The value of United Educators (UE) membership extends far beyond the insurance policy. Member institutions have access to our education-specific risk management resource library, including media, online courses, and publications.
Through our broad liability coverage, education-specific risk management resources, and mission-driven claims handling, we provide schools, colleges, and universities with the protection they need so that they can focus on their educational mission.
UE distributes insurance and risk management services exclusively through our valued network of brokers and agents. We believe that strong relationships with experienced brokers makes a difference for our members when determining how to best address an institution’s unique coverage needs.
UE has over three decades of experience working with K-12 schools and has crafted its PSL and SBL policies based on that experience. We also can offer SBL as a stand-alone policy.
UE can provide capacity up to $10 million for both direct coverage and reinsurance, and a minimum self-insured retention of $25,000.
Who Is Covered
Our policies attempt to address the specific concerns of public school districts and boards of education. The policies may provide coverage for:
Trustees and officers
Students and interns (in some circumstances)
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
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.