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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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Liability Insurance

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
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Transportation Safety

Campus Violence Risk Management Resource Collection
The following United Educators (UE) resources can help guide administrators as they review and establish risk management practices to prevent violence on campus.
Crisis Response: A Library of Tabletop Exercises
These exercises allow you to assess your response efforts in advance of a crisis, identify flaws or gaps in your campus’ responses and make adjustments as needed.
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 Mental Health Resource Collection
The following resources can help you address mental health concerns in your community.
Title IX and VAWA-Campus SaVE Act Resource Collection
A collection of resources summarizing recommended practices for handling key aspects of student sexual misconduct.

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

Award-Winning Online Training Solutions for Education
Complimentary to United Educators (UE) members. Available to all other K-12 schools, colleges, and universities through Canopy Programs.
Knowledge Pathways: Essential Training for Your Learners
UE offers comprehensive knowledge pathways to reinforce critical learnings for students and employees.

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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.

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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.

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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.

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Canopy Programs Overview

ERM services and online training solutions specifically for education.
Online Training

Our award-winning online training is available to non-UE members through Canopy Programs.
Enterprise Risk Management

ERM workshop and consulting services for K-12 schools and higher education.

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.
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.

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

The value of United Educators (UE) membership extends far beyond the insurance policy. Each member institution has access to our education-specific risk management library.
Member Appeals

Recent and 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.
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.

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 UE's leadership team.
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.

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The UE Newsroom

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

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UE in the News

Jan. 27, 2023 — Joe Carter, Vice President of Business Development and UE Experience, explains how social inflation is changing the liability landscape for independent schools nationwide.

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Jan. 9, 2023 — Rick Seltzer, Higher Ed Dive, highlights the main concerns of higher ed institutions heading into 2023 based on UE's Top Risks Report 2022.

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Jan. 6, 2023 — Inside Higher Ed breaks down UE's Top Risks Report 2022.

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Dec. 1, 2022 — Roya P. Ewing has joined United Educators (UE) as Associate Vice President of Litigation Management and Operations.

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Sarah Braughler, VP of Risk Management at UE, shares 10 ways to combat employee burnout with Risk & Insurance. Read her insights and practical tips.

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News Releases

Jan. 20, 2023 — The American Property Casualty Insurance Association (APCIA) named three United Educators (UE) employees to the 2023 class of Emerging Leaders.

Jan. 10, 2023 — United Educators (UE) insurance has been named one of the nation’s best woman-led workplaces.

Nov. 29, 2022 — United Educators (UE) is pleased to announce the addition of Roya P. Ewing as its new Associate Vice President for Litigation Management and Operations. She joined UE on Nov. 28.

Nov. 15, 2022 — Melanie Bennett, Esq., a Senior Risk Management Counsel at United Educators, has been tapped by the Higher Education Protection Network (HEPNet) to serve on its Board of Directors from 2023-25.

Oct. 31, 2022 — United Educators (UE) recognized Joe Tucker, Founder and CEO of Philadelphia-based Tucker Law Group, with the 2022 Distinguished Counsel Award.

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The UE Newsroom

UE in the News

Net Assets: Why Is Insurance More Expensive?

Higher Ed Dive: Here are the Top Risks College Leaders are Worried About This Year

Inside Higher Ed: Enrollment Remains Top Risk Cited by Colleges

Captive.com: Roya P. Ewing Joins United Educators in Litigation Management Role

Risk & Insurance: 10 Ways to Fight Employee Burnout, Brain Drain and EPLI Exposure Like a Boss

News Releases

APCIA Selects Three United Educators Employees as Emerging Leaders in Insurance

United Educators Recognized As a Top Woman-Led Workplace

Roya Ewing Joins UE As AVP for Litigation Management and Operations

Melanie Bennett of United Educators Joins HEPNet Board

United Educators Honors Joe Tucker With Distinguished Counsel Award