (not simply neglect or being misplaced). In the case of stolen property, Security must be notified (ext. 4438). Claims for reimbursement should be sent to risk management. Information needed when filing a claim: item description (make/model), inventory number, approximate value, description of incident. Personal property, such as books, photographs, brief cases, and the like are not covered by the college plan.