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Education’s Own Insurance Company™

With a large and diverse membership ranging from large university systems to small, independent K-12 schools, United Educators (UE) is committed to providing the coverage and tools needed to confidently operate your campus while managing education-specific risks.
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Education Insurance Market Insights

Learn more about the current liability landscape with UE's resources covering the rising costs of claims, social inflation, and more.

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[New] Top Risks Reports

See the most pressing risks identified by UE members in our latest Top Risk Survey. These reports highlight key risk trends over recent years and help you compare your institution with similar UE members.

Top Risks Report: Insights for K-12 Schools Top Risks Report: Insights for Higher Education
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Large Loss Report 2025

This year's report summarizes 54 publicly reported major damage awards and settlements of at least $2.5 million that affected K-12 schools, colleges and universities in 2024.

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Latest Risk Management Resources

pdf type Top Risks Report: Insights for K-12 Schools

Compare your school's top risks to other UE members with the results from our annual survey.
pdf type Top Risks Report: Insights for Higher Education

Compare your institution's top risks to other UE members with the results from our annual survey.
web page Checklist: Campus Slips and Falls

Use this checklist of good practices to help reduce the risk of slips, trips, and falls at your institution.
web page Keep Student-Athletes Safe at Your School

Learn about common athletic injuries and actions that can help protect athletes.
pdf type Checklist: Employee Layoffs Driven by Financial Pressure

This checklist covers important considerations for schools, colleges, or universities that need to lay off employees for financial reasons.
Video Behavioral Threat Assessment and Management: Supporting Event Safety Planning

This program walks through real-world scenarios and shares tools for assessing and mitigating potential risks in connection with high-profile or controversial campus events.
web page Establish Enforceable Electronic Waivers

This article offers guidance on how to establish legally enforceable electronic waivers.
pdf type Checklist: Swimming Pool Safety

This checklist provides an overview of pool safety considerations, especially in supervision and operation.
web page Federal Requirements for Missing Student Notification

Comply with federal regulations mandating a missing student notification policy.
web page Considering Staffing Reductions? Know Your WARN Act Obligations

Institutions of higher education considering a workforce reduction may be subject to federal and state WARN laws.
web page Are You Prepared for “Smart” Glasses?

Take steps to help reduce risk as smart glasses technology enters school and the workforce.
web page OCR Guidance on Accommodating Students With Disabilities in Athletics

Examine highlights of the “Dear Colleague” letter issued by the Department of Education’s Office for Civil Rights.

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