How much does PTO insurance cost?

For independent PTOs, General Liability starts at $85/year, Fidelity Bonds at $85/year, Property Coverage at $100/year, and D&O Liability at $50/year.

Is my PTO covered by the school's insurance?

Typically, no. PTOs are independent organizations. Most school district policies exclude parent groups or limit coverage to school-hours events only.

Why does a PTO need its own insurance?

Because PTOs are independent entities, officers can be held personally liable for accidents or financial mismanagement. Independent insurance protects the group's funds and the volunteers' personal assets.

Parent Group Insurance

PTO Insurance

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An outstanding insurance program focused on your PTO Group

PTO (parent-teacher organization) insurance is specialized coverage that protects school parent groups, their officers, volunteers, and funds from claims that arise during fundraisers, school events, and day-to-day operations. If you lead or participate in a PTO, PTA, or booster club, this page covers the insurance options available to your group.

When your parent-teacher organization puts on wonderful events like school carnivals and picnics, you probably don’t worry about insurance, but you should. You and your group must be protected against potential risks. That’s why AIM offers an insurance program focused on the specific needs of PTO groups like yours.

The fact is that your group could be held liable for injuries, theft, property damage, and other such risks related to your events, and being sued could ruin you financially. AIM makes it easy and affordable for your group to obtain quality insurance covering everything from property to liability and more.

Trust the professionals at AIM to provide you with the ideal solution for your group’s unique insurance needs.

General liability and accident medical coverage in case of injury

Protect your property and funds from theft, embezzlement or loss

Protection from financial loss in the event of a claim

Directors and Officers Liability safeguards officers from legal action

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FAQs of PTO Insurance

How much does it cost to protect my PTO group?

COVERAGE	PRICING PER YEAR
General Liability Insurance (Event Insurance)	Starting at $85 per year
General Liability Insurance (One Day Event Insurance)	Starting at $50
Fidelity Bond (Theft and Embezzlement Insurance)	Starting at $85 per year
Property Coverage (Inland Marine)	Starting at $100 per year
Professional Liability (Directors & Officers Liability)	Starting at $50 per year

Aren't we covered under the school policy?

Some policies only cover the parent-teacher group for events during school hours and on the school campus. Other school districts are removing PTO groups from their school’s insurance policy.

Every school is different, therefore our best advice is to give your school a list of your activities and be very specific. Don’t ask if your carnival is covered. Instead, go into great detail and list specific activities such as moonwalks, dunking tank, face painting, pony rides, etc. Always get a written letter from the school stating that all of your activities are covered.

We are just a parent group; who would sue us?

Contrary to common belief, Parent Teacher groups are not immune from liability because of their non-profit status. You, as an individual member or officer of your Organization, could be held personally liable for an accident that occurs at one of your events. PTO Insurance not only protects your Organization but also protects you as an individual, especially when there is limited coverage through your homeowner’s insurance.

Educators who participate in PTO activities should also explore liability protection for educators to safeguard their teaching careers from individual claims.

Does this coverage apply to PTAs and booster clubs, too?

Yes. AIM coverage applies to parent-teacher Organizations (PTOs), parent-teacher associations (PTAs), booster clubs, and educational foundations. PTAs and PTOs operate similarly as independent, volunteer-run school parent groups and carry the same liability exposures. Whether your group files as a PTO or PTA, you qualify for the same general liability, fidelity bond, directors and officers, and property coverage options. Booster clubs supporting sports teams or performing arts programs are also eligible.

What kind of insurance does my PTO group need?

Event Insurance

General Liability Insurance

General Liability coverage protects you from lawsuits if someone is injured at one of your organization’s activities and holds you responsible. Coverage extends to third-party bodily injury and property damage claims arising from negligence, and includes protection for your PTO’s volunteers. Policy limits start at $1,000,000 per occurrence and $2,000,000 in aggregate.

Covered events include: school carnivals, bake sales, silent auctions, school picnics, fundraiser runs, teacher appreciation events, spirit nights, and other fundraising activities organized by your group.

explore PTO event insurance

Embezzlement Insurance

Bond Coverage Insurance

It covers anyone who your organization trusts with the money (President, Treasurer, board member, volunteer or courier). If that person runs off with your money, AIM replaces those missing funds.

PTO embezzlement protection

Directors and Officers Liability

If someone sued the officers of your organization for mismanagement, misrepresentations, dissemination of false or misleading information, or inappropriate actions, this coverage would pay to defend you. D&O liability covers up to $1,000,000 in defense costs and settlements, with no deductible.

PTO D&O liability coverage

Protect Your Property

Inland Marine (Business Personal Property) Insurance

Protect your raffle merchandise, auction items, and fundraising supplies while in your possession. This coverage also protects any personal property of your organization (popcorn machines, snow cone makers, etc).

protect PTO property

What Could Go Wrong Without PTO Insurance?

Most PTO leaders never expect to need insurance until they do. Here are three real scenarios that show why coverage matters for every school parent group:

Scenario 1: Injury at a School Carnival

A child trips on equipment at your annual carnival and breaks their arm. The family files a bodily injury claim against your parent-teacher organization. Without general liability insurance, your PTO could be liable for medical bills and legal fees. With AIM coverage, the claim is handled, and your group is protected.

Scenario 2: Treasurer Embezzles Fundraiser Proceeds

Your PTO raises $8,000 at a silent auction. The treasurer disappears with the funds. Without a fidelity bond, that money is gone. AIM’s embezzlement insurance covers theft by any person your organization trusts with its funds, including board members, volunteers, and couriers.

Scenario 3: Officer Sued for a Decision Made in Good Faith

A parent sues your PTO board, taking issue with the choice to spend funds raised by the group on a new playground. Directors and officers liability coverage steps in to cover your legal defense, protecting officers from out-of-pocket costs arising from claims of misrepresentation or breach of duty.

These scenarios are not hypothetical. They happen to parent-teacher organizations across the country every year. AIM has protected more than 24,000 groups since 1989.

Want more examples? Read: PTO Insurance Myths Debunked

Why Choose AIM?

If you have compared school group insurance options, you may have seen PTO Today Insurance near the top of your search results. Here is how AIM compares:

Feature

Specialty focus

Online quote and purchase

Volunteer coverage included

Embezzlement/fidelity bond

Directors and Officers liability

Experience

AIM Insurance

PTOs - PTAs - booster clubs. educational foundations

Yes - in minutes

Yes

Yes - standalone option

Established in 1989 - 24 000+ groups protected

Other Insurers

PTOs and PTAs

Yes

Varies by plan

Available as an add-on

Partnered program

AIM is a dedicated school group insurance specialist. We only work with educational support groups. Our programs are built specifically for parent-teacher organizations, PTAs, booster clubs, and educational foundations.

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Get your PTO fully covered

Our singular focus and unparalleled experience help protect your PTO group from unforeseen circumstances, and our PTO insurance coverage makes it easy for you to shop for a plan that’s right for your group.

When you obtain insurance through AIM, you can rest assured that you are protected from potentially catastrophic financial losses that can result from claims related to the various events organized by your parent-teacher organization.

AIM also provides coverage for PTAs, booster clubs, and educational foundations under the same streamlined program. If your school parent group operates as a 501(c)(3) nonprofit or volunteer organization, AIM’s policies are designed to fit your needs.