2026 RMPC Risk Mitigation Activities
To track your institution’s progress and access next steps, visit the Risk Management Premium Credit (RMPC) Program tab in the left side navigation in My UE.
About the Program
The Risk Management Premium Credit (RMPC) program focuses on high-risk topics and mitigation gaps identified in United Educators’ (UE’s) claims experience and risk management expertise. Upon selecting a risk topic, members are required to undertake one of the following approaches for risk mitigation:
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Partner
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Train
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Practice
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Review and revise
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Develop and implement
Get Started
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Step One
Review your risk mitigation activity options on this page based on your line(s) of coverage with UE. If you have both general liability (GL) and educators legal liability (ELL) coverages with us, choose one activity from either list below, GL or ELL.
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Step Two
Choose an activity. If you would like to use a UE resource to complete your activity, they are listed under each option in the “Resources” section.
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Step Three
Sign into My UE and visit the RMPC tab to complete the kickoff form, where you'll select your activity and answer a short Top Risks Survey. In this tab, you can also track your progress, view deadlines, and let us know when you've completed the program.
Visit the RMPC Tab in My UE
For renewals beginning May 1, 2024, through April 30, 2025, see 2025 RMPC Risk Mitigation Activities.
Educators Legal Liability (ELL) Topics
Review and revise as necessary your Name, Image, and Likeness (NIL) policy
Resource
Train employees on one of the following:
Conducting investigations for instances of alleged sexual harassment or Title IX violations
Resources
- Online Course: Preventing Sexual Harassment (Higher Ed)
- Checklist: Sexual Harassment Investigations
- Avoiding Defamation Claims Arising Out of Harassment Investigations
- Campus Sexual Harassment: Title IX Training Requirements
Conducting hearings for instances of alleged sexual harassment or Title IX violations
Resource
Their obligations under your Title IX reporting
Your employee/student consensual relationship policy
Resources
- Faculty-Student Consensual Relationship Policies
- Lessons From Claims: Higher Ed Employee-on-Student Sexual Harassment and Assault
- Training Faculty on Sexual Misconduct
Serving as institution-appointed advisors under Title IX
Resource
Serving as informal resolution facilitators under Title IX
Resource
Train students on your Title IX reporting and process (Higher Ed only)
Resource
Practice your institution’s response to allegations of sexual harassment or student sexual misconduct, using a tabletop exercise or workshop
Resources
- Crisis Response: A Library of Tabletop Exercises (see 'Student Crises' scenarios.)
- Review of Student-Perpetrator Sexual Assault Claims With Losses (Higher Ed)
Partner with The Jed Foundation (JED) to implement one of its programs promoting emotional well-being and help prevent substance misuse and suicide on your campus
Resources
- Learn more about partnering with The Jed Foundation
- JED Campus and Campus Fundamentals program details (Higher Ed)
- JED High School program details
Train employees or students on supporting student mental health
Resources
- Online Course: Fostering Student Mental Health (Higher Ed)
- Online Course: Mental Well-Being in College — A Guide (Higher Ed)
- Suicide Prevention Training
Practice your institution’s response to an alleged incident involving a mentally distressed or suicidal student, using a tabletop exercise or workshop
Scenarios
- Crisis Response: A Library of Tabletop Exercises (see the 'Study Abroad Student Health Emergency' and 'Student Suicide' scenarios)
Review (and revise as necessary) your mental health, disability, and accommodations policies and practices for students requesting support or modifications regarding a mental health condition
Resources
- Student Mental Health Resource Collection
- Student Mental Health on Campus: A Review of Claims
- Student Mental Health on Campus: Claims Involving Suicidal Students
- Checklist: Evaluating Your Mental Health Policies
- Creating A Student-Centered Wellness Committee
- Manage Faculty Who Resist Disability Accomodations Requests
- Know Your Support Animals
Develop and implement policies, procedures, or protocols to reduce risks related to student self-harm or suicide
Resources
- Student Mental Health Resource Collection
- Student Mental Health on Campus: Claims Involving Suicidal Students (Higher Ed)
- Creating a Student-Centered Wellness Committee (Higher Ed)
- Suicide Prevention Training (K-12)
- Checklist: Evaluating Your Mental Health Policies (Higher Ed)
- Prevent Campus Suicide Clusters
Train faculty, staff, or students on your Title VI policy and requirements.
Practice your institution’s response to a Title VI-related allegation that creates a campus disturbance via a tabletop exercise or workshop
Resources
- Crisis Response: A Library of Tabletop Exercises (see the ‘Campus Demonstration’ scenario) (Higher Ed)
Review (and revise as necessary) or develop one of the following:
A policy prohibiting discrimination (including harassment) on the basis of race, color, or national origin including shared ancestry under Title VI
Resources
- Campus Speech: A Discussion of Policies, Protests, and Encampments
- Campus Speech and Demonstration Guidelines and Considerations
A free speech policy
Resources
- Campus Speech: A Discussion of Policies, Protests, and Encampments
- Campus Speech and Demonstration Guidelines and Considerations
An events and demonstrations policy that encompasses Title VI issues
Resources
- Addressing Demonstrations on Campus
- Campus Speech and Demonstration Guidelines and Considerations
- Minimize Unrest After Racially Charged Incidents Occur on Campus
Handling complaints related to allegations of harassment creating a hostile environment under Title VI
Resources
- Campus Speech: A Discussion of Policies, Protests, and Encampments
- Campus Speech and Demonstration Guidelines and Considerations
Identifying and responding to hate speech prohibited by Title VI
Resources
- Campus Speech: A Discussion of Policies, Protests, and Encampments
- Campus Speech and Demonstration Guidelines and Considerations
- Institutional Approaches to Hate Speech
A campus response team to address and combat hate speech on grounds prohibited by Title VI
Resources
- Developing a Nondiscriminatory Campus Safety Force
- Campus Speech: A Discussion of Policies, Protests, and Encampments
- Campus Speech and Demonstration Guidelines and Considerations
A task force or audit to assess how hate speech impacts your campus community
Resources
Train employees or supervisors on one or more of the following workplace discrimination and harassment subtopics:
Workplace discrimination and harassment
Resources
- Online Course: Workplace Harassment Prevention — Employee and Supervisor Options (Higher Ed)
- Online Course: Prevent Discrimination and Harassment Together — Employee and Supervisor Options (Higher Ed)
- Online Course: Prevent Discrimination and Harassment Together — Employee and Supervisor Options (K-12)
- Training Supervisors to Prevent Workplace Harassment
- How to Implement Employee Harassment Prevention Training
- Pregnancy and Employment: Know Your Legal Obligations
- Preventing Workplace Race Discrimination
- Avoid Sex-Based Faculty Pay Discrimination
- Lessons Learned From Wrongful Termination Claims in Discrimination Cases
Supervisors: Avoiding and responding to retaliation
Resources
- Online Course: Avoiding Supervisory Pitfalls
- Online Course: Recognizing and Avoiding Retaliatory Behavior
- Guide to Preventing Retaliation on Campus
- Legal Literacy for Supervisors
- Beware Retaliation Against Whistleblowers
Review (and revise as necessary) your institution’s processes and protocols for documenting employee performance
Resources
- Checklist: Assessing Your Employee Performance Evaluation System
- Properly Documenting Employee Disciplinary Actions
- Review Your K-12 School’s Performance Management System (K-12)
Review (and revise as necessary) your investigation and response procedures for allegations of workplace discrimination and harassment
Resources
- Avoid Age Discrimination Lawsuits: Lessons Learned From Claims
- Checklist: Documenting Workplace Harassment — Guidance for Supervisors
- Workplace Harassment in Higher Ed: Checklist — Workplace Anti-Discrimination Policies and Response
General Liability (GL) Topics
Train coaches and athletic staff on one of the following:
Emotional abuse
Resource
- Online Training: Athlete Well-Being – A Guide to Recognizing and Preventing Emotional Abuse (Higher Ed)
Concussions
Resources
- Online Training: Concussion Awareness – Coaches and Athletic Staff (Higher Ed)
- Online Training: Youth Athletics – Concussion Recognition & Response
Heat illness
Resource
Train student athletes on one of the following:
Concussions
Resources
- Online Training: Concussion Awareness – Athletes, Athletics Course Collection (Higher Ed)
- Online Training: Youth Athletics – Concussion Recognition & Response
Heat illness
Resource
Hazing
Resource
Practice your campus’ response to a hazing incident involving athletes via a tabletop exercise or workshop
Resource
- Crisis Response: A Library of Tabletop Exercises (see ‘Hazing’ scenario)
Review (and revise as necessary) your policy on one of the following:
Concussions
Resource
Heat illness
Resources
Athletic injuries and emergency response
Resource
Sexual and/or emotional abuse
Resources
- Coaches Abusing Athletes in K12 Schools: Lessons from Claims (K-12)
- Prevent and Report Athlete Abuse: The Safe Sport Act
Aquatic/Swimming Pool Activities
Resources
- Checklist: Swimming Pool Safety
- Pool Practices for Nonaquatic Athletes
- Preventing Drowning from Underwater Breath-holding
Accommodating Students with Disabilities in Athletics
Resource
Train on one of the following:
Extreme weather crises
Train your crisis response team members on how to prepare, improve, and test your plans.
Resource
Heat illness prevention
Train your coaches and athletic staff on heat illness prevention and response.
Resource
Train your students on heat illness prevention and response.
Resource
Practice your campus’ response to severe weather events that may impact your campus operations via a tabletop exercise or workshop
Resources
- Climate-Related Tabletop Exercise Scenarios (See the following scenarios: 'Flooding,' 'Hurricane,' 'Tornado,' 'Wildfire,' 'Power Failure With Dangerous Weather Conditions.')
- Testing Your Crisis Management Plan
Review (and revise as necessary) or develop and implement one of the following:
Extreme weather crises response plan
Resources
- Catastrophic Weather Events
- Assess Climate Impact on Campus
- Severe Weather Events: Mitigate Impact on Employees
- Guide to Creating and Improving a Campus Crisis Communications Plan
- Emergency Operations Plans for K-12 Schools and Institutions of Higher Education, Federal Emergency Management Agency (FEMA)
- Guides For Developing Emergency Operations Plans, Readiness and Emergency Management for Schools (REMS)
Heat illness prevention and response plan
Resources
- Reduce Heat Illness in Athletes
- Reminders: Heat Illness in Sports
- Athletics Injuries: Understand Rhabdomyolysis
Snow and ice removal plan
Resource
Wind injuries prevention plan
Resource
*Refers to contracts involving third-party vendors, service providers, sports and entertainment, and facility use. Doesn't refer to complex transactions or specialized areas of law, such as construction, real estate, software licenses, technology transfers, finance and investment, or employment issues/contracts.
Train contract signors on your contracting policy, model indemnity language, and the significance of indemnification provisions.
Resources
- Online Course: Contracting Fundamentals
- Improving Contracting on Campus: Allocating Risks Between Parties
- Avoid Unfavorable Indemnity Provisions in Institution Contracts
- Checklist: A Guide for Reviewing Contracts
- Improving Contracting on Campus: A Layperson’s Guide to Understanding Contract Basics
Review and revise or develop and implement one or more of the following:
Contracting policy and procedures
Resources
- Contract Playbook: A Guide to Contracting on Your Campus
- Contract Negotiation Reminders
- Improving Contracting on Campus: Allocating Risks Between Parties
- Improving Contracting on Campus: A Layperson's Guide to Understanding Contract Basics
- Checklist: A Guide for Reviewing Contracts
A contract review checklist
Resource
A template for preferred indemnification clauses
Resources
- Avoid Unfavorable Indemnity Provisions in Institution Contracts
- Improving Contracting on Campus: Allocating Risks Between Parties
Review and revise or develop and implement a centralized document storage and monitoring system to keep track of contract and insurance documents.
Review and revise contracts involving third parties/vendors for appropriate and consistent risk transfer terms and provisions, including insurance requirements and indemnification
Resources
Train students on one or more of the following:
Hazing, bullying, or cyberbullying prevention policies or tactics
Resources
- Online Course: Recognize and Prevent Hazing (Higher Ed)
- Online Course: Stand Up Against Bullying: Recognize and Respond (K-12)
Bystander intervention
Resource
- Online Course: Intervene (Higher Ed)
Train teachers/faculty, activity advisors, or coaches on hazing or bullying prevention
Resources
- Online Course: Athlete Well-Being – A Guide to Recognizing and Preventing Emotional Abuse (Higher Ed)
- Hazing Prevention: What Campus Employees Should Know
- Combating Cyberbullying and Sexting
- Combating Cyber Harassment
- Online Course: Stand Up Against Bullying – Recognize and Respond (K-12)
Practice your institution’s response to an alleged incident involving hazing or bullying, using a tabletop exercise or workshop
Resources
- Crisis Response: A Library of Tabletop Exercises (see the 'Hazing' scenario)
Review and revise or develop and implement one or more of the following:
A. Hazing or bullying prevention policy and procedures
B. Hazing or bullying prevention and response committee
C. Hazing or bullying reporting tools and training
D. Prevention strategies and tactics related to hazing or bullying
Resources
Partner with one of the following:
Learning Courage (K-12) or Grand River Solutions (Higher Ed) and conduct their sexual misconduct risk assessment
Resources
- Partnering With Learning Courage for the Risk Management Premium Credit
- Partnering With Grand River Solutions for the Risk Management Premium Credit
- Learning Courage Membership Details
Train employees on protecting minors from sexual abuse, using one or more of the following:
Protecting minors from sexual abuse
- Online Course: Identifying and Reporting Sexual Misconduct (Higher Ed | K-12)
- Online Course: Hiring Staff Who Work With Minors (Higher Ed | K-12)
- Online Course: Boundary Training for Educators (Higher Ed | K-12)
- Online Course: Shine a Light Video (Higher Ed | K-12)
- Guideposts for Teachers to Maintain Healthy Relationships With Students
Bystander intervention
Train college and university students to protect themselves and peers from sexual misconduct, using one or more of the following: (Higher Ed)
Sexual misconduct prevention
- Online Course: Healthy Relationships
- Online Course: Impressions
- Online Course: Lasting Choices — Preventing Sexual Assault
Bystander intervention
Alcohol misuse prevention
- Online Course: Alcohol — Know Your Limit
- Online Course: Strategies for Reducing Alcohol-Related Harm
Train students to identify, prevent, and report sexual misconduct, including adult-on-minor or minor-on-minor misconduct (K-12)
Resource
Practice your institution’s response to an alleged sexual abuse of a minor or college student on your campus, using a tabletop exercise or workshop
Resources
- Crisis Response: A Library of Tabletop Exercises (see the following scenarios 'College Student Sexual Misconduct and Bullying,' 'Study Abroad Sexual Assault,' 'Minor Student Sexual Misconduct')
Review and revise or develop and implement policies and procedures on youth protection
Resources
- Protecting Minors on College Campuses: A Series of Checklists (Higher Ed)
- Checklist for Senior Administrators: Improving Sexual Abuse Prevention and Response Efforts (Higher Ed)
- Educator Sexual Misconduct at Independent Schools: Insights From UE Claims (K-12)
- Checklist Series: Protecting Children From Educator Sexual Misconduct (K-12)
- Checklist: Improving Sexual Abuse Prevention and Response Efforts (K-12)
- Background Check Fundamentals
Review and revise or develop and implement an investigation and response checklist for suspected incidences of sexual abuse of minors
Resources
Train employees on common causes of accidents/falls
Resources
Practice identifying and remedying campus areas with high risk for falls and other physical injuries
Resources on Slips and Falls
- Help Prevent and Respond to Slips and Falls: Lessons From Claims
- Checklist: Indoor Floor Safety
- Campus Parking Lots: Common But Risky Locations
- Rooftops and Other Dangerous Places
- Checklist: Safety at Commencement and Other Special Events
- Clear and Maintain Campus Sidewalks
- Snow and Ice Prevention and Removal
- Checklist: Facilities Use Policy and Practices Review
Resources on Recreation and Athletics Injuries
- Fitness Center Safety and Supervision (Higher Ed)
- Checklist: Facilities Use Policy and Practices Review
Review and revise or develop and implement a process for faculty, staff, and students to report problems/hazards
Resources
- Help Prevent and Respond to Slips and Falls: Lessons From Claims
- Checklist: Investigating Accidents Causing Personal Injury
- Clear and Maintain Campus Sidewalks
Review and revise or develop and implement post-incident investigation protocols for slip and falls or other accidents that cause an injury
Resources
Partner with The Jed Foundation (JED) to implement one of its programs promoting emotional well-being and help prevent substance misuse and suicide on your campus
Resources
- Learn more about partnering with The Jed Foundation
- JED Campus and Campus Fundamentals program details (Higher Ed)
- JED High School program details
Train employees or students on supporting student mental health
Resources
- Online Course: Fostering Student Mental Health (Higher Ed)
- Online Course: Mental Well-Being in College — A Guide (Higher Ed)
- Suicide Prevention Training
Practice your institution’s response to an alleged incident involving a mentally distressed or suicidal student, using a tabletop exercise or workshop
Resources
- Crisis Response: A Library of Tabletop Exercises (see the 'Study Abroad Student Health Emergency' and 'Student Suicide' scenarios)
Review (and revise as necessary) your mental health, disability, and accommodations policies and practices for students requesting support or modifications regarding a mental health condition
Resources
- Student Mental Health Resource Collection
- Student Mental Health on Campus: A Review of Claims
- Student Mental Health on Campus: Claims Involving Suicidal Students
- Checklist: Evaluating Your Mental Health Policies
- Creating a Student-Centered Wellness Committee
- Manage Faculty Who Resist Disability Accomodations Requests
- Know Your Support Animals
Develop and implement policies, procedures, or protocols to reduce risks related to student self-harm or suicide
Resources
- Student Mental Health Resource Collection
- Student Mental Health on Campus: Claims Involving Suicidal Students (Higher Ed)
- Creating a Student-Centered Wellness Committee (Higher Ed)
- Suicide Prevention Training (K-12)
- Checklist: Evaluating Your Mental Health Policies (Higher Ed)
- Prevent Campus Suicide Clusters (Higher Ed)
Train on one or more of the following:
Students, faculty, and staff who drive institution-owned vehicles
Resources
- Online Course: Driver Safety Fundamentals
- Online Course: Defensive Driving Strategies: Get There Safely
Drivers of institution-owned passenger vans
Resources
Drivers of institution-owned golf carts and/or utility vehicles
Resource
School bus drivers
Resource
Practice your institution’s response to a vehicle crash with significant injuries or deaths, using a tabletop exercise or workshop
Resources
- Crisis Response: A Library of Tabletop Exercises (see the 'Study Abroad Bus Accident' and 'Bus Accident' scenarios:)
- Effectively Implement Traffic Accident Review Boards
- Manage Risks of Operating Vehicles Abroad
- College-Owned Vehicles: Lessons From Claims
Review and revise or develop one of the following:
Transportation policy
Resources
- Checklist: Safety in Student and Employee Transportation
- 15-Passenger Van Safety Considerations
- Golf Carts on Campus
- Create Electric Scooter Policies
Motor Vehicles Record (MVR) check policy and practices
Resource
Review and revise or develop and implement a process for vetting third-party transportation providers, and developing (or reviewing and revising as necessary) contract language/templates to use for appropriate and consistent indemnification and risk transfer
Resources
Want some help with your RMPC project? Curious to know what other schools are doing, looking for general advice or data? Send your questions to risk@ue.org and a risk management consultant will reach out.
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