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Risk Management
The value of United Educators (UE) membership extends far beyond the insurance policy. At each member institution, administrators, students, and staff have access to our education-specific risk management library.
Student Mental Health on Campus: Claims Involving Suicidal Students
This report focuses on key data points and lessons learned from the suicide-related claims. Use them to help your institution prevent and respond to this risk.
For Members
UE provides the coverage and tools needed to confidently operate your K-12 school, college, or university campus while managing education-specific risks.
General Liability Coverage
UE's broad GL coverage protects against a wide range of potential claims including alcohol abuse, campus crime, and sexual misconduct.
Educators Legal Liability Coverage
UE's ELL policy covers institutions with limits up to $30 million subject to underwriting review.

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Get Risk Management Advice
Request ProResponse
View New Business Applications

Risk Management

The value of United Educators (UE) membership extends far beyond the insurance policy. Member institutions have access to our education-specific risk management resource library, including media, online courses, and publications.

Risk Management Overview

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Athletics
Compliance
Diversity, Inclusion, and Accessibility
Enterprise Risk Management
Health and Well-Being
Premises Safety
Sexual Assault and Misconduct
Student Activities and Organizations
Study Abroad
The Workplace
Transportation Safety

Diversity, Equity, Inclusion, and Belonging Resource Collection
The following UE resources can help guide administrators as they establish DEIB practices on campus.
Educator Sexual Misconduct at K-12 Schools Resource Collection
These resources offer tips for protecting minors at your school from misconduct by educators.
Employee Sexual Misconduct: Higher Ed Resource Collection
These resources can be used to help create a strategy for addressing employee sexual misconduct.
Enterprise Risk Management Resource Collection
ERM is a holistic risk management process that empowers campus leaders to discuss and manage risk at  an institutional level.
Student Activities Resource Collection
The following resources are related to student activities on campus.
Student Mental Health Resource Collection
The following resources can help you address mental health concerns in your community.
Study Away Resource Collection
This collection features United Educators' (UE's) study away resources and includes those specific to K-12 and higher education, as well as general resources.
Title IX and VAWA-Campus SaVE Act Resource Collection
A collection of resources summarizing recommended practices for handling key aspects of student sexual misconduct.
Workplace Harassment Resource Collection
Claims studies, learning programs, training tools, webinars, podcasts, and other resources related to workplace harassment prevention.

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Academic Affairs
Athletics
Compliance
Crisis Management
Diversity, Inclusion, and Accessibility
Health and Well-Being
Sexual Assault and Misconduct
Study Abroad
The Workplace
Transportation Safety

Transportation Safety Course Collection
Help your institution's drivers ─ including golf cart drivers ─ identify and mitigate common risks and learn specific strategies for accident avoidance and handling emergency situations.
Slips, Trips, and Falls Course Collection
These courses offer best practices to help your employees identify potential slip, trip, and fall hazards and strategies to avoid them.
Data Security Course Collection
Help employees deepen their data security knowledge with this award-winning collection of courses focused on practical steps to avoid data breaches and financial harm.
Diversity, Equity, and Inclusion Course Collection for Higher Ed
This course collection seeks to encourage dialogue and understanding between different races, religions, ages, gender identities, and people with disabilities at your institution.

Browse All Courses

Learning Launch
Review the implementation checklist, video tutorials, and additional resources to implement UE's online courses with ease.
Risk Advice
We understand the immediate need for credible information. If you're curious to know what other schools are doing, need a sounding board, or looking for general risk advice or data to support your needs on campus, contact our risk mitigation professionals. Email your question to risk@ue.org.
Risk Management Connect
Participate in a virtual one-on-one conversation with a Risk Management team member about accessing UE resources that address risks that matter most to your institution.
Risk Management Premium Credit Program
The Risk Management Premium Credit (RMPC) program enables members to earn a discount on their renewal premium by conducting risk management activities.

Products

Through our broad liability coverage, education-specific risk management resources, and mission-driven claims handling, we provide schools, colleges, and universities with the protection they need so that they can focus on their educational mission.

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Higher Education

UE understands the unique risk profile of colleges and universities. Our coverage is designed to address your specific exposures and provide appropriate coverage.
Independent School Coverage

UE's independent school coverage provides critical coverage from issues including athletic injuries, lab safety, sexual misconduct, and transportation.
Public School (K-12) Coverage

UE's PSL and SBL policies attempt to address the specific concerns of public school districts and boards of education.

Browse by Offering

General Liability Coverage

UE's broad GL coverage protects against a wide range of potential claims including alcohol abuse, campus crime, and sexual misconduct.
Educators Legal Liability Coverage

UE's ELL policy covers institutions with limits up to $30 million subject to underwriting review.
Internships and Professional Services Coverage

UE offers an easy-to-use policy with broad coverage for most student internships and experiential learning opportunities.

Browse by Institution

Higher Education

Award-winning online training created for higher education. Available to non-UE members through Canopy Programs.
K-12 Schools

Award-winning online training created for public and independent K-12 schools. Available to non-UE members through Canopy Programs.

Browse by Offering

Canopy Programs Overview

Discover award-winning online training and workshops created for education.
Online Training

Award-winning online training created exclusively for K-12 schools, colleges, and universities.
Enterprise Risk Management Workshop

ERM workshop for K-12 schools and higher education led by experienced risk management consultants.

Working With You

United Educators (UE) works with its members and brokers to meet insurance coverage needs, manage risk, and efficiently resolve claims.

Let's Work Together

Working With Brokers

For Brokers

UE distributes insurance and risk management services exclusively through our valued network of brokers and agents. We believe that strong relationships with experienced brokers makes a difference for our members when determining how to best address an institution’s unique coverage needs.
Your Broker Benefits

UE members have strong relationships with their brokers, who often advocate for coverage specific to the individual institution.
Business Applications

UE applications for K-12 schools, colleges, universities, and educational organizations.
Contact Your Territory Manager

Our territory managers work with you to help reach potential members, assist with renewals, and explain UE products and services.

Broker Resources

Broker Frequently Asked Questions

Get to know UE by reviewing these frequently asked questions for insurance brokers.
Marketing Tools

Use these resources to learn more about UE, risk management resources, and claims trends.
Liability Landscape

UE continues to provide the vital insurance that educational institutions need.

Your Member Benefits

For Members

UE provides the coverage and tools needed to confidently operate your K-12 school, college, or university campus while managing education-specific risks.
Claims Handling

When claims occur, you can rely on UE for effective claims resolution.
ProResponse®

UE recognizes the tremendous impact a tragedy or crisis can have on a school or campus. UE provides specialized expertise when you need it the most.
Risk Management Premium Credit Program

The Risk Management Premium Credit (RMPC) program enables members to earn a discount on their renewal premium by conducting risk management activities.
Risk Management Resources

Member institutions have access to our education-specific risk management resource library. From online learning programs to claims studies and webinars, our resources report on timely topics such as sexual assault prevention and response, concussion management, and study abroad.
Member Appeals

Significant appeals undertaken by UE on behalf of our members.

Comprehensive Coverage

General Liability Coverage

UE's broad GL coverage protects against a wide range of potential claims including alcohol abuse, campus crime, and sexual misconduct.
Educators Legal Liability Coverage

UE's ELL policy covers institutions with limits up to $30 million subject to underwriting review.
Internships and Professional Services Coverage

UE offers an easy-to-use policy with broad coverage for most student internships and experiential learning opportunities.
Liability Landscape

UE continues to provide the vital insurance that educational institutions need.

About UE

United Educators (UE) is education’s answer to the distinct risks and opportunities faced by K-12 schools, colleges, and universities.

About UE

Leadership

UE's board of directors and staff leadership bring to their positions years of experience and expertise.
Celebrating 35 Years Serving the Education Community

Celebrating 35 years serving the education community.
Member Update

A message from Joe Carter, Vice President, Business Development and UE Experience at United Educators.
About Our Governance

From enterprise risk management to excellent governance, UE practices what we preach.
Our Diversity, Equity, and Inclusion Mission

UE aims to foster an inclusive and supportive culture that embraces diversity and provides opportunities for all to succeed.
Careers at United Educators

UE offers a dynamic, professional work environment for those who share our values and commitment to excellence.
The UE Newsroom

View UE’s news coverage or contact us for media inquiries.

My UE

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The UE Newsroom

For media inquiries, contact Tish King, Director of Communications.

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UE in the News

April 20, 2022 — United Educators (UE) member Colorado State University (CSU) implemented UE's transportation safety course collection for all authorized CSU drivers. “We are so happy to have this resource available,” said Tiffany Glover, Associate Director of Transportation Services.

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Mar. 25, 2022 — United Educators (UE), a reciprocal risk retention group serving K-12 schools, colleges, and universities, has named Sarah Braughler to succeed Constance Neary as vice president for risk management, effective June 1.

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Mar. 25, 2022 — United Educators (UE) named Sarah Braughler to succeed Constance Neary as vice president for risk management, effective June 1.

Read Article

Feb 1, 2022 — Janice Abraham, President and CEO of United Educators (UE), shares insights on rising claims in the education sector, how insurers are responding to sexual misconduct claims at institutions, and more.

Watch Video

Jan. 7, 2022 — Janice Abraham, United Educators' (UE's) President and CEO, sat down with Risk & Insurance to discuss UE’s 35^th anniversary of its 1987 formation.

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News Releases

May 4, 2022 — Three Risk Management courses from United Educators received Stevie® Awards in the 20th Annual American Business Awards® in the “Achievement in Online Training” category.

April 13, 2022 — United Educators announced today the election of three new members to its Subscribers’ Advisory Board (Board of Directors).

March 24, 2022 — United Educators (UE) insurance, a reciprocal risk retention group serving K-12 schools, colleges, and universities, celebrates the U.S. Supreme Court’s unanimous ruling in favor of our member Houston Community College System (HCCS).

March 17, 2022 — United Educators Insurance named Sarah Braughler to succeed Constance Neary as Vice President for Risk Management, effective June 1.

Aug. 17, 2021 — Joe E. Carter, UE's Vice President of Business Development and UE Experience, has been tapped by the Vermont Captive Insurance Association (VCIA) to serve on its Board of Directors.

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The UE Newsroom

UE in the News

Colorado State University: Parking and Transportation Services Launches Safe Driving Courses

Risk & Insurance: 6 People on the Move

Business Insurance: Comings & Goings

Business Insurance: The BI Interview With Janice Abraham

Risk & Insurance: 10 Questions for United Educators’ CEO and President Janice Abraham

News Releases

United Educators Learning Programs Receive Three Stevie® Awards

Three New Members Elected to United Educators Board

United Educators Member Wins Case Before the U.S. Supreme Court

United Educators Names Sarah Braughler to Succeed Constance Neary as Vice President of Risk Management

United Educators Vice President Joins Vermont Captive Association’s Board