PTA Insurance For Special Events?

PTA Insurance For Special Events

If you are in charge of organizing your PTA’s special events, then you are probably going to have to learn how to keep a lot of different irons in the fire at once. After all, putting together such events takes time, money and a level head. 

Still, hosting any type of special event for your school means doing everything you can to ensure the event goes off without a hitch. You will have to bring in a lot of special materials, keep the proceedings moving and do everything you can to keep everyone safe. Clearly, it is going to be a big undertaking. 

Yet, even with all the preparations, you cannot prevent every accident. To be prepared for any eventuality, you must have a quality insurance benefits in the background, ready to help you out if a problem ever arises unexpectedly. Make sure your benefits are optimized for your company’s optimized needs.

Determine How To Structure Your Benefits to Your Advantage 

In schools across the country, PTAs are among the primary advocates for both students and teachers. They play vital roles in supporting the school as it works to engage with its community, raise money and provide a quality educational experience for all students. By hosting special events throughout the school year, many PTAs create fundraising and engagement benefits for schools and students. 

Many people mistakenly think that schools themselves are obligated to provide a PTA with the necessary asset and liability insurance benefits. While in some cases, schools do insure their PTAs and organizers under their own property and liability coverage,  

Many people think of PTAs as organizations within schools. Therefore, they assume that the school should provide any necessary asset and liability insurance for the group and its organizers. However, this might not always be the case.  

PTAs usually function as separate organizations, even though they are closely connected with the school itself. Therefore, you can think of the PTA as something of a hybrid organization. Yes, the PTA represents the students’ best interests. However, it might not necessarily represent the views of the school or district. Most don’t even receive any funding from the school, and most organizers are not school district employees. Therefore, while reflective of the school and its values, PTAs are not official representatives of the school. 

Therefore, the PTA will likely operate completely independently of a school in a business sense. As a result, the school’s insurance might not apply to it. PTA organizers therefore are usually responsible for enrolling in and paying for their own insurance benefits. In many cases, the PTA will be required by the school to obtain insurance before they receive permission to operate. 

Plus, even if the school offers coverage, it is never a bad idea to invest in organization-specific coverage anyway. If you carry a targeted policy specifically for your PTA, then you’ll have more of a guarantee that accidents occurring at special events will have appropriate coverage.