Special Reports on Risks and Losses

Top Risks Reports

Each year, United Educators (UE) members share their view of the pressing risks in the Top Risk Survey. This year’s survey results reveal the self-reported top risks across our membership and changes over the past few years. Members also commented on the impact of employee retention and hiring on their ability to manage risk. Use these UE member exclusive reports — broken out by higher education and independent and charter K-12 schools — to compare your institution’s risks against similar UE members.

Insights for K-12 Schools

Insights for Higher Education

Large Loss Report 2025

The Large Loss Report 2025 summarizes 54 publicly reported major damage awards and settlements that affected K-12 schools, colleges and universities in 2024. This year the report only includes cases costing $2.5 million and more.

Social inflation, the increased cost of litigation above general economic inflation, has dramatically increased the cost of claims. In the past six years there has been a dramatic escalation in the number and magnitude of large losses at higher ed and K-12 schools.

Report

Critical Risk Areas Reports

This special report examines critical liability risk areas drawn from UE’s claims and risk management experience, broken out by K-12 schools and higher education. Resource constraints force K-12 schools, colleges, and universities to prioritize their most critical risks when developing a risk management strategy. Use these exclusive reports for UE members to evaluate vulnerabilities and dedicate resources to risk areas of critical concern.

Insights for K-12 Schools (login required)

Insights for Higher Education (login required)