The SMART IRB Agreement sets a basic expectation that Participating Institutions (with the exception of public institutions and governmental agencies) will have insurance coverage for their various activities (including, as applicable, the conduct and review of research), but it does not dictate the types of policies or minimum coverage levels that may accomplish this coverage.
The Agreement recognizes that institutions may insure against research-related risk differently, depending on their organizational structure, the size and nature of their research program, and their relationships with their personnel and other individuals who are involved. In addition, some institutions have self-insurance programs or limited coverage based on status as public or quasi-public entities, state law immunities, and other factors. The Agreement provides that Participating Institutions may obtain documentation of any other Participating Institutions' insurance coverage prior to determining whether to participate in a ceded review with those institutions. Participating Institutions can also mutually agree to waive the basic requirement to maintain insurance coverage on a study-specific basis if they determine that is appropriate.
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