Union Liability Insurance

Allow your union leaders to confidently perform their jobs without worrying about personal exposure.

Duty of Fair Representation:

Defense coverage for the Union and its Leaders for Duty of Fair Representation Claims and payment of Settlements and Judgements.

“A Union Member is terminated by his Employer following a Drug-related criminal arrest. After the criminal charges are dropped and the member’s criminal record is expunged, the Union Member’s Employer fails to reinstate him to his prior position. The member requests that his Union file a Wrongful Termination grievance against his employer. The Union inadvertently misses a deadline during the grievance process, which causes the grievance to be dismissed. The Union Member, in turn, files a lawsuit against the Union claiming breach of Duty of Fair Representation and seeks damages, including Lost Wages and Front Pay. The court finds the Union liable for Breach of it’s Duty of Fair Representation and awards over $300,000 in damages caused by the Union negligence.”

Employment Practices Liability:

Wrongful Termination of Employment, Harassment, Discrimination, Wrongful Failure to Employ/Promote, Employment-related libel/slander/humiliation/defamation/invasion of privacy.

“A female Union employee alleges that she is subjected to a hostile work environment when her male co-workers display professionally inappropriate picture around the office. Her supervisor fails to address the situation after repeated offenses. As a result, the employee files a lawsuit against her Union employer for Sexual Harassment, sexual discrimination and a hostile work environment. The lawsuit settles before trial for over $300,000, and the Union’s Attorney’s fees exceed $100,000.”

Financial Management:

Protection against claims for mishandling Union Assets
“Union Leaders are responsible for properly managing and protecting the financial assets of their Union Organizations and face liability for the mishandling of these Assets. When a union is accused of inappropriately managing Member’s dues, the Union can face lawsuits from its member and possible Bankruptcy. If a lawsuit is filed, the Union is Responsible for paying the defense costs and any settlement charges.”

Personal Injury Coverage:

False Arrest, Malicious Prosecution, Defamation of Character, Infringement of Copyright or Trademark, Plagiarism.
“A Union Officer files a lawsuit against his Union Employer alleging that he was forced to leave his job and that his reputation suffered irreparable harm as a result of defamatory statements about him in a Union publication. The lawsuit alleges defamation, libel and slander charges against the Union. The parties settled the lawsuit for $500,000. The additional cost of defending the Union is close to $400,000.

Individual Labor Leader:

Title V of the Landrum Griffin Act says that it is against public policy to relieve Union Officers of Liability for certain breaches of duty, such as personal profit, fraud or conflict of interest. Thus, Labor Leaders can be personally responsible for all defense costs until proven innocent, so Ullico Casualty Group’s ILL endorsement pays defense costs for these allegations