The value of UE membership extends far beyond the insurance policy. Member institutions have access to our education-specific risk management resource library and online training.
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Educators Legal Liability Coverage
United Educators’ (UE’s) educators legal liability (ELL) policy covers institutions with limits up to $35 million subject to underwriting review.
Subject to the policy’s terms and conditions, the ELL policy protects against a range of potential claims involving educational institutions including:
Discrimination
Educational malpractice/ failure to educate
Employment practices
Certain prior acts
Certain punitive damages
Who Is Covered
The policy typically provides coverage for the institution as well as its trustees, directors, and officers. At the institution’s option, the policy also covers employees, volunteers, and, in some circumstances, students and interns, acting within the scope of their duties or obligations to the institution.
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
FAQs
An extensive risk management library and personalized advisory services are available to UE members. From online training to claims studies and webinars, the resources report on topics such as sexual assault prevention and response, concussion management, and study abroad.
Risk Management Premium Credit (RMPC) program enables eligible members carrying an ELL or general liability (GL) policy to earn a credit toward their premium by participating in specific risk management activities.
ProResponse® crisis response benefit is a supplemental program available to qualifying K-12 and higher education members with UE’s GL and ELL coverage and to public school districts with UE’s school board legal liability (SBL) and public school liability (PSL) coverage. Coverage must have been in place both on the date the underlying event occurred and the date that the triggering circumstances arose, depending on the benefit sought.
Seamless coverage is an added endorsement which provides coordinated coverage for hybrid claims — incidents that result in allegations that trigger claims in both an ELL and GL policy.
Members with ELL policies benefit from our pre-claim advice credit, which reduces their self-insured retention when they seek early advice from UE-selected counsel for an incident that later becomes a claim.
To apply for coverage, email the completed UE application, six-year carrier loss runs, and the institution’s most recent audited financials to your territory manager.
