Coverage Summary
United Educators (UE) has over three decades of experience working with K-12 schools and has crafted its public school liability (PSL) and school board legal liability (SBL) policies based on that experience. We also can offer SBL as a stand-alone policy.
UE can provide capacity up to $10 million for both direct coverage and reinsurance, and a minimum self-insured retention of $25,000.
Who is Covered
Our policies attempt to address the specific concerns of public school districts and boards of education. The policies may provide coverage for:
- Schools
- Trustees and officers
- Superintendents
- Employees
- Student teachers
- Volunteer workers
- Students and interns (in some circumstances)
FAQs
What does the coverage include?
PSL Coverage Highlights
- Occurrence form (general liability and excess auto liability)
- Blanket additional insured where required by contract
- Care, custody, and control exception for autos used in curriculum related instruction
- Intentional acts exception for protection of people or property (corporal punishment and law enforcement)
- Limited school pollution liability coverage
- “Pay on behalf of” form
- Sexual misconduct (including sexual molestation) coverage for schools who qualify
- Coverage (including students) for practicums or internship programs
- Coverage for traumatic brain injury claims
SBL Coverage Highlights
- Discrimination
- Employment practices
- Educators errors and omissions (E&O)
Reinsurance
For those seeking reinsurance for a multi-district risk pool, UE can provide a reinsuring agreement that supports the pool’s underlying memorandum of coverage.
What are the benefits of being insured by UE?
- Worldwide protection is even more critical as educators and students expand geographic footprints. Educators legal liability (ELL) 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 an ELL or general liability (GL) 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 an ELL and GL 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