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.

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Large Loss Report 2022

This year’s Large Loss Report summarizes 50 major damage awards and settlements of more than $500,000 that affected K-12 schools, colleges, and universities in 2021.

These summaries are drawn solely from published accounts. While most of the large losses don’t involve United Educators (UE) members, these cases demonstrate that losses, in terms of financial and reputational impact, can be significant.

The report highlights the effects of social inflation on educational institutions. From 2015 to 2020, UE saw the average claim cost double for primary general liability (CGL) and educators legal liability (ELL). Defense costs are contributing significantly to increasing claims costs along with larger awards and settlements.

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Past Claims Trends

Large Loss Report 2021

Large Loss Report 2020

Large Loss Report 2020 K-12