UMAL is a specialist. We provide cover exclusively for Universities and Further Education Colleges and Institutions.


As the UK’s only dedicated higher and further education specialists Our knowledge and experience gives us a unique understanding of the higher and further education sector and with it, the ability to provide unrivalled cover, advice and risk management services for the benefit of all our Members.

UMAL is a mutual organisation owned and controlled by its Member institutions – all of which have an equal vote in the affairs of the company.

We offer a packaged solution of coverage with categories ranging from material damage and business interruption (including terrorism) to liability covers, including public liability, clinical trials and medical malpractice.

Some of the benefits of using UMAL to procure cover and insurance services include reduced timescales, direct access to underwriters and claims personnel, best value with no hidden charges and surplus profits generated in indemnity years potentially being returned to members rather than being paid to shareholders as they would in the commercial insurance market.


Delivering Knowledge, Value and service to our Members

We provide a wide range of covers to our Members through UMAL.

These include: 

UMAL Corporate Brochure



Paul Cusition
CEO and Director



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