"If your mission is education and you care about risk management,
you belong with United Educators."

-- Janice M. Abraham, President & CEO

Members of United Educators own United Educators.

At United Educators, our members are our insureds. As Education’s Own Insurance Company, we are committed to meeting the specialized liability needs of education, through fair and appropriate pricing. We dedicate ourselves to handling claims fairly, quickly, and proactively. More than that, we work with administrators to avoid claims, by managing risk and reducing loss. Our mission is to serve our members in all these areas over the long term.

UE insures:

• Public and private two- and four-year colleges and universities.
• Independent elementary and secondary schools.
• Educational associations and foundations.
• Public school districts and pools
• Museums and cultural institutions
• Research libraries

United Educators is a Reciprocal Risk Retention Group

Recognizing a crisis in the liability insurance market in 1986, Congress passed the Liability Risk Retention Act (LRRA), allowing similar institutions or businesses to form a group to share and retain liability risks, hence the name, Risk Retention Group (RRG). Many RRGs have formed since Congress enacted this legislation, United Educators was one of the first and is one of the largest. RRGs are a form of a captive insurance company, formed to meet a unique risk transfer need of a specific type of organization or business. Flexibility, responsiveness and focus on the members of the group are the hallmarks of a well run RRG.

Unlike traditional commercial insurance companies, which are regulated in each state in which they do business, RRGs are licensed in one state, and by authority of the federal LRRA, they can serve its members in all states. RRGs are expected to be experts in their specific market and to price insurance policies accurately and because of the shared ownership and expertise, they have a strong and vested interest in the long-term success of the RRG. Consequently, RRG policy holders do not have access to state guaranty funds.

United Educators’ form of ownership is a reciprocal. Similar in theory to a mutual, a reciprocal structure allows United Educators to segregate and separately account for each individual member’s capital investment in United Educators. As a reciprocal, United Educators is a for-profit association owned and governed by more than 1,100 independent schools, public school districts and public school pools, colleges, universities, and education associations. United Educators is a non-assessable entity.