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From quiet meetings to boisterous carnivals, parent teacher organizations face their fair share of risks, even when they’re not obvious. You may recognize a bounce house as a potential hazard, but what about threats like embezzlement or damage to fundraising merchandise? Specialized insurance policies exist to help protect your parent teacher organization from property damage, liability concerns and a host of additional risks.

In some cases, your PTO may be covered by the school district’s insurance policy. But it’s absolutely essential to find out if this is the case and if so, the exact details of that coverage. Speak with the school district’s business manager about coverage specifics, including whether or not the coverage extends to off-campus activities. If you don’t get the answers you’re seeking, contact the district’s insurance carrier. In most instances, it’s in the PTO’s best interests to get their own insurance policy to ensure the right protection is in place.

One of the most important forms of coverage your parent teacher organization should consider is property insurance. The PTO has likely invested in various physical assets, from fundraising merchandise to furniture to the actual space in which you meet. What would happen if fire or another disaster damaged these assets? Property insurance can provide the funds to replace what was lost.

A few additional coverage options you may wish to consider for your parent teacher organization include:

-         General liability: Covers the costs associated with injuries, including any resulting legal fees or settlements.

-         Directors and officers liability: Also called D&O insurance, this option covers the group’s leaders from claims that may arise against them.

-         Fidelity bond: Protects the group’s money from embezzlement and other acts of fraud.

Insuring your parent teacher organization proves that you’re committed to the work you do, from leaders to volunteers.

Get the right protection today. Call Bene-Marc, Inc. at (800) 247-1734 for more information on PTO insurance.

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