Aren’t we covered under our school’s policy?

More and more frequently the answer is no, your parent teacher groups are NOT covered under the school’s insurance policy. There are some schools out there, however, who might still provide coverage for parent teacher groups under their policy, but be advised this coverage is usually limited. We strongly encourage you to give your school a list of your activities and be very specific. Don’t just ask if your carnival is covered, go into great detail and list things like moon walk, dunking tank, face painting, pony rides, etc., and get a written letter from the school stating that all of your activities are covered. Some policies only cover the parent teacher group for events during school hours and on school campus. Every school is different. While your particular school may extend some form of coverage, in most cases that coverage is limited and only includes general liability, leaving your organization’s property unprotected.

When will my one day event insurance coverage go into effect?

Your policy will be effective the first date of your event provided AIM receives of following: the completed application, supporting documentation, such as signed Affidavits if necessary, and correct premium for coverage on or before that date.

Aren’t parent teacher groups immune from liability?

This is a common misconception but parent teacher groups are NOT immune from liability. It is favorable to be incorporated, but there have been many situations where the “corporate shield” that being incorporated provides, has not helped in preventing a lawsuit.

Does single event insurance fulfill venue requirements for parent organizations?

Most venues require groups to have General Liability (Event insurance) before an event can be held at their facilities, in which case, AIM’s one day event coverage provides the same coverage as annual General Liability coverage.