Internships and Professional Services Coverage
An easy-to-use policy with broad coverage for most student internships and experiential learning opportunities.
United Educators' (UE’s) internships and professional services (IPL) policy streamlines the process to obtain appropriate coverage for situations in which students are developing their skills or advancing their education through hands-on experience.
What Is Covered
The IPL policy features include:
- An available $0 deductible
- Defense costs outside the limits of liability
- Full prior acts coverage
Subject to the policy’s terms and conditions, the IPL policy provides claims made coverage for wrongful acts in the performance or failure to perform an internship program or the rendering or failure to render certain professional services. The coverage includes coverage for bodily injury and property damage-related claims.
UE offers limits of:
- Up to $3 million per claim and $6 million annual aggregate
- Up to $30 million for select exposures with UE’s general excess liability product(s)
All limits subject to underwriting review
Who Is Covered
The policy protects the institution and, at the option of the institution, faculty supervisors, certain employees providing professional services in select occupations, volunteers and students, within the scope of their duties or obligations to the institution.
Potential insureds include:
- Students participating in an internship program
- Licensed faculty and employees performing services at a stationary or mobile clinical education facility
- Licensed faculty and employees performing services for the campus community
- Continuing education coverage for licensed faculty and employees maintaining licensure
- Interns, faculty, and staff providing services at an institution-sponsored event for the community