Large Loss Report 2026
Understand education's current liability landscape.
Why Read This
The Large Loss Report 2026 summarizes publicly reported major damage awards and settlements of at least $2.5 million that affected K-12 schools, colleges, and universities in 2025.
Key Insights
- 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.
- Many sexual misconduct claims came about after states enacted legislation to allow adult survivors of childhood sexual abuse to bring civil claims after the statute of limitations passed.
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.
About UE
UE provides liability insurance and risk management solutions to meet the unique needs of K-12 schools, colleges and universities. UE serves members from large university systems to small, independent K-12 schools, providing coverage and tools to help institutions confidently manage education-specific liability risks. Founded exclusively for education, UE has received an A (Excellent) financial strength rating from AM Best every year since 1998. UE is among Ward’s 50® top-performing insurance companies.
Why Read This
The Large Loss Report 2026 summarizes publicly reported major damage awards and settlements of at least $2.5 million that affected K-12 schools, colleges, and universities in 2025.
Key Insights
- 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.
- Many sexual misconduct claims came about after states enacted legislation to allow adult survivors of childhood sexual abuse to bring civil claims after the statute of limitations passed.
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.
About UE
UE provides liability insurance and risk management solutions to meet the unique needs of K-12 schools, colleges and universities. UE serves members from large university systems to small, independent K-12 schools, providing coverage and tools to help institutions confidently manage education-specific liability risks. Founded exclusively for education, UE has received an A (Excellent) financial strength rating from AM Best every year since 1998. UE is among Ward’s 50® top-performing insurance companies.