Bethesda, MD, April 17, 2017— United Educators Insurance (UE), a Reciprocal Risk Retention Group (RRG) celebrating its 30th anniversary this year, is expanding its seamless coverage endorsement to outline protection for liability associated with police and security professionals employed by schools, colleges, and universities.
The seamless coverage benefit, available to educational institutions that carry both a general liability (GL) and educators legal liability (ELL) policy with UE, provides coordination of coverage for claims that trigger both policies. Beginning on April 1, 2017, upon policy issuance, the seamless coverage endorsement provided to all qualifying members will address these protections for actions of police or security staff:
- Wrongful acts
- Allegations of unreasonable/excessive use of force
- Violation of property rights
- Allegations of discrimination
- Use of mace or pepper spray
- Defense costs for allegation of dishonest and fraudulent acts
The coverage addressed through the seamless coverage endorsement related to police professionals does not require underwriting and does not come with specific premium charges. It provides insurance up to the GL limit of liability; limits are currently available up to $40 million.
“Some unfortunate incidents arising from unrest on campus brought this exposure to light for UE and our members,” said Bryan Elie, vice president of underwriting. “True to our mission, we continue to evolve our coverage to meet the needs of the educational institutions we insure.”
Currently, nearly 1,300 schools, colleges, and universities rely on UE for liability insurance and risk management services. In addition to expanded coverage for police and security professionals, UE also recently augmented its general liability coverage to expand coverage for drone use on campus.
For more information, visit www.UE.org/coverage/.