General Liability Coverage
United Educators’ (UE’s) general liability (GL) coverage protects against a range of potential claims including alcohol abuse, campus crime, sexual misconduct (if institutions qualify), and traumatic brain injuries (if institutions qualify).
UE offers limits of:
- $1 million/$3 million aggregate primary coverage per occurrence
- Limits of up to $30 million available under excess policy (exceptions apply)
All limits subject to underwriting review
What Is Covered
UE ’s GL policy typically covers institutions against liability arising out of bodily injury, personal injury, and third-party
property damage occurring because of accidents or negligent acts attributable to an insured.
Coverage may apply to:
- Allied health professionals and counselors in campus infirmaries
- Armed and unarmed security guards
- Athletics
- Excess auto liability
- Foreign travel
Who Is Covered
The policy typically provides coverage for:
- Educational institutions
- Trustees and officers
- Directors
- Faculty
- Employees
Types of Coverage
Primary General Liability (CGL) — Broad primary general liability coverage with a $1 million limit of liability that applies to each occurrence and a $3 million annual aggregate limit
Excess General Liability (GLX) — Excess general liability coverage up to $30 million per occurrence
Buffer Excess Liability (BLX) — Alternative to a traditional CGL policy that includes many of the same coverages, but with a self-insured retention and excess auto liability at a lower attachment point than the GLX
All limits subject to underwriting review
FAQs
GL Coverage: Protecting Education
Learn more about the benefits of our GL coverage for your institution.
