![]() PTO & PTA INSURANCE Protect Your Group With PTO InsuranceWe offer affordable insurance packages to protect against theft, injury, property damage, and embezzlement. Too often group leaders assume they are covered by their school or their school district, but the reality is that most aren’t, so it’s important to ask.
We protect you, your officers, and your group so you can focus on what matter most. Get coverage within 24 hours!*
Need help? Our Leader Support team has a lot of experience and can walk you through the different types of coverage based on your group’s specific activities. This email address is being protected from spambots. You need JavaScript enabled to view it. or call us at 800-557-2670. Entry
PTO Today Plus MembershipJoining 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! Excess Accident MedicalAccidents 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 LiabilityDid 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 - $1,000,000 per occurrence limit / $2,000,000 annual aggregate limit per parent organization. Must be purchased with Excess Accident Medical. $404/yr
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PTO Today Plus MembershipJoining 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! Excess Accident MedicalAccidents 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 LiabilityDid 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 - $1,000,000 per occurrence limit / $2,000,000 annual aggregate limit per parent organization. Must be purchased with Excess Accident Medical. D&OYour 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. $494/yr
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PTO Today Plus MembershipJoining 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! Excess Accident MedicalAccidents 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 LiabilityDid 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 - $1,000,000 per occurrence limit / $2,000,000 annual aggregate limit per parent organization. Must be purchased with Excess Accident Medical. D&OYour 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. CrimeIt’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. $624/yr
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PTO Today Plus MembershipJoining 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! Excess Accident MedicalAccidents 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 LiabilityDid 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 - $1,000,000 per occurrence limit / $2,000,000 annual aggregate limit per parent organization. Must be purchased with Excess Accident Medical. D&OYour 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. CrimeIt’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 InsuranceYour 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. $749/yr
![]() ![]() Real–World Stories Why would we need insurance? It's a question we hear a lot. Unfortunately, bad things really do happen—and no group is immune. “A few years ago, a girl slipped on the bathroom floor during our event. The insurance covered her medical bills (it messed up her back).” PTO Insurance: Do You Need It? ![]() Without insurance, your group and your officers may be at risk. Here’s what you should know to assess your needs. Quiz: What’s Your PTO Insurance IQ? ![]() Think you’re covered? When it comes to parent group insurance, most people don’t know as much as they think—and that could cost them. Take the quiz to see if you know enough. PTO Insurance: What You Should Know ![]() Are you covered? To make sure your parent group’s insurance policy will protect members if a claim is made, there are a few things you should learn about. Protect Volunteers From Legal Risks ![]() Having a few key policies in place can minimize the risks to parent volunteers. Webinar: Parent Group Insurance FAQs Answered ![]() Our webinar covers why insurance is important, the various types you can get, and much more. Watch now for free! Embezzlement: How To Protect Your Parent Group ![]() Reports of embezzlement from parent groups and booster clubs are on the rise. The right insurance can help cover your losses. ![]() Frequently Asked Questions Below are some of our frequently asked questions. If you have any other questions or concerns, please feel free to contact us via email or call 800‑557‑2670. Getting Started / GeneralIn many states, school districts are not allowed to cover parent groups because they are independent from the school and not government entities. There are some school districts out there, however, who might still cover the parent teacher group under their policy. The best advice is to give your school a very specific list of your activities and request a written letter from the school stating that all of your activities are covered. Some policies only cover the parent teacher group for events during school hours and on the school campus so that needs to be clearly spelled out as well. Quite often the school assumes you are covered without actually looking into the specifics. The only way to be sure is to get something in writing! Unfortunately, parent teacher groups are not immune from 3rd party liability or from lawsuits, even if they are incorporated. Every year, parent groups face 3rd party liability suits or are victims of embezzlement. As a parent group officer, it is your responsibility to make sure your group has sound practices to prevent potential problems. You should also ensure your group is covered in the event that something bad does happen. It only takes one bad event to erase years of hard work. Bene-Marc, Inc. has over 38 years of experience administering insurance programs for the nonprofit community. Philadelphia Insurance Companies and AXIS Global Accident and Health provide coverage for the PTO program. Both companies are rated "A" by the A.M. Best's Rating. PTO Today insurance coverage extends to parent groups associated with a single school and represented by a single board. Groups can go by any acronym, PTO, PTA, HAS, PTSO, Booster Club, etc. You can apply online at www.ptotoday.com/insurance and pay with a check or a credit card. If you do not wish to do that, you can download the application and send it to us via the mail. If you are associated with a parent group that serves multiple schools, please contact us for volume discounts. Your policy can start as soon as the day after you purchase assuming we receive the completed application, payment for your membership, and your application is approved. By pooling all our members together we're able to offer you exceptional coverage at a discounted rate you won't find elsewhere. As a Plus member you'll enjoy all the exclusive benefits of being a Plus member, including downloadable access to ALL 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. Policy SummariesGeneral Liability provides coverage for sums that the insured becomes legally obligated to pay as damages because of bodily injury or property damage from a covered event. A good benchmark to remember is that there must be bodily injury or property damage to trigger coverage under the General Liability policy. Excess Accident Medical Coverage is required with the purchase of general liability. The General Liability policy provides sub limits for Fire Damage and Medical Payments. The Fire Damage sub limit is $100,000 and the Medical Payments sub- limit is $5,000. Fire Damage Liability provides coverage for the ensuing property damage to property, that the PTO is occupying, due to the PTO's negligence. Medical Payments is a “no-fault” coverage providing up to $5,000 for first aid administered at the time of the accident, necessary medical, surgical, x-ray and dental services, and the necessary ambulance, hospital, professional nursing and funeral services. A suit does not have to be filed in order for the PTO to receive the $5,000 benefit. Should the expense exceed this limit, the claimant would seek protection under the general liability policy. Please note that effective 7/1/10 the general liability policy contains an exclusion for incidents of actual or alleged negligent acts, errors or omissions resulting in abuse or molestation or threatened abuse or molestation. Volunteers are covered as part of the PTO under the general liability policy, as respects to their involvement on behalf of the PTO. The PTO Today general liability policy does not have a deductible. General Liability list of covered events. Should you have any questions, please call This property policy is a “Causes of Loss — Special Form”. This means that covered causes of loss means Risks of Direct Physical Loss unless the loss is:
Covered Property includes the property of the PTO that is:
The PTO Today Crime policy provides coverage for:
Covered activities include: See policy for covered Accident Medical Expenses/Services
*Please refer to the policy copy online for exact coverage details. EventsAny 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:
*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. For the following activities to be covered by your insurance the session/program must be led by PTO volunteers (not by paid instructors). Additional PTO volunteers must be in attendance at all sessions/programs.
If you are paying the instructors, they must have their own coverage, and name your parent group as an additional insured on their policy. While it is understood that you may have the following types of activities at your events, please know that they are NOT COVERED under the PTO Today program. The following is recommended: When you hire a vendor to provide any of the following activities at your event, the vendor should have appropriate insurance and it is strongly recommended they 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 an additional insured on the vendor’s policy.
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).The policies provided cover the parent teacher group anywhere within the United States. You can hold events away from your school (exclusive of private homes) and you are still covered. No, you do not need to submit a list of your events. Please review the list of covered events here to check if your event is covered. If you don't see your specific event listed here, please email This email address is being protected from spambots. You need JavaScript enabled to view it. to confirm coverage is provided. It is important to remember that your policy covers parent group sponsored events. To be considered parent group sponsored:
Athletic, sports, and physical type activities or events are not covered under this policy. The only exceptions to the Athletic/Sports exclusion are bowling, a running event, a golf tournament, a Jog-A-Thon, a Walk-A-Thon, a roller skating party or an ice skating party held at inside facility. This list is not all inclusive; please This email address is being protected from spambots. You need JavaScript enabled to view it. or call 800-557-2670 if you have a question about whether your event is covered.
Additional Insured & Liquor LiabilityAn Additional Insured gives associated coverage to an entity or venue not currently named under your policy. An Additional Insured Certificate can be provided at no additional cost, should someone request it of the Parent Group for a particular event. This will satisfy the venue's liability protection need. Organizations (ex: Scouts) cannot be additionally insured to a policy. Further, Additional Insureds cannot be "open-ended"; with the exception of a Parent Group's School District and / or associated school. When an Additional Insured is intended for a specific event, details of the event must be given in writing (Email). Click here to request an additional insured. If you have any questions, please call 800-557-2670 or email This email address is being protected from spambots. You need JavaScript enabled to view it. There are several factors involved in determining the coverage necessary for an event involving alcohol. To protect your group and to ensure proper coverage is in place, If your event involves the sales or consumption of alcohol, please call 800-557-2670 or email This email address is being protected from spambots. You need JavaScript enabled to view it. Click here to request an additional insured/liquor liability. If you have any questions, please call 800-557-2670 or email This email address is being protected from spambots. You need JavaScript enabled to view it. Liquor liability rates are based on number of attendees for the event. For most states the liquor liability coverage rates are below. If your event is being held in: New Jersey, Florida, Louisiana, West Virginia or Kentucky, please contact us. The rates below assume the type of event where liquor liability is requested falls within the approved scope of events noted as "included" in the current list for the PTO program, so always refer to that List of Covered Events. Please note that events that you feel might possibly be out of scope from the "included" type of events will need to be referred to Bene-Marc for consideration
Policy QuestionsThe combination of general liability and excess accident medical coverage is important for groups to ensure the groups satisfy the insurance requirements of school districts and venues where PTO-sponsored events are held. General liability insurance provides coverage in the event of a third party bodily injury (non-participant injury) or property damage claim. In addition, the excess accident medical coverage provides coverage to participant injury during PTO-sponsored events.
The only policies that have a deductible are the Property, D&O and the Crime policies. The deductible for D&O is $2,500. The deductible for Crime and Property is $250. General Liability provides coverage for included/covered events to your entire parent group — all the volunteers and members. Excess Accident Medical must be purchased with General Liability. Excess Accident Medical covers your entire parent group - all the volunteers and members and anyone attending a PTO sponsored event. D&O covers all the officers of your group in the circumstance they are sued personally for a decision made by the group. The D&O policy has a $1,000,000 limit per claim, $1,000,000 aggregate limit per parent organization, and a $10,000,000 annual aggregate limit for the Purchasing Group. General Liability protects your group from 3rd party bodily injury and property damage claims arising out of your sponsored events. The coverage “trigger” occurs when there is property damage or bodily injury at a covered event. For example, if a third party is injured while participating in a PTO sponsored event, a claim could arise that should be filed under the General Liability policy. A General Liability claim could also arise from actions of a PTO member who damages school property. D&O Liability specifically excludes bodily injury and property damage claims. D&O protects your PTO and your officers if someone alleges misrepresentation or mismanagement of your parent group. If PTO officers hire a company to provide bounce houses for a back to school kickoff, but fail to verify insurance or undertake any due diligence regarding the vendor, and an incident occurs involving the vendor, the Officers could be sued personally for their decision to hire this uninsured vendor. There does not have to be bodily injury or property damage to trigger a D&O claim. In fact, if the claim alleges either bodily injury or property damage, the claim should be filed under the General Liability. Property coverage extends to any personal property of the parent teacher group, such as computers, popcorn machines, and fundraising merchandise. If you “gift” an item to the school, however, that item would be considered school property and covered under the school's insurance policy. Excess Accident Medical and General Liability must be purchased with Property insurance. The Crime policy is a blanket bond that covers anyone who your organization trusts with the money. This can be a President, Treasurer, Committee Chairperson or Volunteer. Please note that the insurance options effective 7/1/10 have changed. If a PTO group is seeking crime coverage effective 7/1/10 or later this coverage will be automatically paired with General Liability and Excess Accident Medical coverage. The best thing you can do to protect your group's money is to put in place sound financial controls. Insisting that someone who does not sign checks reviews the bank statement will help to protect your organization from having a loss, as well as limit the dollar amount of the loss through early detection. The person who doesn't have check signing authority basically needs to date and sign the monthly bank statement indicating it has been reviewed. The audit does not need to be done by an accountant, just an independent person who understands the process. PTO Today's Treasurer's Toolkit has several other helpful financial controls to help you safeguard your money. Yes, the treasurer can reconcile the bank statement. It's important, however, to have someone else review the reconciliation to make sure it was done properly. In addition, you must conduct an annual audit of the books by an audit committee or a qualified accountant and the monthly bank statement must be opened/reviewed by someone who does not have authorization to sign checks. You might want to consider Finance Manager to make bank reconciliation easy. Since Finance Manager is a web based software program, your financial data is accessible to anyone with the right permission level. This makes reviewing the bank reconciliation a very simple process! When you donate or “gift” something to the school and they accept the gift, then the school also accepts responsibility for those items and it further separates your group from liability. This is quite often done with playground equipment and similar types of items. Please remember that “gifting or trusting” items to a school will provide some defense in court but cannot stop someone from filing a lawsuit. Policy cancellation is allowed, but the premium is flat and fully earned at time of payment therefore there is no refund available. If, for record keeping purposes, you would like to formally cancel the policy, you must do so in writing. Send email request to Brandi Terry at This email address is being protected from spambots. You need JavaScript enabled to view it. Claims QuestionsOnce a claim is filed, your PTO group will be notified by Philadelphia or ACI (depending on the type of claim) with respect to acknowledgement of the receipt of the claim and clarification if additional information is needed from your organization.
*The Certificate of Insurance won't arrive within 24 hours but your policy can start as soon as the day after you purchase and we receive the completed application and payment for your membership, and your application is approved. |