Large Loss Report
This annual report summarizes publicly reported major damage awards and settlements that affected K-12 schools, colleges, and universities in the previous year.
Large Loss Report 2026
The Large Loss Report 2026 summarizes publicly reported major damage awards and settlements of at least $2.5 million that affected K-12 schools, colleges, and universities in 2025.
These summaries are drawn solely from published accounts. Most public K-12 schools and public colleges and universities are subject to sunshine laws and, therefore, their settlements routinely appear in the public domain. However private or independent schools don't typically have the same public reporting requirements and, as a result, their unreported claims don't appear in this report.
The report highlights the effects of social inflation on educational institutions.
The summaries herein are provided for the purpose of informing institutions of trends observed in publicly available data. We provide this report as a service to our members, but the report in no way indicates UE’s assessment of the value of any claim. While some losses included in this report reflect trends UE has seen among our members’ education claims, the topics included are not an indication of the scope of UE coverage, nor should the inclusion of a settlement or award in this report be interpreted as reflecting an opinion by UE or our membership of its reasonableness. In addition, some of the loss outcomes may have changed due to the progress of legal proceedings since they were reported. Some losses occurred in prior years but were not publicly reported until 2025.
