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
$30 Million
Limits available with UE excess policy
Five Reasons to Choose UE
We serve public and private institutions of all types ranging from small K-12 schools to large, multi-campus universities.
We have a longstanding commitment to offering market-leading capacity with up to $30 million in limits.
We remain committed to providing coverage for complex risks other insurance carriers limit or avoid, such as traumatic brain injury and sexual misconduct.
We understand that a thoughtful, compassionate response balanced with a rational approach to legal matters leads to a better result for all involved.
Our staff of claims professionals, together with select outside defense counsel, give the individual attention each claim deserves.
Our ProResponse® program helps members mitigate risk with media relations, trauma and grief counseling, sexual misconduct investigation, and threat assessment consultation services in the event of crisis.
Members benefit from our pre-claim advice credit, which reduces their self-insured retention when they seek early advice from UE-selected counsel for an incident that later becomes a claim.
UE has maintained an AM Best rating of “A” (excellent) every year since 1998.
We are ranked on Ward’s 50 list of top performing insurance companies for 2024.
Our high customer satisfaction contributes to a 97% 10-year average retention rate.
We exclusively serve education, setting premiums no greater than necessary to keep pace with the cost of claims.
With insights from member, broker and legal advisory groups, we focus on sustainability and innovation to meet evolving member needs.
Our board members are elected from UE’s member institutions and their boards.
Education-specific online courses, publications and webinars are included with eligible policies at no additional cost.
Risk management consultants are available to speak about specific risk mitigation on campus, at no charge.
