Gold

Independent School Coverage

offered by United Educators
United Educators' independent school coverage provides up to $40 million with our educators legal liability (ELL) policy and up to $40 million with our general liability (GL) umbrella or excess coverage. The combination of ELL and GL gives independent schools the resources needed to protect finances, endowments, and reputations.

UAV (drone) coverage is a standard part of the GL policy, covering institutions for damages sustained by use of drones (weighing less than 55 pounds) for purposes beyond research and education, such as roof inspections and aerial promotional videos, as well as for research and education purposes for UAVs weighing up to 100 pounds.

GL policies also include coverage for:

  • Additional insureds
  • Alcohol-related claims
  • Allied health professionals and counselors in campus infirmary
  • Athletics
  • Boarding schools
  • Fire
  • Security guards
  • Sexual molestation
ELL policies include coverage for:

  • Discrimination
  • Educational malpractice /failure to educate
  • Employee benefits/ERISA
  • Employment practices
  • Prior acts
  • Punitive damages
  • Trustees and officers
EduRisk™ risk management services and resources are included with each policy, such as multimedia learning programs, an extensive risk management library, and personalized advisory services via telephone and email.

When UE writes both the primary GL and ELL coverage, we add our unique endorsements that provide broader, coordinated coverage, referred to as Seamless Coverage. For example, UE is expanding its Seamless Coverage endorsement to include clear protection for liability associated with police and security professionals. Beginning on April 1, 2017, upon policy issuance, the seamless coverage endorsement provided to all qualifying members will specifically address these protections for actions of police or security staff:

  • Wrongful acts
  • Allegations of unreasonable/excessive use of force
  • Violation of property rights
  • Allegations of discrimination
  • Use of mace or pepper spray
  • Defense costs for allegation of dishonest and fraudulent acts
UE offers a Risk Management Premium Credit (RMPC) to institutions that take advantage of EduRisk following the RMPC guidelines.

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AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY

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Julie Britt Sr. Communications Associate jbritt@ue.org 301-215-6429