The value of UE membership extends far beyond the insurance policy. Member institutions have access to our education-specific risk management resource library and online training.
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Education’s Own Insurance Company™
United Educators (UE) provides liability insurance and risk management solutions to meet the unique needs of K-12 schools, colleges, and universities.
We serve members from large university systems to small, independent K-12 schools, providing coverage and tools to help institutions confidently manage education-specific liability risks.
Founded exclusively for education, UE has received an A (Excellent) financial strength rating from AM Best every year since 1998. UE is among Ward’s 50® top-performing insurance companies.
Our History
In March 1987, 59 founding educational institutions created UE to serve education by offering specialized liability coverage. Learn more about UE’s history ›
Our Vision
To be the leading risk transfer and risk management partner of choice for educational institutions
Our Mission
To help educational institutions identify, prevent, respond to, and recover from adversity and risks, enabling them to advance their mission
We Know Education.
Discover what makes our liability coverage and risk management services stand out, hear from current UE members, and learn about our rich history and commitment to education.
UE at a Glance
48
States with UE members
14.3 years
Average length of UE membership
97%
Retention rate over 10 years
>90%
Customer satisfaction
2.9
Average policy count per member
$35 Million
Limits available with UE excess policy
Five Reasons to Choose UE
A trusted partner is more important than ever as education liability risks are increasing in severity, complexity, and cost.
UE provides deep education expertise, practical risk management support, and individualized underwriting for educational institutions of all types and sizes.
Helping institutions anticipate exposure and benefit from practical tools to mitigate risks.
Premium credit (up to 6%) for completing eligible mitigation activities
Claims-data-informed risk reports
Scenario-based tools and on-demand training
Responsive and personalized risk support at no additional cost
Underwriting to reflect the realities of education liability and complex exposures such as:
Sexual misconduct
Traumatic brain injury
Employment-related claims
Local litigation environment and institutional risk profile
Providing educational institutions with stable capacity in a volatile liability market.
Up to $35 million in coverage limits (subject to underwriting approval)
AM Best “A” (Excellent) rating since 1998
Ward’s 50® top-performing insurer
Bringing empathy, efficiency, and demonstrated expertise in education-related claims.
ProResponse®, a supplemental crisis response program
Early case evaluation and disciplined budgeting
Data-informed litigation strategy
Trial-experienced defense counsel
Governed by the institutions we insure. Our structure, where qualified members hold a capital investment in the company, supports:
Founded exclusively for education, UE has received an A (Excellent) financial strength rating from AM Best every year since 1998. UE is among Ward’s 50® top-performing insurance companies.
