United Educators

What United Educators does

United Educators (UE) is a private, member-owned Reciprocal Risk Retention Group (RRG) that has provided liability insurance and risk management services exclusively to educational institutions since 1987. Headquartered in Bethesda, Maryland, the company serves K-12 schools (public, independent, and charter), colleges, and universities across 48 U.S. states. UE's member base is long-tenured (average membership of 14.3 years) and highly retained (97% over 10 years), with 93% member satisfaction and an average of 2.9 policies per member. The company has earned an A (Excellent) financial strength rating from AM Best for 27 consecutive years and was named to Ward's 50 top performing insurance companies for 2025 (top 2% of U.S. property-casualty companies).

Name

United Educators

Legal name

United Educators Insurance, a Reciprocal Risk Retention Group

Website

https://ue.org

Company type

Private

Founded year

1987

Operating status

Operating

Headcount range

101–250 employees

Short description

United Educators is a member-owned Reciprocal Risk Retention Group providing liability insurance and risk management services exclusively to K-12 schools, colleges, and universities across 48 U.S. states since 1987.

Ownership category

akta.pro rank

Product category

Education Liability Insurance

NAICS

Educational Support Services (611710)

SIC

Fire, Marine & Casualty Insurance (6331), Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Student AD&D Insurance (School-Sponsored) (FSAIALAG)

akta.pro secondary industries

Legal, Risk Management & Institutional Compliance (EDADAKAK), Compliance, Risk & Audit Support Services (EHS, Title IX/Clery Support, Policy Admin) (EDAEALAK)

Keywords

• Education liability insurance
• Educators legal liability
• School risk management
• K-12 insurance coverage
• Crisis response services

Headquarters

HQ city

Bethesda

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Operations, Personnel, Marketing or Sales, Technology or R&D, Infrastructure, Others

Revenue model

1. Insurance Premiums: United Educators generates revenue through insurance premiums paid by member institutions for liability coverage including Educators Legal Liability (ELL), General Liability (GL), and Internships and Professional Services (IPL) policies. UE is a member-owned reciprocal risk retention group (RRG) that has served the education community since 1987.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels8 records

Core offering

United Educators provides liability insurance and risk management solutions to K-12 schools, colleges, and universities. Core products include Educators Legal Liability (ELL), General Liability (GL), and Internships and Professional Services (IPL) coverage, with limits up to $35 million, distributed exclusively through insurance brokers. UE also offers Public School Liability/School Board Legal Liability, Charter School, and Independent School coverage, alongside risk management services such as the ProResponse crisis program, Risk Management Premium Credit (RMPC) program, online training, and risk advisory consultations.

Product overview

United Educators (UE) is an insurance and risk management company serving K-12 schools, colleges, and universities. Its core insurance product portfolio comprises four main liability coverage lines — Educators Legal Liability (ELL), General Liability (GL), Internships and Professional Services (IPL), and Public School/Charter School coverage — supplemented by add-on endorsements such as Seamless Coverage for hybrid ELL/GL claims. UE complements its insurance with a suite of risk management services including the ProResponse crisis response program, the Risk Management Premium Credit (RMPC) Program for premium discounts, the Learning Portal with online training courses, Risk Advice advisory consultations, and Risk Management Connect virtual demonstrations. Research publications including the annual Top Risks Report and Large Loss Report support member risk assessment. Coverage is distributed exclusively through brokers.

Differentiator

Problem solved

Functional benefit

Products and services

• Educators Legal Liability (ELL) Comprehensive educators legal liability policy covering institutions, trustees, directors, officers, employees, volunteers, and in some circumstances students and interns against claims including educational malpractice, discrimination, employment practices, and failure to educate. Limits up to $35 million subject to underwriting review.
• General Liability (GL) Broad general liability coverage protecting against claims including alcohol abuse, campus crime, sexual misconduct (for qualifying institutions), and traumatic brain injuries. Offers $1 million/$3 million aggregate primary coverage per occurrence with limits up to $35 million under excess policy, subject to underwriting review.
• Internships and Professional Services (IPL) Policy providing broad coverage for most student internships and experiential learning opportunities.
• Independent School Coverage Coverage protecting independent schools of all sizes (day and boarding) from athletic injuries, lab accidents, sexual misconduct, and wrongful termination, with ELL limits up to $35 million and GL primary and excess coverage up to $35 million.
• Public School Liability (PSL) and School Board Legal Liability (SBL) Policies addressing specific concerns of public school districts and boards of education, with capacity up to $10 million and minimum self-insured retention of $25,000. SBL can be offered as a stand-alone policy. UE has over three decades of experience crafting PSL and SBL coverage.
• Charter School Coverage Coverage for charter schools addressing athletic injuries, lab accidents, sexual misconduct, and wrongful termination.
• ProResponse Crisis response supplemental program offering four services: crisis communications, grief counseling, sexual misconduct investigation, and threat assessment. Available to qualifying K-12 and higher education members with GL and ELL coverage, and to public school districts with SBL and PSL coverage.
• Risk Management Premium Credit (RMPC) Program Program enabling eligible members carrying GL or ELL policies to earn a credit toward their renewal premium by completing specific risk mitigation activities. Individual policyholders can earn up to 6% credit; group policyholders up to 4% when 80% of the group completes the program.
• Learning Portal / Online Training Award-winning online training platform providing complimentary courses to UE members covering topics such as sexual assault prevention, concussion management, Title IX compliance, crisis response, workplace harassment, and study abroad. Includes self-hosting options on member LMS and SSO for eligible institutions.
• Risk Advice Service In-house risk management advisory service providing personalized responses based on UE's knowledge of education-sector issues, claims experience, and peer perspectives. Available at no additional cost to members.
• Risk Management Connect Virtual one-on-one demonstration with a UE risk management team member lasting 30-45 minutes, helping members identify and access UE resources addressing their specific challenges.

Quantifiable outcome

• 97% member retention rate over 10 years
• +3 more outcomes

Named customers1 record

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Six partnerships are on record, tiered core.

• PraesidiumcoreStrategic or Co-development PartnerPraesidium is a team of researchers, attorneys, social workers, human resource professionals, and other industry experts dedicated to creating safer environments. Through UE's Risk Management Premium Credit (RMPC) program, members can complete a Praesidium Accreditation to earn a premium credit.
• Aquatic Safety Research Group (ASRG)coreStrategic or Co-development PartnerAquatic Safety Research Group is dedicated to improving aquatic safety through risk management, research, and facility evaluations. Through the RMPC program, members can complete a specialized aquatic safety audit through ASRG to earn a premium credit.
• Grand River SolutionscoreStrategic or Co-development PartnerGrand River Solutions offers a comprehensive range of products and services designed to help institutions advance their equity goals. Through the RMPC program, members can complete a Sexual Misconduct Risk Assessment with Grand River Solutions to earn a premium credit.
• The Jed Foundation (JED)coreStrategic or Co-development PartnerThe Jed Foundation (JED) is a nonprofit organization that protects emotional health and prevents suicide for the nation's teens and young adults. UE members can engage with JED through the RMPC program.
• Learning CouragecoreStrategic or Co-development PartnerLearning Courage is a nonprofit that helps K-12 schools and youth organizations prevent and respond to sexual abuse and misconduct. Through the RMPC program, K-12 members can complete a sexual misconduct risk assessment with Learning Courage to earn a premium credit.
• Black Insurance Industry Collective (BIIC)coreStrategic or Co-development PartnerUE is a founding sponsor of the Black Insurance Industry Collective (BIIC), whose primary goal is to support and accelerate the advancement of Black insurance professionals and increase industry representation of Black managers, leaders, and executives.

Scale indicators9 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• Philadelphia Insurance Companies (PHLY): PHLY is a Tokio Marine-owned specialty carrier with one of the largest education segments in the U.S. market, offering liability and property coverage to K-12 and higher ed — directly competing with UE for the same broker-distributed education accounts.
• New York Schools Insurance Reciprocal (NYSIR): NYSIR is a member-owned reciprocal serving New York State school districts with liability and property coverage. It mirrors UE's RRG structure and education-only focus, making it the closest structural analog in a distinct geography.

Broad incumbents

• Markel Corporation: Markel is a specialty insurer with a meaningful K-12, higher education, and camp practice. It offers a broader product suite than UE, including property and inland marine, making it a frequent competitor on multi-line education accounts.
• Hanover Insurance Group: Hanover operates a specialty education practice serving K-12 and higher education institutions through independent agents. It competes with UE on Educators Legal Liability and General Liability with a broader portfolio including property.
• Chubb: Chubb's Private Risk Services and commercial education practice serve private/independent K-12 schools, colleges, and universities with multi-line coverage. It is a strong incumbent against UE for high-end independent school accounts.
• Liberty Mutual Insurance: Liberty Mutual's commercial lines include education-specific liability and property coverage distributed through brokers and directly. It competes with UE for mid-market higher education and large K-12 district accounts.
• Travelers: Travelers serves K-12 and higher education institutions with management liability, general liability, and property products via independent agents, providing a multi-line alternative to UE's liability-only offering.
• Tokio Marine HCC: Tokio Marine HCC's specialty group includes education and public entity liability lines. As the parent of PHLY, it competes at the holding level with UE across multiple specialty insurance segments serving educational institutions.
• WR Berkley Corporation: WR Berkley operates specialty insurance units serving education, nonprofit, and public entity risks through delegated authority and broker distribution. It is a multi-line competitor pursuing similar institutional accounts.

Regional players

• Schools Insurance Authority: A California-based joint powers authority providing liability and property coverage to public K-12 districts. While geographically limited, it competes directly with UE's Public K-12 PSL/SBL offering in California and shares the mutual-aligned ownership model.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat6 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/united-educators
• Xx.com/UnitedEducators

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about United Educators