This document is intended to be used as a general guideline and does not commit 
coverage for any loss. It has been produced for State agencies and their employees for 
information related to ARS 41-621(e). 

All state owned property claims or all state potential liability claims must be considered per ARS 
41-621E. It reads in part: 

“…If the Department of Administration provides state self-insurance, such 

coverage shall be excess over any other valid and collectible insurance…” 

The following situations have been provided to outline potential primary and excess coverage 
for state property. These examples are generic in fact and do not include consideration for other 
contracts, agreements, statues, rules, regulations, policy & procedures or comparative 
negligence. Therefore, they cannot be used in determining coverage. 

1. 
State owned property in an employee’s residence (may include additional structure) 
with or without signs of forced entry. 
A. 
Primary – Home Owner Policy 
B. 
Excess – Risk Management 
2. 
State owned property, in a state owned vehicle, on employee’s residence with signs 
of forced entry. 
A. 
Primary – Risk Management 
B. 
Without signs of forced entry – on a case by case basis. 
3. 
State owned property in a state vehicle at a location other than employee’s 
residence with signs of forced entry. 
A. 
Primary – Risk Management 
B. 
Without signs of forced entry – on a case by case basis. 
4. State owned property in an employee’s personal vehicle with forced entry. 
A. 
Primary – Risk Management. (Risk Management does not cover employee- 
owned vehicles). 
B. 
Without forced entry – on a case by case basis. 
State employee personal property is not covered; unless it is under the clear responsibility of the 
State because of written leases or other written agreements as per ARS 41-621(a). 

Winword/personal property coverage