Market Insights: Liability Landscape

Just like in 1987, the year we founded United Educators (UE) as a captive, K-12 schools, colleges, and universities have few places to turn for their specific exposures. UE offers some of the highest limits available for education and its most challenging risks, such as traumatic brain injuries and sexual misconduct, providing options that may not otherwise be available.

Premiums have increased across sectors for 33 consecutive quarters, The Council of Insurance Agents & Brokers (CIAB) reported in the fourth quarter of 2025. Costs connected to claim defense and settlements have continued to rise. As a member-owned captive focusing solely on education, UE works in partnership with our members to help navigate distinct risks and opportunities that surround every school or campus today. We'll keep monitoring the market and education environment and will do what we can to stand by you, as we always have, when things get tough.