Delivering value, knowledge and service to our members. UMAL is a mutual organisation owned and controlled by our Member institutions – all of which have an equal vote in the affairs of the company. We operate for the benefit of Higher Education and Further Education institutions across the UK and with a 25 years profitable track record, combine an unprecedented depth and breadth of sector-specific expertise with the ability to deliver bespoke cover at the competitive pricing. Unlike commercial insurers, who have external shareholders and capital costs to consider, we either return funds not paid out in claims to our members or retain them as reserves on behalf of our members.