No tip this week. Instead it's a back-to-school request: Please ask around and see if your group has insurance coverage. Too many groups still don't, and it's a mistake.

Check out our Insurance page with everything you need to know about taking this important step.

Basically, PTO insurance is a very small investment that protects your volunteers and your funds and even your students. You host events; you likely have a five-figure-plus annual budget; and you certainly have leaders and volunteers with a lot to lose personally from a lawsuit or injury claim. That's why more and more groups are making the wise decision to get simple coverage.

It's definitely worth a conversation with your group, and now is the time to have that conversation.