Trusted by 24,000+ parent-teacher groups nationwide | Plans starting from $65/year
Parent Group Insurance
PTA Insurance
Affordable insurance tailored to your PTA Group
Most state PTAs and school districts require PTA insurance, and it is easy to see why. Your PTA makes a difference in the lives of the next generation. Still, your activities also create substantial liability and put you at risk for loss due to theft, injury, property damage, and many other issues at events, fundraisers, bake sales, and meetings, whether held on or off school property. That’s why AIM has created an affordable insurance program specifically tailored to the needs of PTAs like yours. Plans start from $65/year.
We make it easy for your PTA to obtain quality insurance covering everything from liability to property and more. 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 PTA. We also cover booster clubs of all types.
Protection from financial loss in the event of a claim
General liability and accident medical coverage in case of injury
Protect your property and funds from theft, embezzlement or loss
Directors and Officers Liability safeguards officers from legal action
FAQs of PTA Insurance
How much does it cost to protect my PTA?
| COVERAGE | PRICING PER YEAR |
|---|---|
| General Liability Insurance (Event Insurance) | Starting at $65 per year |
| General Liability Insurance (One Day Event Insurance) | Starting at $50 (one-time) |
| Fidelity Bond (Theft and Embezzlement Insurance) | Starting at $64 per year |
| Property Coverage (Inland Marine) | Starting at $95 per year |
| Directors & Officers Liability (Professional Liability) | Starting at $35 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 PTA 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. PTA Insurance not only protects your Organization but also protects you as an individual, especially when there is limited coverage through your homeowner’s insurance.
Teachers and administrators involved in PTA activities may also want to consider professional liability coverage for educators to protect their individual teaching careers.
What does PTA insurance cover?
PTA insurance shields your association from financial loss when claims arise from your events, activities, or the decisions of your leaders. It covers bodily injury, property damage, theft of funds, and personal liability. Without the right coverage, costs from an accident at a fundraiser, damage to third-party property, theft of/damage to the PTA’s assets, misconduct allegations, or stolen funds could fall directly on individual officers or drain your group’s treasury.
What kind of insurance does my PTA need?
Your PTA should consider these four coverages:
- Event insurance to protect the organization from financial loss, including general liability and medical payment coverage in case of injury
- Property coverage to protect against theft of or damage to assets
- Embezzlement insurance to safeguard funds that are stolen by an officer, volunteer, or courier
- Directors & officers liability to protect officers from personal legal action
What Does PTA Insurance Cover?
PTA insurance protects your parent-teacher association against claims of bodily injury, property damage, theft of funds, and personal liability arising from your events and activities or decisions made by your group’s leaders. If your PTA is found legally liable for an accident at a fundraiser, damage to a venue, inappropriate actions, or theft of funds, the right coverage prevents those costs from falling on individual officers or the group’s treasury.
A comprehensive PTA insurance policy from AIM includes:
- General liability: protects against lawsuits if someone is injured at a PTA event and holds your organization legally liable for bodily injury or property damage to third parties.
- Accident medical coverage: pays medical expenses for injuries sustained at covered PTA events, regardless of fault.
- Fidelity bond (embezzlement protection): covers theft of funds by trusted officers, volunteers, or couriers.
- Property coverage: protects equipment, auction items, fundraising supplies, and organizational assets.
- Directors and Officers liability: protects your board members from personal legal exposure due to decisions they make on behalf of the organization.
Coverage applies to events, fundraisers, bake sales, and meetings held on or off school property.
What kind of insurance does my PTA need?
Event Insurance
General Liability Insurance
General Liability coverage protects you from lawsuits if someone is injured at one of your organization’s activities (including fundraisers, bake sales, and meetings held on or off school property) and holds you responsible. Covers bodily injury and property damage to third parties.
Explore PTA Event InsuranceProtect 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 PTA Property
Get your PTA fully covered
Our singular focus and unparalleled experience help protect your PTA from unforeseen circumstances, and our PTA insurance coverage makes it easy for you to shop for a plan that is right for your group.
Since 1989, AIM has been the trusted insurance partner for parent-teacher associations across the country. We understand the unique risks that come with running a volunteer-led organization because we have spent decades building programs specifically for groups like yours. We do not offer one-size-fits-all commercial coverage. Every plan we offer is built around the real-world needs of PTAs, booster clubs, and school parent groups.
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 PTA. Whether it is a slip-and-fall at a fundraiser, an officer accused of mismanaging funds, or equipment stolen before the school carnival, AIM has you covered. Our policies are straightforward, affordable, and designed to activate when you need them most.
Trusted by 23,000+ parent-teacher groups nationwide since 1989.
Serving PTAs in All 50 States
AIM insures parent-teacher associations, booster clubs, and school parent groups across the country, from small rural school districts to large suburban districts with hundreds of active volunteers. Whether you are in Texas, California, Florida, New York, or anywhere in between, we have a coverage plan designed for your group.
Every state has its own requirements, and many state PTAs and school districts now mandate that local units carry their own insurance policy. AIM works with groups in all 50 states to make compliance simple. Our coverage meets the requirements of major state PTA organizations, and our team is available 24/7 to help you understand exactly what your district or venue requires.
We cover PTAs, booster clubs, parent-teacher organizations, and educational foundations of every size. Whether your group has 10 members running a single annual fundraiser or 200 volunteers managing year-round activities, we have a plan that fits your budget and your risk profile.
Not sure where to start? Call us at 1-800-876-4044 or get a quote online in minutes. Our team will walk you through your options and help you find the right coverage for your group, your state, and your school community.