Union leaders perform a valuable mission to improve the lives of working men and women, but this difficult job carries high personal risk. Union leaders face professional liability lawsuits brought by members, employees and regulatory agencies. If accused of dishonesty or personal wrongdoing, a union leader may be personally responsible for all of his or her legal defense costs until proven innocent.

Are you at risk?  

Please review common risk exposures of unions and their leaders in our new Union Liability Claim Scenarios flyer, which highlights ten claims examples, to see if you are susceptible to a similar situation.  In each scenario, Ullico Casualty Group Inc. (“Ullico Casualty”) protects the assets of our policyholders.

Ullico Casualty, as the risk solutions provider for the union workplace, understands the risk involved in running a union organization. We offer a customized policy designed to cover the defense, damages, judgment and settlement costs for claims specifically relating to the management of a union. Our Union Liability insurance policy provides broad coverage for the four basic exposures unions and their leaders face, which are: employment practices liability, duty of fair representation, personal injury and financial management of the union.

An important feature of the Union Liability policy, our Individual Labor Leader (“ILL”) endorsement, provides defense cost protection to safeguard the personal assets of union officials when unions are prevented from indemnifying them from intentional acts such as personal profit, fraud or conflict of interest.  

Our Joint Apprenticeship Training Committee (“JATC”) endorsement provides additional coverage specifically for JATCs called educator’s liability, which covers the risk that JATCs face when their graduates, students and apprentices utilize their job and safety training in the workforce.

We encourage union leaders to review Union Liability insurance with their insurance representatives.  For a full description of Union Liability insurance, please refer to Ullico Casualty’s Union Liability - Leadership Protection brochure or visit www.ullico.com/casualty.

Ullico Casualty Group Inc. is an affiliate of Ullico Casualty Company and both companies are subsidiaries of Ullico Inc., the holding company. Ullico Casualty Group Inc.: In CA, Ullico Insurance Agency Inc. Lic# 0E16939; in NY, Ullico Casualty Agency. Products may not be available in all states. This document is descriptive only and does not constitute a part of, or endorsement to, the policies. Whether and to what extent a particular loss is covered depends on the facts and circumstances of the loss and the terms and conditions of the policies as issued. No warranties or representations of any kind are made to any party except as provided in the issued policies.