Group Resource: Parent Group Insurance – Events Coverage

Any event with an estimated attendance over 800, will require underwriting review prior to issuing certificates. Please contact This email address is being protected from spambots. You need JavaScript enabled to view it. or call 1-800-557-2670

General Liability coverage is included for the following events:


5k/10k Walk/Run
All Night Lock-Ins
Animal Rides(tethered or led)
Arts & Crafts Activities
Auctions
Babysitting at PTO Meetings
Bake or Food Sales
Balloon Artists
Band Concerts
Bazaars
Bean Bag Toss
Beautification Projects (no construction)
Book Fairs
Broom Hockey (on school premises)
Cake Walks
Candy or Wrapping Paper Sales
Carnivals (with exceptions)
Car wash
Childcare (at a PTO event)
Colored Sand Painting
Community Forums
Concession Stands
Cookout (grilling equipment used)
Confetti Eggs
Costume Parties
Cow Bingo
Dances (on school premises)
Easter Egg Hunt
Egg Toss
Face Painting
Family Portraits
Farmer's Market (on school premises)
Fashion Shows
Fishing (from land)
Food Sales
Fortune Telling
Fun Runs
Grad Nights
Haunted Houses (on school Premises)
Horse led Hayrides (no vehicles)
Hobby Shows
Ice Cream Socials
Jail Auction
Jog-a-thon
Karaoke
Line Dancing
Litter Cleanup
Magic Shows
Math Fairs
Movie Night (inside)
Movie Night (outside)
Open Houses
Parades (no vehicles)
Parent Education Workshop
Performing Arts
Petting Zoos
Picnics
Pizza Night
Ring Toss
Science Fairs
Spelling Bees
Talent Shows
Touch a Truck (only if vehicle is stationary)
Trivia Night
Walk-a-thon
Water Balloon Toss
Yard/Rummage Sale

For the following activities to be covered:
The session/program must be led by PTO volunteers or by paid instructors. Additional PTO volunteers must be in attendance at all sessions/programs. The paid instructors must have their own coverage, and name your parent group as an additional insured on their policy. Any program with more than 800 people in attendance must be reviewed by the insurance carrier

  • After School Programs
  • Enrichment Programs

For the following activities to be covered:
If you hire a vendor to provide any of the following activities at your event, there must be supervision and the vendor must have appropriate insurance and name your parent group as an additional insured on the vendor's policy.

OR

If you have any of these activities at the vendor's venue, the vendor must have appropriate insurance and it is strongly recommended that your parent group be listed as and additional insured on the vendor's policy.

  • Alcohol, when served at functions by a third party
  • Bounce Houses
  • Bowling
  • Dunking Booths
  • Golf Tournaments
  • Haunted Houses (not on school Premises)
  • Inflatable Slides
  • Laser Tag
  • Moon Walks
  • Pee Wee Golf (miniature)
  • Rock Climbing Walls
  • Skating Rink (Roller and Ice) - Indoor Rink Only
  • Swimming Party (pools with lifeguard only)

Athletic/Sports Activities or Events:

Athletic, sports, and physical type activities or events represent extremely high potential liability to a Parent Group, and have a very high participant child and adult injury incident rate. Injuries to athletic/sports participants are not covered under this policy. The policy will not defend the Parent Group against a negligence lawsuit resulting from athletic or sports activities. Types of activities referred to within this section include but are not limited to aerobics, baseball, basketball, cheer leading, football, gymnastics, martial arts, swimming, tennis, track and field, volleyball, or any enrichment class or event involving athletic or physical type activities. The only exceptions to the Athletic/Sports exclusion are: bowling, 5K Run/Walk, Walk-A-Thon, Jog-A-Thon, Fun Run, a golf tournament, or an ice or roller skating party (indoor rink facility).


General Liability coverage is excluded for the following events:

  • Automobiles
  • Aircraft
  • Asbestos Exposure
  • Baseball/Softball Toss
  • Bike Rodeos
  • Bungee Jumping
  • Camping
  • Campfire/Bonfire
  • Fireworks
  • Hang Gliding
  • Hot Air Balloons
  • Lead Exposure
  • Luge
  • Mechanical/Motorized Rides at Carnival
  • Motorsports
  • Nuclear Exposure
  • Organized Athletic Events
  • Paintball
  • Parasailing
  • Parachuting
  • Playground Construction
  • Polar Plunge
  • Pyrotechnic Displays or Devices
  • Race Track Risks
  • Rocketry
  • Rodeo
  • Saddle Animals
  • Skateboarding
  • Skiing
  • Snowboarding
  • Snow Tubing
  • Swimming (open water)
  • Tobogganing
  • Trampolines over 46" in diameter
  • Vehicular Transportation of Any Type
  • Velcro Jumps
  • Watercraft
  • Water Skiing
  • Workers Compensation Claims

*Bene-Marc may be able to offer a single event policy for some athletic events – Please contact for more information.

This list is not all inclusive. Please This email address is being protected from spambots. You need JavaScript enabled to view it. if you have a question about whether your event is covered

Questions About Parent Group Insurance? Call 800-557-2670

Insurance & Plus Membership

A PTO Today Plus membership is required to purchase insurance. Learn More about Plus.

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