Large Loss Report 2023

January 2023
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Why Read This

The Large Loss Report 2023 summarizes 69 publicly reported major damage awards and settlements of at least $1 million that affected K-12 schools, colleges, and universities in 2022. That’s compared to 38 publicly reported awards and settlements of at least $1 million the prior year.

These summaries are drawn solely from published accounts. Most public K-12 schools and public colleges and universities are subject to sunshine laws and, therefore, their settlements routinely appear in the public domain. However private or independent schools don’t typically have the same public reporting requirements and, as a result, their unreported claims don’t appear in this report.

The report highlights the effects of social inflation on educational institutions. From 2015 to 2020, the average cost doubled for United Educators (UE) primary general liability (CGL) and educators legal liability (ELL) claims. Defense costs are contributing significantly to increasing claims costs along with larger awards and settlements.


About UE
UE provides liability insurance and risk management services to about 1,600 members representing K-12 schools, colleges, and universities throughout the United States.

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