Independent School Coverage
Independent schools face liability risks across classrooms, athletics, employment, student life, and campus operations. UE brings deep education expertise, liability coverage, and proactive risk management resources to help schools address these complex exposures.
Liability needs vary across independent schools — from small day schools to large boarding communities. UE’s educators legal liability (ELL) and general liability (GL) policies address exposures including employment practices, athletics, boarding operations, and sexual misconduct, with limits up to $35 million available for each, subject to underwriting review.
How ELL and GL Address Independent 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
- Boarding schools
- Security guards
- Sexual misconduct (for schools who qualify)
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
Increased scrutiny can create legal exposure for board members as individuals. UE’s 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
Independent K-12 school
UE is best in its class. They have wonderful industry expertise and are always in front of education’s emerging issues.
