Public School (K-12) Coverage

PSL Coverage Highlights

• Occurrence form (general liability and excess auto liability)
• Blanket additional insured where required by contract
• Care, custody, and control exception for autos used in curriculum related instruction
• Intentional acts exception for protection of people or property (corporal punishment and law enforcement)
• Limited school pollution liability coverage
• “Pay on behalf of” form
• Sexual misconduct (including sexual molestation) coverage for schools who qualify
• Coverage (including students) for practicums or internship programs
• Coverage for traumatic brain injury claims

SBL Coverage Highlights

• Discrimination
• Employment practices
• Educators errors and omissions (E&O)

Reinsurance
For those seeking reinsurance for a multi-district risk pool, UE can provide a reinsuring agreement that supports the pool’s underlying memorandum of coverage.

• Worldwide protection is even more critical as educators and students expand geographic footprints. Educators legal liability (ELL) lawsuits don’t have to be filed in U.S. courts.
• 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® 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.

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.