Special Reports on Risks and Losses

[New] Top Risks Reports

Each year, United Educators (UE) members share their perspectives on pressing risks through the Top Risk Survey. This year’s results reveal the top self-reported risks across our membership, along with how those risks have changed over the past few years. Use these reports — broken out by higher education and independent and charter K-12 schools — to compare your institution’s risks with those of similar UE members.

Insights for K-12 Schools

Insights for Higher Education

Large Loss Report 2026

The Large Loss Report 2026 summarizes 41 publicly reported major damage awards and settlements that affected K-12 schools, colleges and universities in 2025. This year the report only includes cases costing $2.5 million and more.

Social inflation, the increased cost of litigation above general economic inflation, has dramatically increased the cost of claims. In the past several years there has been a dramatic escalation in the number and magnitude of large losses at higher ed and K-12 schools.

Large Loss Report

Critical Risk Areas Reports

This special report examines critical liability risk areas drawn from UE’s claims and risk management experience, broken out by K-12 schools and higher education. Resource constraints force K-12 schools, colleges, and universities to prioritize their most critical risks when developing a risk management strategy. Use these exclusive reports for UE members to evaluate vulnerabilities and dedicate resources to risk areas of critical concern.

Insights for K-12 Schools (login required)

Insights for Higher Education (login required)