Insurance for PTAs, PTOs, Education Foundations & more
Parent-led organizations handle real responsibilities from selling tickets and organizing raffles to hosting events on school grounds. Whether you’re coordinating a fundraiser, managing inventory, or planning a field trip, many school districts require your group to carry Liability Insurance and name the school as an Additional Insured. We offer coverage built for the way PTAs, PTOs, and Scholarship and Education Foundations actually operate, including protection for events, property, and the people involved.
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Choose your organization
Parent Teacher Association (PTA)
From book fairs and school carnivals to volunteer meetings and enrichment programs, PTAs play a vital role in the school community. Our insurance is built to support the wide range of activities you plan throughout the year—on or off school grounds. With coverage designed for events, leadership, property, and fundraising efforts, we help protect your PTA’s people, purpose, and operations.
PTOs & Booster Clubs
PTOs and Booster Clubs play an essential role in supporting schools, raising funds, and building community. Our insurance is tailored to the way these groups operate, covering events, volunteers, fundraising activities, and leadership decisions. With protection for the people and resources that keep your group active, you can focus on making an impact without worrying about what-ifs.
Education or Scholarship Foundation
Whether you support students with fund enrichment programs or scholarships, your foundation plays a key role in education. We offer insurance designed to protect your operations, events, and leadership, so you can stay focused on fundraising, awards, and outreach. Coverage supports everything from board meetings and banquets to community events and school partnerships, with policies for new and established foundations.
Nonprofits Love Our Insurance
Insurance Coverage Options
General Liability from $65/yr
Liability Insurance is the most commonly purchased coverage for nonprofits, protecting your parent organization during fundraisers, festivals, and events. With limits up to $2 Million / $2 Million it includes bodily injury, property damage, personal injury, and product liability.
AME/AD&D from $98/yr
While Liability includes basic medical expense coverage, Accident Medical offers higher limits and broader protection for out-of-pocket costs. This coverage supplements Liability to help ensure your organization has coverage when unexpected injuries occur.
Property from $100/yr
Property Insurance protects your organization’s owned property against physical damage or loss. Coverage includes office equipment, supplies, costumes, props, musical instruments, and more, helping ensure your assets are covered so you can focus on your mission.
Bonding from $64/yr
Bonding protects your parent organization against financial losses due to fraud, theft, or embezzlement, including funds handled by officers or volunteers. This coverage is essential for school groups that manage money or store cash and valuables in private homes.
D&O Liability from $51/year
D&O Liability protects officers, directors, and board members from claims of errors, omissions, wrongful acts, and mismanagement. With $1M / $1M limits it includes protection for negligence, breach of duty, and employment practices liability.
PTA vs. PTO: What’s the Difference?
Not sure whether your group is a PTA or PTO? Here’s how they differ—and why it matters when selecting insurance coverage.
| PTA (Parent Teacher Association) |
| Affiliated with the National PTA and your State PTA. |
| Must follow PTA bylaws and structure. |
| Membership includes dues to National and State PTA. |
| Nonprofit status is provided through affiliation with National PTA. |
| Access to PTA resources, training, and support. |
| Insurance is typically offered at lower rates for PTA Units. |
| PTA members are automatically part of a nationwide network. |
| PTO (Parent Teacher Organization) |
| Independent parent group not tied to a national organization. |
| Sets its own rules and structure—no national oversight. |
| Dues are optional—determined by the group. |
| Must apply directly to the IRS to become a nonprofit. |
| Operates independently—no centralized support. |
| Insurance may cost more for PTOs due to lack of central affiliation. |
| PTO members are part of a standalone group with local-only governance. |
Still not sure which group you are?
Give us a call at 1-800-567-2685—we’ll help you confirm your group type and get you the right coverage.
Need Assistance?
We’re here to help. Whether you need help choosing coverage, want to clarify details, or prefer to talk it through—reach out anytime. Call Us at 1-800-567-2685 Monday through Friday 5:30AM to 5:00PM Pacific Time or Request a Callback and we’ll reach out .