Helping parent leaders make schools great

FREE GUIDE

Plan an Indoor Glow Run This Winter

A glow run is the perfect winter fundraiser. Get started with our free fun run planning guide!
FUNDRAISING

5 Trending Online Tools for School Fundraisers

Reach more donors, raise more funds, and save time! These five fundraising tools make it possible for schools to host BIG fundraising events—even with a small team of volunteers.
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Get Text Alerts for Giveaways and More

Sign up for text alerts to hear about PTO Today's latest giveaways—free snacks and toys for school events, sweepstakes, and more!
PBIS

Book Vending Machines: What You Need to Know

Encourage a love of reading and positive behavior with a book vending machine. Here's how to make it happen at your school.
WORLD KINDNESS DAY

World Kindness Day is November 13

We round up 24+ ways to encourage kindness at school—perfect for World Kindness Day and Random Acts of Kindness Week.

Thankful for Teachers

Pair boxed mini pies with individual forks and our "Any way you slice it, our teachers and staff are the best" treat tag for a thoughtful Thanksgiving teacher treat! Get our free appreciation mega bundle

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PTO Today Insurance Packages

 
 
 
 
 
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Joining the PTO Today Plus community means that you immediately have everything you need to make your school great. All the informative and helpful content that you’ve come to expect from PTO Today, discounts on programs and products, support from a team of personal advisors, and first dibs on our popular sampling programs—and hundreds of new friends!

* We work with lots of different partners to bring programs to our Plus community. Each program is unique and might have different geographic or demographic criteria. As a result, we may have a special promotion or PTO Today Plus perk that is offered to some, but not all, Plus members.
 
 
 
 
Accidents and injuries can result in significant medical costs. Excess Accident Medical insurance provides excess medical coverage to participants in PTO sponsored events in the case of injury to the participant. The coverage is excess to any primary medical insurance the participant or the participant's guardian (in the case of a minor) may have in place. $25,000 annual limit. Note: Excess Accident Medical insurance does not replace the need for a General Liability policy.
 
 
 
 
Did you know that many venues including school and municipal facilities won’t allow your PTO to hold a sponsored event without General Liability coverage? General liability insurance protects your group and volunteers against 3rd party bodily injury and property damage claims. General Liability - $2,000,000 per occurrence limit / $4,000,000 annual aggregate limit per parent organization. Must be purchased with Excess Accident Medical.
 
 
 
 
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 and $1,000,000 aggregate limit per parent organization.
 
 
 
 
 
 
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. Must be purchased with Excess Accident Medical, General Liability, and D&O.
 
 
 
 
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. Must be purchased with Excess Accident Medical, General Liability, Crime and D&O.
 
 
 
 
Coverage is guaranteed quickly.
Covers most events PTOs organize; get full list of events.
 
 
 
 
Entry
PTO Today Plus Membership
Not a Plus Member?

A PTO Today Plus membership is required to purchase insurance.

Learn More About Joining PTO Today Plus

Excess Accident Medical

Accidents and injuries can result in significant medical costs. Excess Accident Medical insurance provides excess medical coverage to participants in PTO sponsored events in the case of injury to the participant. The coverage is excess to any primary medical insurance the participant or the participant's guardian (in the case of a minor) may have in place. $25,000 annual limit. Note: Excess Accident Medical insurance does not replace the need for a General Liability policy.

General Liability

Did you know that many venues including school and municipal facilities won’t allow your PTO to hold a sponsored event without General Liability coverage? General liability insurance protects your group and volunteers against 3rd party bodily injury and property damage claims. General Liability - $2,000,000 per occurrence limit / $4,000,000 annual aggregate limit per parent organization. Must be purchased with Excess Accident Medical.

Basic
PTO Today Plus Membership
Not a Plus Member?

A PTO Today Plus membership is required to purchase insurance.

Learn More About Joining PTO Today Plus

Excess Accident Medical

Accidents and injuries can result in significant medical costs. Excess Accident Medical insurance provides excess medical coverage to participants in PTO sponsored events in the case of injury to the participant. The coverage is excess to any primary medical insurance the participant or the participant's guardian (in the case of a minor) may have in place. $25,000 annual limit. Note: Excess Accident Medical insurance does not replace the need for a General Liability policy.

General Liability

Did you know that many venues including school and municipal facilities won’t allow your PTO to hold a sponsored event without General Liability coverage? General liability insurance protects your group and volunteers against 3rd party bodily injury and property damage claims. General Liability - $2,000,000 per occurrence limit / $4,000,000 annual aggregate limit per parent organization. Must be purchased with Excess Accident Medical.

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 and $1,000,000 aggregate limit per parent organization.

PTO Today Plus Membership
Not a Plus Member?

A PTO Today Plus membership is required to purchase insurance.

Learn More About Joining PTO Today Plus

Excess Accident Medical

Accidents and injuries can result in significant medical costs. Excess Accident Medical insurance provides excess medical coverage to participants in PTO sponsored events in the case of injury to the participant. The coverage is excess to any primary medical insurance the participant or the participant's guardian (in the case of a minor) may have in place. $25,000 annual limit. Note: Excess Accident Medical insurance does not replace the need for a General Liability policy.

General Liability

Did you know that many venues including school and municipal facilities won’t allow your PTO to hold a sponsored event without General Liability coverage? General liability insurance protects your group and volunteers against 3rd party bodily injury and property damage claims. General Liability - $2,000,000 per occurrence limit / $4,000,000 annual aggregate limit per parent organization. Must be purchased with Excess Accident Medical.

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 and $1,000,000 aggregate limit per parent organization.

Crime

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. Must be purchased with Excess Accident Medical, General Liability, and D&O.

Complete Coverage
PTO Today Plus Membership
Not a Plus Member?

A PTO Today Plus membership is required to purchase insurance.

Learn More About Joining PTO Today Plus

Excess Accident Medical

Accidents and injuries can result in significant medical costs. Excess Accident Medical insurance provides excess medical coverage to participants in PTO sponsored events in the case of injury to the participant. The coverage is excess to any primary medical insurance the participant or the participant's guardian (in the case of a minor) may have in place. $25,000 annual limit. Note: Excess Accident Medical insurance does not replace the need for a General Liability policy.

General Liability

Did you know that many venues including school and municipal facilities won’t allow your PTO to hold a sponsored event without General Liability coverage? General liability insurance protects your group and volunteers against 3rd party bodily injury and property damage claims. General Liability - $2,000,000 per occurrence limit / $4,000,000 annual aggregate limit per parent organization. Must be purchased with Excess Accident Medical.

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 and $1,000,000 aggregate limit per parent organization.

Crime

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. Must be purchased with Excess Accident Medical, General Liability, and D&O.

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. Must be purchased with Excess Accident Medical, General Liability, Crime and D&O.

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