Risk Finance

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General Liability Policies

Tort Immunity

The State of Texas Legislature provides sovereign immunity for state organizations, including the University of Texas System (the UT System). As such, the UT System General Counsel has prepared the summary statement below to exempt the UT System from general liability insurance requirements.

Summary Statement of Insurance Risks for The University of Texas System

It is the stated policy of the State of Texas not to acquire commercial general liability insurance for torts committed by employees of the state who are acting within the scope of their employment. Rather, Chapter 101 of the Civil Practice and Remedies Code states "that a governmental unit in the state is liable for property damage, personal injury and death proximately caused by the wrongful act or omission or negligence of an employee acting within his scope of employment...." Liability of the state government under this chapter is limited to money damages in a maximum amount of $250,000 for each person and $500,000 for each single occurrence for bodily injury or death and $100,000 for each single occurrence for injury to or destruction of property.


The primary reasons why on rare occasions, the UT System purchases General Liability coverage include:

  1. Exposure is outside of the State of Texas
  2. Coverage is required by contract and the above immunity language will not be accepted

The Seal of the University of Texas System

  • © 2009 The University of Texas System
  • Office of Risk Management 220 W. 7th Street, Austin, TX 78701 Phone:512.499.4655 Fax:512.499.4524