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.

students walking on college campus

The Council of Insurance Agents & Brokers (CIAB) reported increased premiums for the 25th consecutive quarter in the fourth quarter of 2023. 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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2025 Policy Changes for effective dates Jan. 1, 2025, to April 30, 2025

2025 Policy Changes for effective dates beginning May 1, 2025

Liability Market Insights: Factors Increasing the Cost of Insurance

Additional Resources

Explore these materials to gain a better understanding of the current liability landscape.

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Large Loss Report

This annual report summarizes publicly reported major damage awards and settlements that affected K-12 schools, colleges, and universities in the previous year.

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Compare your school's top risks to other UE members with the results from our annual survey.

UE on Appeal

Explore the latest issue of UE on Appeal which highlights recent and significant appeals UE undertakes on behalf of members.

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