Bad Things Can Happen to Good Groups.

Don’t get caught off guard—get PTO Today parent group insurance now!

Smart leaders plan for the unthinkable.

Don’t assume your group or event is covered by the school or the school district. In many states, school districts aren’t allowed to cover parent groups. So, for all the what-ifs that could happen, rely on PTO Today insurance to protect yourself, your officers, and your group:

 

• Accidents

• Injuries

• Embezzlement

• Property damage

• Mismanagement claims

 

PTO Today has specifically designed affordable and easy-to-choose insurance packages to protect you, and your group, against the most common risks you face—and coverage begins within 24 hours.*

Entry

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 - $1,000,000 per occurrence limit / $2,000,000 annual aggregate limit per parent organization. Must be purchased with Excess Accident Medical.

$404/yr
Basic

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 - $1,000,000 per occurrence limit / $2,000,000 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.

$494/yr
PTO Today Recommended

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 - $1,000,000 per occurrence limit / $2,000,000 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.

$624/yr
Complete Coverage

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 - $1,000,000 per occurrence limit / $2,000,000 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.

$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).”

Former Nashville PTO prez indicted for theft

Need information to share with your board?

DOWNLOAD OUR INSURANCE INFO SHEET

It answers many of the common insurance questions that come up during board meetings.

Questions?

Call us! 800-557-2670

Our Leader Support team is happy to walk you through our coverage options and suggest a package that fits your group’s needs. Give us a call or This email address is being protected from spambots. You need JavaScript enabled to view it. today.

*Your coverage begins the day after payment has been processed. Your certificate of coverage will be emailed to you within one week of payment.