Parent-teacher associations (PTAs) and parent-teacher organizations (PTOs) are in charge of many activities that benefit the school community. While these events bring fun and excitement, they also present opportunities for injuries or property damage. The proper general liability insurance can provide essential coverage for common risks PTAs and PTOs encounter.
The knowledgeable team at Bene-Marc Inc. in Fort Worth, Texas can work with your organization and help you get the necessary coverage. Contact us today to get started.
Do PTAs Need General Liability Insurance?
PTAs and PTOs may work closely with an educational institution, but they are typically not covered under a school’s insurance policy. They are generally considered separate organizations from the school and have their own insurance needs. Without proper policies in place, PTAs and PTOs may not have adequate coverage for their leaders, volunteers and participants.
What Does General Liability Insurance Cover?
General liability insurance can provide PTAs and PTOs with financial protection. Although policies vary, general liability insurance can provide coverage if your organization is responsible for third-party property damage or bodily injury. It can help pay for the injured party’s medical bills or property loss expenses and cover associated legal expenses (e.g., court costs and judgments) if a lawsuit is filed. Additionally, general liability insurance may provide coverage if your PTA or PTO is responsible for unintentional personal injury (e.g., libel or slander) and advertising injury (e.g., copyright infringement).
It is essential to review your general liability policy’s coverage regarding limits and exclusions. For example, certain activities, property damage, misconduct or events may not be covered. Additional policies or endorsements may be available to help fill in these coverage gaps. Reach out to our agents to discuss which policies would best address your group’s risk profile.
How Much Does General Liability Insurance for PTAs Cost?
Many variables affect the cost of general liability insurance. When calculating a coverage cost, insurers will typically consider many factors, including the following:
- The PTA’s or PTO’s location
- The program’s size
- The organization’s claims history
- Selected coverages and limits
Reach out to us for a quote. We can discuss different options and coverages.
Contact Us for More Information
The experienced team at Bene-Marc can help your PTA or PTO build an insurance plan that meets your group’s needs, and we look forward to the opportunity to serve you. Contact us today to get started.
This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.