Early reporting and active involvement by the institution and UE are essential for successful claims resolution. For the most efficient service, please submit new claims to email@example.com. Please include any available documentation, such as:
- Incident Report
- Notice of legal action or demand letter
- Press/media reports
Questions about claims reporting? Simply call (800) 346-7877 and select option 3.
Early reporting and active involvement by the institution and UE aressential for successful claims resolution. An institution that fails to meet the reporting responsibilities outlined in its insurance policy risks denial of coverage or loss of full benefits. Reporting considerations vary with the type of policy.
If you need claims guidance after regular business hours and have experienced a fatality, including suicide, or other catastrophic event , such as severe injury, sexual molestation, or rape, please contact either:
New claims may be reported by email or fax. Please attach documentation for each claim and send to: firstname.lastname@example.org or fax to (301) 907-0303. For claims reporting questions, call (800) 346-7877 and select option 3.
Early reporting and active involvement by the institution and UE are essential for successful claims resolution. An institution that fails to meet the reporting responsibilities outlined in its insurance policy risks denial of coverage or loss of full benefits.
Prompt reporting ensures that UE claims professionals have the opportunity to assess threatened legal action, gather additional facts from key institutional contacts, approve or select outside defense counsel to represent your legal interests, and, where appropriate, coordinate with UE risk management specialists to assist you in handling ongoing events that may have an impact on future litigation.
United Educators offers unsurpassed claims service to our members. Our claims department is organized to optimize resources, meet the claims handling needs of our members, and prepare for future innovation and growth. UE’s claims attorneys and managers together with UE Select Counsel handle approximately 2,500 claims at any one time and give individual attention to each one.
The Comprehensive Claims Group handles most of our more routine claims from beginning to end. It is a high tech/high volume operation with nationwide reach. Matters of higher exposure or complexity are managed by claims attorneys within our Specialty Claims Group.
To view an organizational chart of the UE claims department, please click here.
UE's claims attorneys and managers work with legal counsel nationwide to handle approximately 2,500 claims at any one time, giving individual attention to each one. To view an organizational chart of the UE claims department, please click here. A representative of UE’s Claims Department usually will contact you to discuss your claim soon after you report it and to request additional information if necessary.
As the claim proceeds, UE will investigate and evaluate any potential exposure against the institution or, in the case of excess liability claims, monitor its progress. In cases in which UE appoints defense counsel, counsel must agree to conduct the defense in accordance with UE's Defense Counsel Guidelines and to submit a defense budget when requested. The guidelines provide for the communication and accountability necessary for UE to assist in the timely resolution of the claim and to approve costs reimbursed under your policy.
Over the life of the claim, UE will work with you to evaluate various strategic options and courses of action. In consultation with the institution’s representative and outside counsel when involved, we will make recommendations about whether the case should be defended or settled.
Reporting considerations vary with the type of policy. Click here to learn more about reporting claims for educators legal liability (ELL), primary general liability (GL), and excess general liability (GLX).
In order to provide the broadest coverage, the ELL policy also allows you to report circumstances that are not yet claims but that you believe may give rise to a claim sometime in the future. Please send us a written description of that circumstance, the name of the person or persons who may seek to hold the institution liable, and the manner in which you first became aware of the circumstance.
One advantage of reporting an incident is that you have the opportunity to discuss the potential claim with an experienced UE claims attorney. We offer:
A benefit of an early consultation is that up to $10,000 of a UE-appointed attorney’s time expended in advising the member prior to a claim is credited to the institution’s Self-Insured Retention if the incident later develops into a claim.
If the institution has been sued, please send us the complaint and include any exhibits; otherwise, please send us the demand letter, agency charge, email, or other document that constitutes a “claim” under the ELL policy and triggers the institution’s reporting obligations. We prefer to receive all documents electronically.
We would also appreciate receiving any prior correspondence with the claimant or his or her attorney, internal reports or results of appeals (such as those in faculty tenure or promotion cases or disciplinary situations involving staff or students), and any other document that bears on the claim.
Once a claim has been made, do not discuss the matter externally, especially with the media, without first consulting your UE claims attorney or claims manager. Do not sign or accept any releases from any parties without obtaining approval from us. Accept all correspondence, memoranda, suit papers, and the like without comment or argument. Do not admit liability and do not attempt to place blame.
If circumstances warrant referring the matter to an attorney, UE will either appoint or approve counsel to represent your institution, depending on the terms of your policy. Until we do so, you should not incur legal fees because costs incurred without our prior approval will not be credited to your self-insured retention or reimbursed by UE.
Coverage for a claim may also be provided by another insurance policy, such as a primary general liability (GL) policy. To protect your interests, notice of a claim should be submitted to any potentially responsible carrier. If your GL policy is with UE, only one report is necessary.
In certain instances, the severity of the injury requires the institution to report all incidents, regardless of whether the institution feels that a claim will arise. These catastrophic events are as follows:
In addition, both policies have a special reporting requirement for occurrences involving pollution. Please see the policy definition and exclusion for additional requirements.
When reporting a new claim or incident, please send UE the campus incident report and investigation, if one exists, including any witness statements. We prefer to receive all documents electronically.
Coverage for a claim may also be provided by another institutional policy, such as an educators legal liability policy. To protect your interests, notice of a claim should be submitted to any potentially responsible carrier. If your educators legal liability policy is with UE, only one report is necessary.
If you have questions about claims reporting, please call (800) 346-7877 and press 3.
Stay current on managing risk at educational institutions Sign up for our monthly newsletter