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Education ensures your students’ future.We insure yours.

United Educators in BriefFounded in 1987 as a risk retention group, UnitedEducators (UE) is owned and governed by theeducational institutions it insures. We addressour members’ unique risks through thoughtfulunderwriting that results in tailored coverage. Claimsare handled by a mission-driven team that applies aCool Head, Warm Heart philosophy to legal matters.Our attorneys and claims analysts give individualattention to each claim, recognizing the importanceof balancing the claimant’s personal and emotionalneeds with the institution’s financial needs.As partners to our members, we are committedto providing a stable alternative to the cyclicalfluctuations in the commercial insurance market.Premium stability is a core part of UE’s mission, andwe continue to deliver on that promise. Our liabilitycoverage has evolved through three decades ofexperience working with educational institutions.United EducatorsThrough EduRisk , members have access to acomprehensive suite of resources including riskmanagement advice, interactive learning programs,publications, and online resources that address timelytopics such as athletic injuries, sexual assault, andworkplace issues. By engaging students, faculty, andstaff in risk mitigation, institutions increase awarenessof important safety issues and reduce claims.Financial StrengthA.M. Best Rating A (Excellent)

We Secure the Future of EducationFor more than 30 years, United Educators (UE) has protected educational institutions with our broad liability coverage,education-specific risk management resources, and mission-driven claims handling. Our members include K-12 schoolsand higher ed institutions of all sizes in all 50 states. As a testament to the value they derive from being with UE, membersrenew with us year after year, resulting in a 98% 10-year average premium retention rate.This infographic illustrates the depth and breadth of our coverage across all educational sectors.Coverage Across the U.S.Student enrollmentranges from 100 to300,000 at our memberschools, colleges, anduniversities.K-12HIGHEREDUCATIONUE has members in all 50 states, D.C., Guam, and the Virgin IslandsCoverage SnapshotMembers Using UE Risk Management ServicesOver 1,600 Member institutions2.9 Average policy countUE PolicyCount: 2,475per member4.9%98%10-year average premiumretention rateEventsOnlineCourses2%Publications12.9 years Average length ofmembership for all UE membersHigher Ed 1,40025.5%course206,706 online59% Members that have been38.5%with UE for56.5%10 years or more K-12 954Other* 121United Educators69%Gross Written Premiumcompletions from 456 institutions72.5%RiskAdviceRiskManagementPremium CreditOverallin 2018HigherEdparticipants1,067eventfrom258 UE membersK-12Other* 1

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OriginsFinancial StrengthRecognizing a crisis in the liability insurancemarket, Congress passed the Liability RiskRetention Act (LRRA) in 1986. The LRRAallows similar organizations to form a groupto share and retain liability risks, hence thename, Risk Retention Group (RRG). Atabout the same time, a National Associationof College and University Business Officers(NACUBO) task force proposed the formationof an insurance company to solve the problemsof uncertain liability coverage, skyrocketingpremiums, and appropriate liability insurancefor educational institutions. Soon thereafter, 59institutions pooled their resources to create UEto serve higher education and K-12 schools.Since 2001, UE has earned an A (Excellent) A.M.Best Rating. In 2013, UE’s Financial Size Category(FSC) was increased from VIII to IX as a result ofstrength in capital and surplus. A.M. Best attributedthe rating to UE’s “excellent capitalization level,strong underwriting results, high member retentionrates, excellent liquidity, and significant presencein the liability insurance market for educationalinstitutions.”As an RRG dedicated to educationalinstitutions, UE provides members with broadliability insurance coverage, a stable presencein the insurance market, and the identificationof best practices in risk management alongwith the tools to implement them. Today,UE exhibits the financial strength, flexibility,responsiveness, and focus on member needsthat are the hallmarks of a well-run RRG. Forthe past decade, members have shown theirappreciation by relying on UE coverage yearafter year, resulting in an average premiumretention rate of 98 percent.United EducatorsOwnership in UEPolicyholders are considered members of UE andown and govern the organization. Net incomegenerated by UE is allocated on an annual basisto individual member subscriber savings accounts(SSAs). Upon purchasing a policy, a SSA isestablished, allowing the member to build itsownership interest in UE.Each year since 2011, members have received dividenddistributions from their SSAs. These distributions aredependent upon UE’s financial position and operatingresults and are reviewed each year by UE’s governingboard, known as the Subscribers’ Advisory Board.Board members are respected leaders elected fromUE’s membership ranks.Members can use their dividend payment to offsetcosts for various risk management activities, such ashiring an expert to conduct training on campus. 3

Protection Through CoverageUE understands the unique risk profiles of schools, colleges, and universities. Every policy is tailored throughthoughtful underwriting to provide the appropriate coverage for each educational institution. We don’t shy awayfrom risks that other insurance carriers limit or avoid, such as athletics, sexual misconduct, armed security guards,alcohol, tenure, and intellectual property. Our broad range of coverage options includes:For more than 30 years,UE has been committed toproviding coverage for theissues most pressing foreducational institutions.From athletic injuries, suchas concussions, to sexualassault and molestation,we understand thecomplex liability issues forwhich schools, colleges,and universities needprotection.Educators Legal Liability, whichcovers the institution as well as itstrustees, directors, and officers. Ourbroad, wrongful acts coverage protectsagainst a wide range of potential claimsincluding discrimination, employmentpractices, and retaliation.General, Excess, and UmbrellaLiability, which insures the institution,its trustees, directors, officers, faculty,and employees against liability arisingout of bodily injury, personal injury,and third-party property damageoccurring because of wrongful ornegligent acts.Independent School Focus, whichprovides broad liability coverage for dayand boarding schools.Public School (K-12) CombinedExcess Liability, which includesgeneral liability, excess auto liability,and school board legal liability. UEprovides specialty coverage to workwith K-12 school districts and risksharing pools.Internships and Professional ServicesLiability, which covers most studentinternships and experiential learningopportunities.Fiduciary Liability, or ERISA/employee benefits coverage, whichcovers an institution’s liability formanaging and administering itsemployee welfare and benefit plans.United Educators 4

ProResponse UE’s crisis response benefit, ProResponse,provides immediate assistance when institutionsneed expert services to navigate throughdifficult circumstances. Qualifying members areable to access expertise related to: Crisis communicationsTrauma/grief counselingSexual misconduct investigationThreat assessmentSeamless CoverageUE’s seamless coverage coordinates claims formembers with both educators legal liabilityand general liability policies with UE. Policieswith separate insurance carriers often result indisputes as to which policy and carrier shouldrespond to the claim, leaving the policyholder inthe middle.Seamless coverage includes protection forliability associated with police and securityprofessionals.UE’s seamless coverage streamlines the processfor addressing and resolving complex incidentsthat could trigger both policies, such as sexualharassment and associated emotional distress,copyright infringement coupled with advertisinginjury, or disability accommodation paired withslander. In these circumstances, the coordinatedcoverage endorsement provides the coveragebenefits of both policies while applying thelower retention or deductible.United Educators 5

Prevention Through EduRiskTimely TopicsEduRisk offers education-specific resources to helpyou identify and mitigate risks specific to your uniqueenvironment.Our proven resources cover the topics that matter toyou most, such as:Higher Ed Resources Alcohol awareness andprevention Crisis response Data/cyber security Driver safety FERPA HIPAA Protecting minors Sexual assault preventionand response Workplace harassmentpreventionUnited EducatorsK-12 Resources Alcohol awareness andprevention Crisis management Data/cyber security Enterprise riskmanagement (ERM) Protecting minors Respect among peers Short-term internationaltravel Youth athletics“There are so many options outthere for employee training,but we use UE’s because theywere built for higher education.UE offers timely, relevant, andeffective learning programs onimportant issues that are specificto the education environment.” Director of training and staffdevelopment, private research universityRelevant to Education89 percent of users believe UE’slearning programs align with theirinstitution’s priorities and goals. 6

UE’s mission to protect members goes beyond providingeducation-specific insurance. Through EduRisk, membershave access to a comprehensive suite of risk managementresources that address the specific situations at schools andon campus that lead to claims. EduRisk resources are:EDUCATION-SPECIFICEach resource is based on UE claims experience withschools, colleges, and universities. We’ve designedthese tools to help institutions navigate the unique risksassociated with educational institutions—from businessaffairs issues, such as contracting, to student affairs, suchas club events and activities.PRACTICALThe resources offered by EduRisk provide real-worldguidance and expertise, helping you understand how toaddress a potential risk.Each resource provides faculty and staff the guidanceneeded to provide a safe campus environment.Resources may include: Convenient online learning coursesTimely benchmark guidesNewsworthy articlesAction-oriented publicationsExpert-led webinarsUnited EducatorsAccessing EduRisk ResourcesEduRiskSolutions.org is home to the riskmanagement information schools and campusesneed to ensure student safety and to promotea positive work environment. Articles, blogs,checklists, and webinar recordings are readilyavailable when you need them—from behindyour desk or on the go with EduRisk’s mobilefriendly format. And training administratorscan explore learning programs, preview onlinecourses, and obtain assistance with trainingimplementation.Learn.UE.org hosts UE’s robust offering oflearning programs. Separate programs areavailable for higher education and K-12 schools,and many institutions use these online coursesto meet federal or state training requirements onimportant issues such as workplace harassment,sexual assault awareness and prevention, andconcussion management.RISK@UE.ORGUE also offers personalized answersto questions about issues at memberinstitutions. An email to our riskconsultants results in tailored guidance onusing EduRisk to prevent, or work through,a challenging situation. 7