PTO / Booster Club / PTA - General Liability Insurance

Event Insurance

Get a quote and buy event insurance online in just minutes!

Get a Quote

We cover more events than any other insurance carrier.

Starting from only $65 per year.

School Carnivals

Fundraisers / Galas

Fun Runs

Cookouts

Protect your event from any potential liability

AIM Insurance offers one day event insurance and annual event insurance coverage for your parent group organization including PTOs, PTAs and Booster Clubs.

A Medical Payments limit of $5,000 is included in every General Liability Policy. Options for increased Medical Payments limit are $10,000, $25,000, and $50,000, with no deductible.

$1,000,000 or $2,000,000 liability limits with no deductible

Protection from lawsuits if someone was injured at one of your organization’s activities and held you responsible

Protection from lawsuits if someone was injured at one of your organization’s activities and held you responsible

Social Media liability is also available as a supplement of your General Liability policy.

Always think about Liability in these terms:

“It’s YOUR fault that my child was injured at the Carnival.”

Supplements to your General Liability Policy

Extended Medical Payments

Our General Liability policy includes a $5,000 provision for Medical Payments. If you have a claim above $5,000, the injured party could sue your Organization for any amounts incurred.

The Medical Payments component provides additional coverage for out of pocket medical expenses and helps deter lawsuits. Extended Medical Payments coverage is an endorsement to the General Liability and is only available in combination with General Liability.

Extended Medical Payments Coverage Limits

Extended Medical Payments coverage is available for purchase in the following Increased Limit Options:

$10,000
$25,000
$50,000

Media Liability

As a supplement to your General Liability policy, we also offer Social Media Liability Coverage.

This coverage is designed to protect you from liability in the event you accidentally misuse or disclose information on your website or other social media site. This includes misuse of the logo, copyright, pictures, confidential information, and other misrepresentations or misappropriations.

Coverage highlights:

Invasion of privacy by posting a photograph that has not been released for use.
Infringement of copyright, trademark, or logo, when you accidentally post something.
Could someone feel you misrepresented details of your event and hold you responsible?
Do you make public ANY information that could be considered confidential? You could be held liable for disclosing confidential information.

These are just some of the innocent mistakes made every day by well-intentioned people.

Media Liability Limits:

Media Liability is available for purchase in the following Limit options:

$25,000
$50,000
$75,000
$100,000

What you need to know about Event Insurance

(General Liability Insurance)

Bodily Injury and Property Damage

Bodily Injury & Property Damage are covered in 2 parts under your General Liability policy:

Liability – $1 or $2 million per occurrence and a $2 million General Aggregate to cover damages for bodily injury or damage to property of others.
Medical Payments – $5,000 standard limit per person to cover medical expenses (outside a lawsuit.) Higher limits available.

The Liability portion will come into effect for lawsuits in which your Organization is being sued for bodily injury or property damage of others. You have up to $1 or $2 million (depending on the policy you choose) per occurrence per policy period to compensate for any judgments made against you.

The Medical payments portion will come into effect for minor medical injuries that are sustained by a volunteer of your Organization, a board member, or a third party at one of your Organization’s sponsored events.

This is by no means a health insurance policy. The medical payments clause of your liability policy will pay secondary to any personal health insurance that the injured party may have.

Medical Payments coverage helps protect your Organization and its members by deterring a lawsuit while helping the injured party cover out of pocket expenses they may incur in seeking treatment.

Exclusions

The following is a list of specifically excluded items under General Liability:

Archery
Automobiles & Vehicular Transportation of Any Type*
Asbestos Exposure
Bungee Equipment or Bungee Jumping
Athletic Activities- organized sports including (but not limited to) sport clubs, sports camps, municipality teams, school teams (public or private), sports leagues, college teams or professional teams
Hot Air Balloons
Lead Exposure
Mechanical/Motorized Rides at Carnival*
Nuclear Exposure
Parasailing
Rocketry
Scuba Diving
Scouting
Watercraft*
Weapons, including but not limited to guns, knives, Swords, bows, axes and slingshots/catapults
Workers Compensation Claims
Zip Lining

*Note: While the asterisked events are excluded in the event of a lawsuit, Medical Payments coverage may be available.

Proceed with Caution

The following activities are those which ARE covered under your General Liability insurance policy, but we ask that you follow the outlined precautions to limit the risk of a claim.

Volunteer Baby Sitting – Babysitting is something that you may provide during Parent Teacher group meetings or sponsored events. We ask that you have two adult volunteers (18 years or older) in the room at all times. This dual rule is in force to protect against any molestation claims, to provide a second witness to rule out false claims, and to provide extra assistance in the case of an emergency. Paid baby sitters are not covered under this policy.
Athletic Events – Your General Liability policy covers athletic events such as fun runs, field day, and donkey basketball as long as they are being run by your Organization. Your General Liability policy does not cover athletic organizations which maintain a regular practice and competition schedule such as a football team or cheerleading squad. Your Parent-Teacher group insurance policy is only meant to cover those 1 or 2-day events that your Organization runs…not the football team, the cheerleading squad, or the band.
After School programs – Your General Liability policy covers your after-school programs. For the after school program to be considered your program your Organization must both organize, and manage the program. If your Organization participates in an after school program that is organized and managed by the school, that program is not covered.

Liability Waivers

We receive many calls from Parent Teacher Groups asking about “waivers” of liability. It is very important to be aware that you can never sign your liability away regardless of any document or waiver. A waiver will not hold up in court if your Organization is found at fault for an injury occurring at one of your events.

However, a waiver is a tool used to help deter the lawsuit mindset. By having all participants sign a waiver, you are helping to plant the seed that the participant is responsible for their own actions.

While a waiver isn’t a requirement to extend coverage under the General Liability policy, it is a step in the right direction to help protect your Organization against bodily injury lawsuits.

Parent's Approval and Student Waiver

This would be used anytime you need a person under the age of 18 to sign for a specific event.

Download

Participant’s Waiver

This would primarily be used anytime you want someone over the age of 18 to sign for a specific event.

Download

Additional Insureds

You may request Certificates and/or Additional Insureds by logging with your insured number and password OR completing the General Liability Additional Insured Request Form. Please note that some requiring entities may just ask that you add them as a “certificate holder” which does not extend any coverage to them.

As a precaution, you must know that adding someone as an Additional Insured means you share your limits with someone else under your policy.

For example, let’s say you have a fun run at the city park and the park requires you to add them on as an Additional Insured. If the park gets sued because of something that happens at your event, your policy would provide defense for both your Organization and the park, and you would SHARE total limits under your GL policy.

Host Liquor Liability

Host Liquor Liability is NOT excluded under General Liability policies. Host Liquor Liability is defined as bodily injury or property damage arising out of the serving or distribution of alcoholic beverages by a party not engaged in this activity as a business enterprise. A liquor store or bar would be an example of a business enterprise serving or distributing liquor.

The liability policies protect you when you host parties and events where alcohol is served. There is coverage whether you give the alcohol away or charge for it. No matter where the party is actually held, your liability insurance goes with you.

The act of hiring a caterer to serve food and alcohol does not exclude your Host Liquor coverage. However, if you cater the event and the venue or caterer sells the alcohol, then they assume the liquor liability exposure.

You should verify that they have liquor liability insurance by requesting proof of insurance.

General Liability Deductible

There is no deductible for a claim filed under this policy.

Get a Quote and Buy Online In Just Minutes!

Event Insurance Resources

reduce your liquor liability at your next event