Event Insurance for PTA, PTO & Booster Clubs

How much does event insurance cost?

Coverage starts from only $65 per year.

What liability limits are available?

You can obtain liability limits of either $1,000,000 or $2,000,000 per occurrence and a $2,000,000 General Aggregate.

Is there a deductible?

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

What are “medical payments,” and what do they cover?

Medical payments are a separate part of the general liability policy with a $5,000 standard limit per person to help cover medical expenses outside a lawsuit. This is not health insurance coverage. Medical payments are secondary to the injured party’s personal health insurance.

Can we increase the medical payments limit?

Yes. An increased medical payment option of $10,000, $25,000, and $50,000 is available, with no deductible. Extended medical payments are an endorsement to general liability and are only available in combination with general liability.

What counts as a sponsored event under this policy?

A sponsored event is approved, scheduled, and planned by your organization, and the majority of the manpower must be provided by your organization’s members.

Are athletic events, babysitting, or after-school programs covered?

Coverage is not specifically excluded, but extra caution should be taken.

• Volunteer babysitting can be provided during meetings or sponsored events, with the precaution that two adult volunteers (18+) are in the room at all times. Paid babysitters are not covered.
• Athletic events such as fun runs, field day, and donkey basketball are covered as long as they are being run by your organization, but the policy does not cover athletic organizations that maintain a regular practice and competition schedule (examples given: football team or cheerleading squad).
• Many after-school programs, such as clubs, are covered if your organization organizes and manages the program. If the program is organized and managed by the school, it is not covered.

What activities are excluded?

Please review the exclusions list under General Liability (examples include archery, bungee jumping, automobiles/vehicular transportation, mechanical or motorized carnival rides, watercraft, and zip lining). Do liability waivers protect our organization from being sued?

Waivers don’t prevent liability, but they can help deter lawsuits. We strongly encourage waivers, but they are not required to extend coverage under the General Liability policy.

How do we request a certificate of insurance or add an additional insured?

You can request certificates and/or additional insureds by logging in with your insured number and password or by completing the General Liability Additional Insured Request Form. Note that adding a “certificate holder” does not extend coverage, while adding an “additional insured” means you share your limits with that party.

Is Host liquor liability covered?

Host liquor liability is not excluded under general liability policies. Coverage applies when alcohol is served by a party not in the business of manufacturing, distributing, selling, or serving alcohol. We recommend you ask for proof of liquor liability insurance if a venue or caterer sells alcohol at your event

Can we add coverage for social media or website-related issues?

Yes. AIM offers social media liability (media liability) coverage as a supplement to the general liability policy. It offers protection against liability tied to accidental misuse or disclosure on a website or social media platform, with limits available at $25,000, $50,000, $75,000, or $100,000.