Under federal labor law, officers and directors of labor unions can be exposed to personal liability but must defend themselves, in certain circumstances, at their own expense. We have customized insurance coverage that allows them to confidently perform their jobs without worrying about personal exposure. Our Union Liability insurance policy covers the duty of fair representation, employment practices liability, financial management of the union and personal injury liability. 

Our Individual Labor Leader endorsement for the Union Liability insurance policy provides defense cost protection to safeguard the personal assets of union officials when unions are prevented from indemnifying them.  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 utilize their job and safety training in the workforce.

With Ullico Casualty’s Union Liability insurance, you do not pick an attorney from a predetermined list of lawyers who may not keep your best interests in mind.  You may choose your own defense counsel, someone you can trust and who knows you and your union.  In addition, “duty to defend” coverage is available in which Ullico Casualty, as your insurer, will have the right and duty to provide defense coverage for any claim.

Products are available on State National Insurance Company (A.M. Best, A, VIII) and Ullico Casualty Company (A.M. Best, B, VII) paper.  All ratings as of 3/1/2012.

For further information about our Union Liability program, please contact Jose Gonzalez or Tina Fletcher, Senior Underwriters of Professional Liability, or view more contacts on our Union Liability contacts page.