Your Guide to PTO Insurance: Separating Fact from Fiction

When it comes to insurance, it’s natural for PTO and PTA leaders to have questions. Coverage can feel confusing, and you may have heard different things from schools, other parent groups, or even past leaders. The truth is some of those assumptions might leave your group unprotected.

Here's a clear, no-stress guide to separating fact from fiction--so you can feel confident that your parent group is covered. 

Fiction: "Our school covers us" 
Fact: School and districts may not be able to ensure independent PTOs. 

It might seem like your PTO is included under the school’s policy, but most parent groups are considered separate organizations. That means your school’s insurance may not extend to your events or funds. So instead of crossing your fingers, you can rely on PTO Today Insurance—coverage made just for parent groups like yours, to provide peace of mind and four different insurance packages.

Fiction: "We're too small to need insurance" 
Fact: Risks exist no matter your group's size.

Even if your group only raises a few hundred dollars, you’re still handling money, planning events, and welcoming families. Accidents and unexpected losses can happen to any PTO. PTO Today Insurance offers affordable packages, so even the smallest groups can be protected.

Fiction: "Volunteers can't be held responsible"
Fact: Volunteers many not be paid, but they aren't automatically shielded from a liability claim. 

If something goes wrong at an event, officers and leaders can still be pulled into a claim. PTO Today’s Directors coverage helps protect your leadership team so volunteers can serve without worry.

Fiction: "Insurance is too expensive for PTOs"
Fact: PTO Today Insurance was created to be affordable. 

Insurance may sound like a luxury, but it could save your group from huge expenses after a single incident. PTO Today Insurance was designed specifically for parent groups, with practical, easy-to-understand packages that fit most budgets.

What PTO Today Insurance Can Include:

PTO Today Insurance offers package options so groups can choose what works best. Here are some of the coverage options: 

•    General Liability (bodily injury or property damage at events)
•    Excess Accident Medical (help with medical expenses if someone gets hurt)
•    Directors & Officers (D&O) (protects board members in the event of a mismanagement or misrepresentation claim)
•    Crime Coverage (covers theft or embezzlement)
•    Property Coverage (for PTO-owned items like popcorn machines, laptops, spirit wear or fundraising merchandise)

With these protections in place, your group can focus on what really matters—bringing families together and supporting your school community.

PTO Today Is Here to Answer Your Insurance Questions

Insurance doesn't have to be complicated. PTO Today Insurance is designed with parent groups in mind so you can run events, raise funds, and lead your PTO with confidence, knowing your group, your money, and your volunteers are protected. With over 25 years of experience supporting parent groups, PTO Today is ready to help you separate insurance facts from fiction. 

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