Thanks to everyone who responded to my test message.
Now I will pester you all with some questions.

Our university is examining its policy on insuring capital items
purchased with funds for sponsored programs.  Taking title issues
into consideration, we examine each new project for insurance needs
as it is being developed for sponsor condideration.  However, we
are curious to know how other institutions respond to the following
questions:

a)      Who, or what entity, pays for additional insurance when standard
 university insurance does not cover a particular project proposed
 for funding?
b)      When a project suffers a loss that exceeds the policy deductible
 who, or what entity, pays?
c)      In the absence of sponsor guidelines regarding this subject, what
 policies guide the university in the case of sponsor owned equipment
 used for contracts with non-federal and private entities?
d)      Do you maintain an emergency capital fund for unexpected losses that
 are not covered (i.e. are part of the deductible)? Is this fund
 central to your university or based by college/department,
 academic unit?

Any information, comments or suggestions would be extremely helpful.
Please feel free to answer to RESADM-L or directly to me at:
Kathleen Hughes
PAS - Office of Sponsored Programs
University of San Diego
xxxxxx@teetot.acusd.edu