Insurance for PTOs, Boosters, and Education Foundations

Liability Insurance protects your group during fundraisers, meetings, and events—on or off school grounds. It covers injury, property damage, and personal or advertising injury, with limits up to $2M per occurrence.

Liability Insurance from $155/year includes:

• Bodily Injury & Property Damage
• Personal & Advertising Injury
• Products Liability
• Damage to Rented Premises
• Non-Owned & Hired Auto (e.g., parent drivers, rented vans)
• Non-Owned Watercraft (under 26ft)
• Sexual Misconduct Liability
• Medical Payments for volunteers
• Supplemental Defense Costs
• Officers, Members & Volunteers Named Insureds

Includes Certificates of Insurance, free Additional Insureds, and online policy tools.

Accident Medical helps cover medical expenses for accidental injuries that occur at your PTO, Booster Club, or Foundation events. It’s a smart add-on to Liability.

Included in Accident Medical Coverage:

• Covers participants, volunteers, and guests
• Pays out-of-pocket costs from falls, collisions, and more
• Works alongside Liability for more complete protection
• $25 deductible per claim

Helpful for active in-person events like carnivals, field days, or family nights.

Protect the physical items your group owns—from popcorn machines to musical instruments.

Commonly Covered Items:

• Event supplies, props, and signage
• Office electronics: laptops, printers, cameras
• Merchandise and promotional materials
• Sports gear, uniforms, and costumes

Covers direct physical damage, theft, or destruction.

Property coverage is available to PTOs, Booster Clubs, and foundations regardless of 501(c)(3) status.

When your group handles funds, especially outside school hours, Bonding helps protect against theft, embezzlement, or fraud by someone inside the group.

Coverage Includes:

• Employee Dishonesty (theft by officers or volunteers)
• Forgery or Alteration (e.g., checks)
• Theft, Disappearance & Destruction (including while stored at home)

Protects your funds, your officers, and your reputation.

Directors & Officers Liability protects your board from claims related to decisions made on behalf of the organization. This isn’t covered by General Liability.

What’s Covered:

• Wrongful Acts, Mismanagement
• Errors, Omissions, Breach of Duty
• Employment Practices Liability (e.g., discrimination claims)
• $1M / $1M limits, no deductible

Includes coverage for directors, officers, trustees, employees, and volunteers.

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 PTO or Booster Club against claims of libel, slander, or invasion of privacy 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 acting on behalf of your PTO during insured activities and events. Coverage also includes guests and participants when combined with Accident Medical Insurance.

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

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

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 group 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 PTO.