Insurance for PTAs

Covers your PTA’s events, fundraisers, and meetings—on or off school property. Includes bodily injury, property damage, personal injury, and product liability up to $2M per occurrence with no deductible.

When you purchase liability coverage, your policy includes a Certificate of Insurance as proof of coverage, plus the ability to add additional Certificates as needed for no additional charge.

PTA Liability Insurance from $65/year includes:

• Unlimited Certificates of Insurance
• Free Additional Insureds
• Easy online tools to add and manage both through your account
• Member & Volunteer Coverage during insured activities
• Fast proof of insurance with a downloadable Certificate
• Support for special wording or requests—just call or use our contact form

Want more details? View Liability Insurance Coverage Details

Accident Medical Plus provides added protection for out-of-pocket medical expenses if someone is injured during a PTA-sponsored event or activity. It offers higher limits than basic coverage included in Liability and helps protect participants, volunteers, and guests.

Included in Accident Medical Coverage:

• Pays for accidental injuries during insured PTA activities—falls, collisions, and more
• Covers participants, volunteers, guests, and members
• Works with your Liability policy for broader protection
• Reimburses eligible medical expenses up to the selected limit while attending a sponsored activity or event.
• Includes a $25 deductible per claim
• Backed by an A+ rated carrier

This coverage is a smart addition for PTAs that host active, in-person events and want added protection for the people involved.

Property Plus helps protect the physical items your PTA owns—like office supplies, event materials, and inventory. If your property is stolen, damaged, or destroyed, this policy helps cover the cost to repair or replace it, without putting pressure on your group’s budget or leadership.

Some of the most commonly covered items include:

• Event supplies, props, and meeting equipment
• Office items: computers, printers, cameras, copiers
• Signs, banners, and promotional materials
• Merchandise and printed materials for sale
• Musical instruments, uniforms, and theatrical props
• Popcorn, snow cone, and coffee machines
• Storage containers and sports equipment

If your PTA owns it and it’s used for your activities, chances are it can be covered. Full details are available in the policy documents.

Property Plus is available to PTAs of all sizes, regardless of 501(c)(3) status, and covers your group’s owned items against direct physical damage.

PTAs often handle cash, checks, and fundraising money outside of school hours—sometimes stored in homes or managed by volunteers. Bonding Plus is designed to protect your group from theft, embezzlement, or fraud committed by those entrusted with your funds.

What’s Included in Bonding Plus:

• Covers losses from employee dishonesty, forgery, and theft
• Applies to officers, committee members, and volunteers handling money
• Designed specifically for PTAs and other nonprofit groups
• Backed by an A+ rated carrier

This policy includes three types of financial protection:

• Employee Dishonesty – Theft or fraud by someone inside your PTA
• Forgery or Alteration – Forged checks or financial document changes
• Theft, Disappearance & Destruction – Loss of funds on or off-site, including while stored in a volunteer’s home

If your PTA handles or stores funds throughout the year, bonding is essential protection.

Even well-run PTAs can face legal claims over decisions made by the board. Directors & Officers Liability (D&O) helps protect your leadership team from personal financial risk tied to their roles.

What’s covered:

• Up to $1M per occurrence / $1M aggregate
• Covers directors, officers, trustees, employees, and volunteers
• Applies to claims involving:
  • Wrongful acts or mismanagement
  • Errors, omissions, or breach of duty
  • Misleading statements
  • Employment practices liability

This coverage fills the gap not included in general liability—helping your PTA’s leaders stay protected while making day-to-day decisions for the group.

All coverages are available in all 50 states and provide one full year of protection from your chosen start date.

Social Media Liability protects your PTA against claims of libel or slander related to posts, emails, or public communication. This includes sharing photos without permission, publishing confidential information, or spreading false statements online or in writing.

Yes. Liability Plus coverage extends to officers, members, employees, and volunteers who are sued while acting on behalf of your PTA during insured activities and events. Coverage also includes guests and participants when combined with Accident Medical Insurance.

No. Booster clubs, grad night committees, and other groups are considered separate legal entities and must have their own policies. Adding them to your PTA insurance shares your liability limits and requires your PTA to defend them in a lawsuit—which puts your group at risk.

Yes. Vendors are independent contractors and are not covered by your PTA’s insurance. Any vendor you hire should provide a Certificate of Insurance with a minimum $1 Million limit and list your PTA and State PTA as Additional Insureds.

Standard exclusions include:

• Owned vehicles, watercraft, or aircraft
• Property under your care or owned by the PTA
• Workers’ Compensation
• Construction or excavation
• A full list of exclusions is included in your policy documents.

Bonding coverage excludes:

• Losses only proven through inventory or accounting errors
• Theft from vending machines or use of supermarket scrip
• Dishonest acts by individuals previously known to be untrustworthy
• Always review your full policy for complete exclusion details.

Please note this is not an exhaustive list. Always read your policy language for complete details on what is excluded.

D&O Liability covers your PTA as an entity, along with directors, officers, trustees, employees, and volunteers. This policy protects your leadership from claims of wrongful acts, mismanagement, or breach of duty.

Follow these key steps:

• Require two signatures on checks
• Never pre-sign checks
• Audit financials annually and when leadership changes
• Track all payments and deposits with documentation
• Review bank statements monthly
• Avoid making checks out to cash
• Bonding Insurance provides protection, but good oversight is your first line of defense.

Follow these key steps:

• Inspect the space beforehand
• Mark off restricted areas
• Ensure clear entrances, exits, and walkways
• Maintain a 1:4 volunteer-to-child ratio
• Have a first aid station and designated emergency contacts
• Cover exposed wires and clean spills immediately
• Require vendors to supervise equipment and provide proof of insurance
• These practices help reduce the risk of accidents and protect your PTA.