Coverage Summary
United Educators’ (UE’s) IPL policy covers most student internships and experiential learning opportunities. This product streamlines the process to obtain appropriate coverage for situations in which students are developing their skills or advancing
their education through hands-on experience.
The IPL policy features include an available $0 deductible, defense costs outside the limits of liability, and full prior acts coverage. Subject to the policy’s terms and conditions, the IPL policy provides claims made coverage for wrongful acts in the
performance or failure to perform an internship program or the rendering or failure to render certain professional services. The coverage includes coverage for bodily injury and property damage-related claims.
UE offers limits of:
- Up to $3 million per claim and $6 million annual aggregate
- Up to $30 million for select exposures with UE’s general excess liability product(s)
Human Subjects Research Endorsement
Incorporating human subjects in research studies has revolutionized the impact that institutions have in a variety of industries. To help bridge the gap for claims related to human subjects, UE provides limited human subjects research (HSR) coverage via
endorsement under our IPL policy.
Endorsement Features
Coverage for HSR includes experimental studies or research on humans where an insured:
- Collects, studies, or analyzes data without intervention or treatment
- Performs interventional treatment designed to measure changes in a medical condition
- Performs fine needle biopsies, blood collection and sampling, suturing of superficial wounds, and lacerations
Examples of Potentially Covered Research
- For a diabetes HSR study, students observe from a gallery, a surgery as it is performed by a third party. The students then analyze blood samples collected from that surgery.
- During an HSR study, subjects jog on a treadmill for a given amount of time and then researchers monitor the effects of increased heart rate on lowering blood pressure.
- An HSR study on the effects of meditation on minors dealing with depression due to having a sibling who died by suicide.
Who is Covered
The policy protects the institution and, at the option of the institution, faculty supervisors, certain employees providing professional services in select occupations, volunteers and students, within the scope of their duties or obligations to the institution.
Potential insureds include:
- Students participating in an internship program
- Licensed faculty and employees performing services at a stationary or mobile clinical education facility
- Licensed faculty and employees performing services for the campus community
- Continuing education coverage for licensed faculty and employees maintaining licensure
- Interns, faculty, and staff providing services at an institution-sponsored event for the community
Subject to the policy’s terms and conditions, the policy provides coverage for existing and new internship programs and experiential learning programs without application questions, scheduling, or midterm reporting. It provides coverage for a range of
health care services when performed in support of an academic program.
FAQs
What are the benefits of being insured by UE?
- Worldwide protection is even more critical as educators and students expand geographic footprints. General liability (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.
- ProResponse® crisis response benefit 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