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Discover United Educators

We provide liability insurance and risk management solutions to meet the unique needs of K-12 schools, colleges, and universities.

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Education’s Own Insurance Company™

Our insurance and risk management services are distributed exclusively through our valued network of insurance brokers. We believe that strong relationships with experienced brokers make a difference for our members when determining how to best address an institution’s unique coverage needs.

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Our Coverage

Learn more about our liability insurance policies and understand how UE's coverage compares to other carriers.

Product Overviews

Educator's Legal Liability (ELL) Coverage
ELL Overview [Video]
General Liability (GL) Coverage
GL Overview [Video]
Charter School Coverage
Independent School Coverage
Seamless Coverage

Compare Our Coverage

ELL Comparative Value Guide
GL Comparative Value Guide
Internships and Professional Services (IPL) Comparative Value Guide
Public School Liability (PSL) Comparative Value Guide
School Board Legal Liability (SBL) Comparative Value Guide

ProResponse® Benefit

ProResponse®, a supplemental crisis response benefit, offers specialized expertise when its needed most.

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Risk Management Services and Resources

Eligible UE members receive complimentary access to our extensive suite of education-specific risk management services and resources, including a library of award-winning online courses. 

Overview for K-12 Schools
Overview for Higher Education

Claims Trends

The summaries in the following Large Loss Reports are drawn solely from published accounts involving claims against K-12 schools, colleges, and universities. Some of the large losses involve United Educators (UE) members, while others do not.

Large Loss Report 2026
Large Loss Report 2025

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