Our role is to serve our Members and provide the service they require, and with this in mind, the cover we offer is widely recognised to be the widest available to the Higher and Further Education sector. We are not bound by corporate underwriting guidelines.

Sections of cover

We provide a wide range of covers to our Members through UMAL. These include:

  • Property and business interruption

  • Theft

  • Money

  • Computer breakdown

  • Theft by employee

  • Terrorism

  • Contractors ‘all risks’

  • Public and products liability

  • Employers’ liability

  • Professional indemnity

  • Medical malpractice

  • Clinical trials

  • Governors’, Directors’ and Officers’ liability

  • Travel

  • Group personal accident

Limits available for main heads of cover
Property - £400m per Member, per loss
Terrorism - £225m per Member, per loss
Public and products liability - £100m per Member
Employers' liability - £50m per Member
Professional indemnity - £20m per Member
Clinical trials - £30m per trial
Governors', Directors' and Officers' liability - £10m