As with any business, you as an officer of your Parent Teacher group can be sued for decisions that you make individually or as an Organization. These can include what type of fundraiser to have, where to hold an event or any other managerial decisions.
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.
AIM also offers educators’ professional liability insurance for teachers and administrators who need individual E&O protection beyond what their school provides.