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.

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The Council of Insurance Agents & Brokers (CIAB) reported increased premiums for the 20th consecutive quarter in the third quarter of 2022. 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.

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About Your 2022 Policy Updates

Effective dates beginning May 1, 2022

About Your 2023 Policy Updates

Effective dates beginning May 1, 2023

Steps to Combat Social Inflation

Protect your institution against rising claims costs

Videos

Learn More

Watch these videos to learn more about the current liability landscape and UE's Cool Head, Warm Heart® approach to handling claims.

Rising Cost of Claims

The Rising Cost of Claims

UE, like other insurance companies, has been affected by issues of social inflation and other societal factors that are drastically increasing the cost of claims.

The Rising Cost of Claims for Independent and K-12 Schools

UE, like other insurance companies, has been affected by issues of social inflation and other societal factors that are drastically increasing the cost of claims.

The Institutes: Social Inflation — Evidence and Impact on Property-Casualty Insurance

In this white paper, learn about social inflation and explore existing evidence documenting its scope and effects, with the understanding that social inflation is, to a significant degree, a multidimensional manifestation of specific socioe...

Insuring the Future of Education

For more than 35 years, UE has provided educational institutions with liability insurance coverage, education-specific risk management resources, and effective claims resolution.

students headed to class

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