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 2025
The Large Loss Report 2025 summarizes 54 publicly reported major damage awards and settlements that affected K-12 schools, colleges and universities in 2024. This year the report only includes cases costing $2.5 million and more.
Social inflation, the increased cost of litigation above general economic inflation, has dramatically increased the cost of claims. In the past six years there has been a dramatic escalation in the number and magnitude of large losses at higher ed and K-12 schools.
The summaries herein are provided for the purpose of informing institutions of trends 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 aren’t 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 weren’t publicly reported until 2024.
