Large Loss Report 2026
Major damage awards and settlements of $2.5 million or more affecting educational institutions in 2025.
Why Read This
While large losses are outliers, they help illustrate how social inflation is reshaping the liability landscape for education.
Key Insight: Seventeen of the 41 settlements or awards in this report involved sexual misconduct. Of those, 14 involved alleged misconduct occurring 10 or more years ago.
This report can help your education clients:
- Provide context for leadership discussions about the liability landscape.
- Understand trends influencing claims severity.
- Reinforce the importance of proactive risk management and thoughtful claims handling.
Fill out the form now to read the full report.
The summaries herein are provided for the purpose of informing institutions of trends observed in publicly available data. We provide this report as a service to our members, but the report in no way indicates UE’s assessment of the value of any claim. While some losses included in this report reflect trends UE has seen among our members’ education claims, the topics included are not an indication of the scope of UE coverage, nor should the inclusion of a settlement or award in this report be interpreted as reflecting an opinion by UE or our membership of its reasonableness. In addition, some of the loss outcomes may have changed due to the progress of legal proceedings since they were reported. Some losses occurred in prior years but were not publicly reported until 2025.
Why Read This
While large losses are outliers, they help illustrate how social inflation is reshaping the liability landscape for education.
Key Insight: Seventeen of the 41 settlements or awards in this report involved sexual misconduct. Of those, 14 involved alleged misconduct occurring 10 or more years ago.
This report can help your education clients:
- Provide context for leadership discussions about the liability landscape.
- Understand trends influencing claims severity.
- Reinforce the importance of proactive risk management and thoughtful claims handling.
Fill out the form now to read the full report.
The summaries herein are provided for the purpose of informing institutions of trends observed in publicly available data. We provide this report as a service to our members, but the report in no way indicates UE’s assessment of the value of any claim. While some losses included in this report reflect trends UE has seen among our members’ education claims, the topics included are not an indication of the scope of UE coverage, nor should the inclusion of a settlement or award in this report be interpreted as reflecting an opinion by UE or our membership of its reasonableness. In addition, some of the loss outcomes may have changed due to the progress of legal proceedings since they were reported. Some losses occurred in prior years but were not publicly reported until 2025.