2021 Liability Landscape

Today’s insurance market is like that of 1987, when United Educators (UE) was founded. Educators truly had nowhere to turn to get coverage that addressed their specific exposures at a price they could afford. You can expect that there may be difficulty getting coverage again this year for other lines of insurance, such as property.

The Council of Insurance Agents & Brokers (CIAB) predicts commercial carriers will increase rates across the board, at substantially higher rates than in prior hard markets. The issues insurance carriers faced at the beginning of 2019 — such as the increasing costs of defense and settlements — didn’t go away during the COVID-19 pandemic, unfortunately. Because we were founded to serve education, UE does all we can to provide your institution with the protection you need. We’ll keep monitoring the market and education environment and will do what we can to stand by you, as we always have, when things get tough.

About Your 2021 Renewal

Coverage Changes

2021 Coverage FAQs

Effective Jan. 1, 2021, UE implemented policy changes in response to the challenging liability environment and rising claims costs. These changes include increased premiums, revised terms of coverage, and reduced capacity.

UE remains committed to serving our members and their mission. We’re providing these FAQs to help you understand the changes and why they are critical to preserving essential coverages for the education community.


Limits of Liability

Defense Costs



Cyber Liability


To learn more about how these changes affect coverage for your institution, please contact your broker or UE underwriter.

For general inquiries, email uesupport@ue.org.


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Please take a moment to answer a few questions regarding the video series and product changes overview.