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PTO / Booster Club / PTA - Professional Liability

Directors and Officers Liability

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Protect the decisions you make from liability.

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.

Directors and Officers Liability coverage protects the organization from lawsuits for “wrongful acts.”

This coverage is also referred to as Professional Liability. The coverage limit is $1,000,000 with a $0 deductible.

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Coverage Highlights

The Directors and Officers Liability policy provides $1,000,000 to cover decisions you make as an officer. Other things that might fall under this coverage are:

  • Inappropriate use of Organization funds
  • Wrongful acts, misleading statements, or negligent acts
  • Discrimination
  • Not following your by-laws
  • Misrepresentation

This list is not all-inclusive. If you have a question about a specific situation and are inquiring if coverage is provided please call AIM at 1-800-876-4044

Exclusions

There are certain exclusions that within your Directors and Officers Liability policy. The following are specifically excluded items:

  • Criminal acts
  • Any knowingly wrongful act
  • Willful or reckless behavior
  • Dishonesty

This list is not all-inclusive. If you have a question about a specific situation and are inquiring if coverage is provided please call AIM at 1-800-876-4044.

Directors and Officers Liability Deductible

There is a $0 deductible for a claim filed under this policy.


Resources

  • Quick Reference Guides
  • Need Insurance? Start Here
  • Report a Claim
  • Sample Forms
  • Additional Insureds
  • Proof of Insurance (Certificates)
  • Description of Coverage
  • AIM Playlist of Events
  • Insurance Guide

Insurance Programs

  • PTA Insurance
  • PTO Insurance
  • Booster Club Insurance
  • Parliamentarian’s Professional Liability
  • Delta Kappa Gamma
  • Dollars For Scholars
  • Educator’s Professional Liability
  • Parent Booster USA
  • Educational Foundation
  • All Pro Dads
  • Single Event Coverage
  • NSFA – National School Foundation Association

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  • Insurance
    • PTA Insurance
      • Event Insurance
      • Embezzlement Insurance
      • Protect Your Property
      • Directors and Officers Liability
    • PTO Insurance
      • Event Insurance
      • Embezzlement Insurance
      • Protect Your Property
      • Directors and Officers Liability
    • Booster Club Insurance
      • Event Insurance
      • Embezzlement Insurance
      • Protect Your Property
      • Directors and Officers Liability
    • Other Programs
      • Parliamentarian’s Professional Liability
      • Delta Kappa Gamma
      • Dollars For Scholars
      • Educator’s Professional Liability
      • Parent Booster USA
      • Educational Foundation
      • All Pro Dads
      • Single Event Coverage
      • NSFA – National School Foundation Association
  • FAQs
  • Resources
    • Quick Reference Guides
      • Why Does My Parent Group Need Insurance?
      • Top Ways to Protect Your Organization Against Embezzlement
      • Top 10 Ways to Reduce Your Liquor Liability Exposure
      • Top 10 Things You Should Know About Insurance
      • Covered and Excluded Events
      • Reviewing Your Policies
    • Need Insurance? Start Here
    • Sample Forms
    • Description of Coverage
    • AIM Playlist of Events
    • Insurance Guide
    • Additional Insureds
    • Proof of Insurance (Certificates)
    • Report a Claim
  • Blog
  • Log In
  • Contact
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