General Liability (GL) Coverage

Available Limits

• Primary Coverage: $1 million/$3 million aggregate per occurrence
• Excess Policy: Limits of up to $35 million available (exceptions apply)

All limits subject to underwriting review.

What Is Covered

UE’s GL policy typically covers institutions against liability arising out of bodily injury, personal injury, and third-party property damage occurring because of accidents or negligent acts attributable to an insured.

Coverage may apply to:

• Allied health professionals and counselors in campus infirmaries
• Armed and unarmed security guards
• Athletics
• Excess auto liability
• Foreign travel

Who Is Covered

The policy typically provides coverage for:

• Educational institutions
• Trustees and officers
• Directors
• Faculty
• Employees

Types of GL Coverage

• Primary General Liability (CGL) — Broad primary general liability coverage with a $1 million limit of liability that applies to each occurrence and a $3 million annual aggregate limit
• Excess General Liability (GLX) — Excess general liability coverage up to $35 million per occurrence
• Buffer Excess Liability (BLX) — Alternative to a traditional CGL policy that includes many of the same coverages, but with a self-insured retention and excess auto liability at a lower attachment point than the GLX
  
  All limits subject to underwriting review.