Coverage Summary
United Educators’ (UE’s) comprehensive GL policy typically covers institutions against liability arising out of bodily injury, personal injury, and third-party property damage occurring because of accidents or negligent acts attributable to the insured.
UE offers:
- $1 million/$3 million aggregate primary coverage per occurrence
- Limits of up to $30 million available under excess policy (exceptions apply)
What is Covered
Potential insureds include:
- Higher ed institutions
- Trustees and officers
- Directors
- Faculty
- Employees
Our broad coverage can protect against a wide range of potential claims including alcohol abuse, athletic injuries, traumatic brain injuries (if institutions qualify), and sexual misconduct (if institutions qualify). Coverage may apply to:
- Allied health professionals and counselors in campus infirmaries
- Armed and unarmed security guards
- Athletics
- Excess auto liability
- Excess employers liability
- Foreign travel
- Student transportation (excess of primary auto liability coverage)
- Unmanned aerial vehicles (including drones)
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 institution as well as its students and faculty traveling abroad from liability arising out of acts of foreign terrorism.
FAQs
What are the benefits of being insured by UE?
- Worldwide protection is even more critical as educators and students expand geographic footprints. GL lawsuits don’t have to be filed in U.S. courts.
- EduRisk® provides access to an extensive risk management library and personalized advisory services. From online learning programs to claims studies and webinars, the resources report on topics such as sexual assault prevention and response,
concussion management, and study abroad.
- Risk management premium credit (RMPC) program enables eligible members carrying a GL or educators legal liability (ELL) policy to earn a credit toward their premium by participating in specific risk management activities.
- ProResponse® is a supplemental program available to qualifying K-12 and higher education members with UE’s GL and ELL coverage and to public school districts with UE’s school board legal liability (SBL) and public school liability (PSL) coverage.
Coverage must have been in place both on the date the underlying event occurred and the date that the triggering circumstances arose, depending on the benefit sought.
- Seamless coverage is an added endorsement which provides coordinated coverage for hybrid claims — incidents that result in allegations that trigger claims in both a GL and ELL policy.
What are the submission requirements?
To apply for coverage, email the completed UE application, six-year carrier loss runs, and the institution’s most recent audited financials to your territory manager.
Helpful Resources