There are 5 different types of insurance. General liability is the most common, but each one protects you and your group against different kinds of situations and claims.
More information on each type of insurance is below. If you have any questions or if you’re unsure whether a particular activity is covered please call us – 800-557-2670 or check out our FAQ page.
General Liability Insurance – Accidents can and do happen. Children can be injured at one of your events or have an accident on a piece of equipment that your group funded. The cuts, scrapes, and even broken bones will heal but liability lawsuits can arise in any circumstance when a child is injured. General liability insurance protects your group and volunteers against 3rd party bodily injury and property damage claims . $1,000,000 per occurrence limit/$2,000,000 annual aggregate limit. Related article – Are You Covered?
Fidelity Bond (also known as Crime Insurance) – It's hard to imagine any of your volunteers stealing from the PTO funds. Unfortunately, theft from the PTO is something that many groups have had to overcome. This type of coverage replaces the stolen money so your group can continue operating business as usual. $25,000 annual limit. Related article - Stealing from the PTO
Directors’ & Officers’ Liability Insurance (D&O) – Your board members are responsible for making decisions and running your group. Any one of your board members can be sued personally for a decision made by your group. D&O insurance protects board members if a “mismanagement” or “misrepresentation” claim is filed. $1,000,000 per claim limit, $10,000,000 annual aggregate limit.
Property Insurance – Your group works hard to raise and allocate funds. Property insurance protects your parent group property (cotton candy machines, computers/projectors, and fundraising merchandise, etc.) against theft and damage. Imagine the cost of replacing all those rolls of wrapping paper if a pipe burst and caused water damage! $10,000 annual limit.
Excess Accident Medical Insurance – Accidents and injuries can result in significant medical costs. Excess Accident Medical insurance provides for out-of-pocket medical expense to help avoid lawsuits. The Excess Accident Medical policy also provides medical expense coverage for things that are excluded from the General Liability policy including automobiles and school buses (for field trips). $25,000 annual limit. Note: Excess Accident Medical insurance does not replace the need for a General Liability policy.
Questions About Parent Group Insurance? Call 800-557-2670
PTO Today Plus Membership & Parent Group Insurance – Insurance can only be purchased as part of one of a higher level Plus Membership (Platinum, Gold, Silver, Bronze). By pooling all our members together we’re able to offer you exceptional coverage at a discounted rate you won't find elsewhere. In addition to savings on insurance, Plus members enjoy a number of benefits including downloadable access to ALL our expert guides (a $235 value), members-only library of online articles and bonus tools, and first dibs on special offers and complimentary sampling programs from our partners. Learn more about PTO Today Plus.
Buy Plus membership and insurance together in one easy package:
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For existing Plus members that just want to add insurance and don’t need to currently renew Plus.
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* For “district” Plus members prices will be $10 higher per policy.
Questions About Parent Group Insurance? Call 800-557-2670
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