My piece last week, "Little Things Matter," was soft and fuzzy -- a well-deserved thanks to all of you who do so much for our schools.

But this week, it's all practicality -- my annual plea for you to check on the insurance status of your group and, if you're lacking, to take steps to get coverage. Please check it out.

It's not hard and not as expensive as you might think. And parent groups and PTO and PTA leaders do have exposure. We have a comprehensive insurance offering available through our PTO Today Plus program.

You might think you're covered by your district, but it's worth it to ask and to get the answer clearly from a school business official or the school's agent. It's a quick question, and, in our experience, most district policies do not cover parent groups.

To learn more, read "Insurance: Do You Need It?"