What We Do
Universities and research institutions play a pivotal role in communities, advancing innovation and offering essential services to their stakeholders. Ensuring the financial stability of these institutions is key to maintaining their service delivery. Thus, it is essential to have the appropriate protection to mitigate uncertainty and manage potential losses effectively.
Risk Protection
Unimutual delivers a comprehensive range of protections specifically designed for the higher education and research sectors, addressing the unique risks faced by our Members. Our team is committed to providing customised coverage solutions, expert advice, and ongoing support to ensure that Members are well-equipped to manage their protection needs effectively and confidently.
Risk Management
Unimutual offers targeted risk management training programs and consulting services specifically designed for the higher education sector, aimed at enhancing staff skills in managing risks associated with teaching, learning, research, and operations. These services include a range of training seminars and risk consulting options, such as risk program reviews, business interruption modelling, and mentoring for newly appointed staff, all focused on improving risk management practices and outcomes for our Members.
Claims Services
Unimutual provides comprehensive claims services tailored to the unique needs of the higher education and research sectors, ensuring that Members receive prompt and effective support during the claims process. Our claims team is dedicated to guiding Members through each step, offering expert advice and assistance to facilitate timely resolution of claims, while also focusing on risk mitigation strategies to prevent future incidents.
Member Services
Unimutual provides a variety of Member services tailored to the needs of the higher education and research sectors, promoting collaboration and enhancing the overall Member experience. Our dedicated team offers tailored assistance, resources, and training programs, along with opportunities for collaboration, ensuring that Members can effectively address their unique challenges and fully leverage their membership benefits.
What we offer
Covers the material loss of assets such as buildings, research materials, plant, machinery, stock and merchandise, and personal property, and also extends to claims for protection for loss of revenue, increased cost of working, loss of rental income, and additional expenses resulting from interruption or interference to the business.
Covers legal liabilities to pay damages as a result of claims arising out of any negligent act, error or omission in relation to the Member’s professional business.
Covers liabilities arising from personal injury (including death), other injury and property damage caused by a protected event during the protection period.
Covers legal liabilities to pay damages as a result of claims made for bodily injury (including death) arising out of any negligent act, error or omission in relation to the provision of medical and/or veterinary services.
Covers liabilities for damages or compensation and claimants’ costs and expenses for bodily injury to any research subject arising from an occurrence in respect of any clinical trial undertaken.ntent
While the property and liability protection covers will respond to pollution caused by a sudden release, environmental liability cover responds to losses arising from gradual release over an extended period, including resultant claims, remediation and legal defence costs.
Losses solely and directly caused by an active assailant event occurring during the protection period and within the geographical limits, as stated within the schedule, including public relations consultancy costs, relocation expenses, counselling and/or psychiatric expenses, and medical expenses.
Cyber Covers claims arising out of an actual or alleged breach of personal and corporate information held by the Member, including claims arising where the data has been passed to an outsourced provider.
Covers the material loss of assets for damage caused by an act of terrorism, including consequential loss. It also covers legal liabilities arising from an act of terrorism.
Unimutual also arranges management liability insurance, including directors and officers liability insurance, which is underwritten and issued by a commercial insurer.
Specialist cover that offers the protection necessary for the unique risks associated with art collections, including paintings and rare books.
If an Epidemic Outbreak Trigger Event takes place, this Protection will cover and indemnify the Member against the Indemnity Basis of the Business Protected, during the Indemnity Period, established to be solely caused by a covered Epidemic Outbreak in the Covered Area.
Membership
Our Members consist of like-minded universities, research institutes, and organisations aligned with the higher education sector, all of which are committed to taking a proactive approach to risk management. By collaborating and sharing best practices, they foster a culture of continuous improvement and innovation, enhancing the overall resilience of the sector.
