Unions provide important job and safety training to apprentices and continuing education to members with Joint Apprenticeship Training Committees (“JATCs”).  This service can expose JATCs and their leaders to lawsuits alleging workplace discrimination, wrongful dismissal or failure to properly provide education.  As the risk solutions provider for the union workplace, Ullico Casualty Group Inc. (“Ullico Casualty”) has created a special endorsement for our already comprehensive Union Liability policy to provide for the educator’s liability exposure that is unique to JATCs.  If a training center has a Union Liability policy with the JATC endorsement in place, it can serve its members and students, knowing that Ullico Casualty is helping cover its risk exposures.

What does the Union Liability – JATC policy cover?

The Union Liability policy provides limits of liability up to $5 million and covers broad areas of exposures such as employment practices liability, including wrongful dismissal and discrimination, personal injury and financial management of the entity.  Third party discrimination coverage is available, which is important protection for JATCs during their selection of students process in case students or prospective students file charges.  Our JATC endorsement provides additional coverage specifically for training centers, called educator’s liability.

What is educator’s liability?

JATCs have risk exposures when their graduates utilize their job and safety training in the workforce.  If someone files a lawsuit against those graduates, that suit may name the entity which provided the initial training and claim that the JATC failed to properly educate its students.  Educator’s liability provides coverage such as reimbursement of defense costs, damages, judgments and settlements for that exposure.

Is the Union Liability policy appropriate for JATCs?

Yes.  JATCs have similar exposures to unions.  They have operations exposures, which are covered under the wrongful acts definition.  JATCs tend to have employees, which may lead to employment claims, covered under the wrongful employment practices definition.  Personal injury (typically libel, slander or copyright infringement) claims may arise in any business, whether these arise from verbal, written or electronic statements.  The policy provides competitive coverage for both the JATC and its board members.  If the policy is issued directly to a JATC, then Ullico Casualty may simply change the definition of “union” to “entity” on the form.

Click here for a complete list of Frequently Asked Questions regarding JATC coverage.  For a full description of Union Liability insurance coverage, 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.