Union Liability Insurance

Union liability insurance is coverage for risks that unions and their leaders face in running a union organization. It provides coverage for union liability exposures that include:

  • The fair representation of union members
  • Union elections
  • Denial of union membership
  • The recruitment of union members
  • Disciplining or expulsion of any union members
  • Processing of union members' grievances 
  • Financial management of the union

The policy reimburses the fees and expenses of your lawyer and any settlements or damages, including investigation and appeal costs and prejudgment and post-judgment interest. Other policy features include spousal liability, including domestic partnerships and civil unions and coverage for claim expenses as a result of suits seeking non-monetary relief. In today's litigious "right-to-work" and suit-heavy climate, union liability insurance is an essential investment.

Who Is Covered


The coverage is broadly provided for past, present and future directors, trustees, officers, employees, board and committee members, shop stewards and business agents. Coverage also applies for the union and other designated additional Insureds or organizations. The policy is available for international and national labor organizations, regional, state and local labor organizations and joint apprenticeship training committees.

What is Covered



Fair Representation

As a labor leader, you have a duty as a bargaining agent to fairly represent the interests of all bargaining unit members. Your members can file a charge with the EEOC, NLRB or ultimately file a lawsuit challenging whether you fairly represented their interests during the negotiation, administration and enforcement of collective bargaining agreements. Union liability coverage provides a defense to the union and its leaders for duty of fair representation claims and payment of settlements and judgments. Union liability coverage provides you with security and peace of mind.

Financial Management of the Union

Union leaders are more than just bargaining agents. They also have the fiduciary responsibility to properly manage and protect the financial assets of their union organization. A union liability policy will protect against claims that you have mishandled union assets.

Personal Injury Coverage

Personal injury coverage covers claims relating to: false arrest, wrongful detention or imprisonment, or malicious prosecution libel, slander, or defamation of character, wrongful entry or eviction or other invasion of the right to private occupancy, infringement of copyright or trademark or unauthorized use of title plagiarism or misappropriation of ideas.