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.
UE provides comprehensive coverage for:
Our comprehensive educators legal liability (ELL) policy provides coverage for higher education institutions, trustees, directors, and officers. At the institution's option, policies also cover employees, volunteer workers, and in some circumstances, students and interns. Trustees can also rely on our trustees and officers (D&O) coverage.
General liability (GL) policies insure the institution, its trustees, directors, officers, and employees (at the option of the educational institution) against liability arising out of bodily injury, personal injury, and third-party property damage occurring because of wrongful or negligent acts attributable to the institution.
Many incidents result in allegations that trigger hybrid claims in which separate claims are made against both GL and ELL policies. If the policies are with separate insurance carriers, coverage disputes often arise as to which policy and carrier should respond to the claim, leaving the policyholder in the middle. When UE writes both the primary GL and ELL coverage, we add our unique seamless coverage endorsements to provide broader, coordinated coverage.
Community College Focus coverage is for small to medium-sized community colleges without residence halls or four-year programs, with operating budgets of less than $100 million. Coverage includes general liability, educators legal liability, and community college professional liability.
UE offers licensed professional liability (LPL) and experiential student policies (ESP) for situations in which students are developing their skills or advancing their education through hands-on experience. LPL is also applicable when faculty supervise the activities of licensed professionals.
UE extensively studies claims trends, legislative issues, and the education environment to address evolving liability and risk management issues. Developing personal relationships with our members enables us to provide specific solutions for large research universities as well as small community colleges.
For personalized advice, our risk management professionals are only an email or phone call away. They welcome inquiries from members on topics critical to colleges and universities and have recently provided guidance on Title IX compliance, campus security practices, and concussion policies for club sports.
Risk management resources are an invaluable part of coverage with UE and are included with ELL or GL policies. Through EduRisk, brokers and members have 24/7 access to hundreds of education-specific multimedia risk management resources.
EduRiskSolutions.org provides school and campus administrators with immediate access to research, blogs, and publications on critical topics such as Title IX compliance, concussion management, and protecting minors on campus.
The EduRisk Learning Portal serves as the gateway to learning programs for faculty, staff, supervisors, and students. EduRisk learning programs incorporate a variety of formats to address the diverse learning styles that adults and students bring to campus. These include:
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