In my last post ("Penn State/PMA Coverage Battle Heats Up"), I discussed various General Liability (GL) coverage issues that have arisen in the battle that Penn State is waging with insurer PMA over liability insurance for the first lawsuit (John Doe A) in the Jerry Sandusky sexual-abuse case. Other arguments undoubtedly will arise as more suits are filed by other alleged victims.
While the university has purchased its GL insurance from PMA continuously since the 1950s, its Educators Legal Liability (ELL) coverage reportedly is written by United Educators. The ELL policy is similar to a Directors & Officers (D&O) policy but addresses exposures unique to educators and educational institutions. According to its marketing materials, United Educators is a non-assessable reciprocal association owned and governed by 1,200 independent schools, public school districts, public school pools, colleges, universities and education associations. The company bills itself as "Education's Own" insurer.
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