Coverage for Your Charter School
Charter schools face liability risks across classrooms, athletics, employment, student life, and school operations. United Educators (UE) brings deep education expertise, liability coverage, and proactive risk management resources to help schools address these complex exposures.
Liability needs vary across charter schools. UE’s educators legal liability (ELL) and general liability (GL) policies address exposures including employment practices, athletics, school operations, and sexual misconduct, with limits up to $35 million available for each, subject to underwriting review.
How ELL and GL Address Charter School Risks
ELL policies may include coverage for:
- Discrimination
- Educational malpractice/failure to educate
- Employment practices
- Certain prior acts
- Certain punitive damages
GL policies may include coverage for:
- Additional insureds
- Alcohol-related claims
- Allied health professionals and counselors in campus infirmary
- Athletics
- Security guards
- Sexual misconduct (for schools who qualify)
Who Is Covered
Our GL and ELL policies may provide coverage for:
- Trustees
- Officers
- Employees
- Teachers and faculty
- Volunteers
- Committee members
- Students who are in supervised internship programs or are performing services for and on behalf of the educational organization
Trustees and Officers Liability Coverage
Greater scrutiny of board affairs has resulted in increased litigation and legal exposure for board members as individuals. Our ELL policy includes trustees and officers liability coverage, also known as directors and officers (D&O) coverage, and was created with these risks in mind. Download overview