United Educators (UE), a Reciprocal Risk Retention Group, is a licensed insurance company owned and governed by nearly 1,600 schools, colleges, universities, and related organizations. UE provides prevention and protection to member organizations ranging from independent and public K-12 schools to multicampus public universities. Members have full access to EduRisk resources including multi-media learning programs, risk research bulletins, blogs, and consulting services. UE was created in 1987 to be education's own insurance company"_ on the recommendation of a national task force organized by the National Association of College and University Business Officers. Our mandate is to provide a long-term, stable alternative to the cyclical unavailability and erratic pricing of commercial liability insurance. We understand the unique nature of education and are committed to reducing the overall cost of risk for our policyholders. UE members benefit from tailored coverages as well as value-added, education-specific services in claims and risk management. United Educators is rated A (excellent) by AM Best. In 2015 - 2013, United Educators was named to the WardÍs 50 group of top performing companies, making it one of the top 2% of property-casualty companies in the nation."