Platinum

Educational Institutions General Liability

offered by United Educators
United Educators' general liability policies insure the institution, its trustees, directors, officers, faculty, and employees (at the option of the educational institution) against liability arising out of bodily injury, personal injury, and third-party property damage occurring because of wrongful or negligent acts attributable to the insured. Our broad coverage protects against a wide range of potential claims, including traumatic brain injury, campus crime, unmanned aerial vehicles (UAVs) or drones, alcohol-related claims, and sexual misconduct and molestation. Coverage applies to:

  • Allied health professionals and counselors in campus infirmary
  • Armed and unarmed security guards
  • Athletics
  • Excess auto liability (GLX/GLU only)
  • Excess employers liability (GLX/GLU only)
  • Foreign travel
  • Student transportation (excess of primary auto liability coverage)
UAV (drone) coverage is a standard part of the 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.

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