United Educators (UE) members have strong relationships with their brokers, who often advocate for coverage specific to the individual institution. Brokers have helped both UE and our members in addressing unique coverage needs for intellectual property, international programs, and other specialized risks. And, brokers help our members understand the UE value and the wealth of resources that come with a UE policy.

We partner with brokers who specialize in serving the education market as well as brokers who have a broader portfolio and are interested in providing the best solution for their education client.

With both new members and renewals, UE takes a long-term view. When a member institution has loss problems or a significant underwriting exposure that will take time and effort to resolve, we don’t end the relationship. We look at alternatives such as restructuring, pricing, self-insured retentions, risk management initiatives, or a different claims management interaction.

We believe that brokers make a difference and look forward to working with you and your client. Contact us now to start the conversation.

Understanding a Reciprocal Risk Retention Group

UE is one of the first and largest risk retention groups (RRG) formed since Congress enacted the Liability Risk Retention Act (LRRA) in 1986. RRGs are a form of a captive insurance company, formed to meet the unique risk transfer need of a specific type of organization or business. Flexibility, responsiveness, and focus on the members of the group are the hallmarks of a well-run RRG.

UE's form of ownership is a non-assessable reciprocal. With reciprocals, or exchanges, member insureds exchange their risks with each other. Each new UE member executes a subscriber’s agreement and power of attorney, appointing United Educators as its attorney-in-fact so it can exchange insurance risks with all other UE members.