United Educators' (UE) general liability (GL) policies insure the institution, its trustees, directors, officers, faculty, 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 insured.

Our broad coverage protects against a wide range of potential claims including alcohol abuse, campus crime, and sexual misconduct and molestation. Coverage applies to: 

• Allied health professionals and counselors in campus infirmary
• Armed and unarmed security guards
• Athletics
• Excess auto liability (GLX/GLU only)
• Excess employers liability (GLX/GLU only)
• Foreign travel
• Student transportation (excess of primary auto liability coverage)
• Unmanned aerial vehicles (UAVs or drones)

Features of UE’s GL Coverage

Significant Limits

UE offers $1 million/$3 million aggregate primary coverage per occurrence, with limits of up to $40 million available under umbrella and excess policies (exceptions apply).

Broad Definition of Insured

UE’s GL policies cover employees, trustees, volunteers acting on behalf of the institution, students (when acting to comply with the institution’s code of conduct), and committees, including institutional review boards (for nonprofessional liability).

Coverage for Newly Acquired Entities

When a for-profit entity is acquired, UE's educators legal liability (ELL) and GL policies provide for 60 days of automatic coverage for up to 5 percent of assets. Nonprofit entities are automatically covered with a threshold of up to 5 percent of assets.

Worldwide Protection

Worldwide coverage means that lawsuits do not have to be brought in U.S. courts. UE has defended against overseas negligence suits brought by foreign nationals. Our worldwide protection is even more critical as educators and students increase their geographic footprint.

ProResponse

UE's supplemental crisis response program, ProResponse, helps institutions respond to unusual circumstances requiring a rational approach to legal matters, professional public relations counsel and a thoughtful appreciation for the emotional trauma of the situation. ProResponse is available to members who carry UE's ELL and any form of GL coverage such as CGL, GLX, GLU, or BLX. Learn more.   

Foreign Terrorism Endorsement

UE's standard GL policies provide coverage for acts of domestic terrorism. These policies cover hostile actions occurring in the U.S., including its territories or possessions, or in Canada.

The Foreign Terrorism endorsement offers optional GL coverage to protect an educational institution as well as its students and faculty traveling abroad from liability arising out of acts of foreign terrorism.

General Liability Umbrella and General Liability Excess

The general liability excess (GLX) policy provides coverage up to $40 million per occurrence with no general aggregate with exceptions for sexual molestation, products/completed operations, athletic TBI, and employee occupational disease. This is an ideal fit with UE’s CGL coverage and should be considered by mid-size to large educational organizations.

The general liability umbrella (GLU) policy provides coverage up to $40 million aggregate limit. Generally used by smaller colleges and independent schools, the GLU provides broad form coverage.

Compare Our Coverage

Download the following materials to help evaluate the advantage of UE coverage.

General Liability Overview
General Liability Comparative Value Guide
Comparison of UE Umbrella and Excess Forms
General Liability Excess and Umbrella Coverage Comparative Value Guide
Seamless Coverage Overview