You might also want to look at the article on "Insurance for Non-Profits - Are You Covered?". This is written for all non-profits, most being more complex than our basic PTOs. But it has some good info, definititions, links. nonprofit.about.com/careers/nonprofit/li...weekly/aa092700a.htm
You may want to start your search with some objective information from the entity in your state that controls Insurance. In Oregon, that would be the Insurance Division of the Oregon Department of Consumer and Business Services at www.cbs.state.or.us/external/ins/docs/consumer/general.htm
As a government entity, they aren't going to 'recommend' a company for you. However,they can probably provide generic information, a list of registered insurance providers, and information on complaints against providers.
I would also contact the insurance companies you and your fellow board members already use for auto and home insurance.
Let us know what you decide and how it works out. Good luck!
We have a PTT "Parents Teachers Together" same as a PTO club. Our School is an Elementary K-5, 400 students in Oregon. We are currently starting the paperwork to become our own non profit status to avoid becoming a PTA and need to obtain liability insurance for our PTT sponsored events (the school district has informed us that we are not covered under their policies). We have a strong board and are not worried about coverage for the board members but just our Carnivals and other events we sponsor for the school covered. If anyone can share with me the insurance company you currently use, and any estimate of how much we should expect to pay in premiums it would help alot to get us going on this search.
This is the best site for information and I thank everyone in advance for any input to my search for answers.
