What Types of Insurance Coverage Does Ullico Provide for Unions and Their Members?

Ullico provides insurance coverage built around three groups: unions themselves, union leaders, and union members, plus multiemployer and public benefit funds. Its site lists commercial liability, professional liability, cyber liability, medical stop loss, and construction risk among its coverage areas, along with protection for union leaders accused of dishonesty or wrongdoing. The exact terms, limits, and eligibility for each policy are not published on the page, so specific coverage questions need to go through Ullico directly.

Who the coverage is designed for

Ullico describes its insurance as "designed to protect unions, their leaders and members, as well as multiemployer and public benefit funds." That gives you four distinct buyer types to check against:

• Unions as organizations — coverage for the union entity itself.
• Union leaders — personal protection tied to their role, including the dishonesty/wrongdoing defense coverage noted below.
• Union members — protection for members and their families.
• Multiemployer and public benefit funds — plans and funds that serve union and public employees.

If you are a union officer, a fund trustee, or a member comparing options, the relevant product line depends on which of these four you sit in.

Coverage areas listed on the site

The site organizes its insurance offering under several named topics. These are the categories to ask about when you contact Ullico:

The site also states that Ullico offers "risk solutions for union leaders" and "cost containment for health and welfare funds," which points to plan-level services alongside the policies themselves.

Protection for union leaders facing allegations

One item stands out because it addresses a specific exposure rather than a general line: insurance protection for union leaders who are accused of dishonesty or wrongdoing. For a union officer, this is the coverage to ask about first if your concern is personal exposure from fiduciary or conduct allegations. The page names the protection but does not publish limits, exclusions, or whether defense costs are included, so confirm those points in writing before relying on it.

How to confirm what applies to you

The site does not list premiums, deductibles, policy limits, or an online quote flow. To get from "coverage area" to "actual policy," use these steps:

1. Identify your role — union entity, leader, member, or benefit fund — because the product lines differ by buyer.
2. Match it to a listed area — for example, a fund worried about large health claims should ask about medical stop loss; a union concerned about a data breach should ask about cyber liability.
3. Contact Ullico through its "Get in Touch" channel and ask for the specific policy form, eligibility rules, and limits for your situation.
4. Ask about claims handling — Ullico maintains a Claims Center staffed to answer questions and adjudicate claims; confirm which policies route through it and what documentation they require.
5. Verify current details — the site notes a headquarters relocation to Bethesda, Maryland, beginning August 3, 2026, so confirm the correct contact and mailing details for your timeframe.

What the site does not answer

Several things a buyer would normally want are absent from the page: pricing, coverage limits, exclusions, state availability, and application requirements. Treat any figure you see elsewhere as unverified until Ullico confirms it for your specific policy. The practical next step is a direct conversation with Ullico's representatives, armed with your role and the coverage area you need.