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Parent Group Insurance

PTO Insurance

Get a quote and buy your PTO insurance online in just minutes!

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An outstanding insurance program focused on your PTO Group

When your PTO group puts on wonderful events like school carnivals and picnics, you probably don’t worry about insurance – but you should. It’s vital that you and your group be protected against potential risks. That’s why AIM offers an insurance program focused on the specific needs of PTO groups like yours.

The fact is that your group could be held liable for injuries, theft, property damage and other such risks related to your events – and being sued could ruin you financially. AIM makes it easy and affordable for your group to obtain quality insurance covering everything from property to liability and more.

Trust the professionals at AIM to provide you with the ideal solution for your group’s unique insurance needs.

General liability and accident medical coverage in case of injury

Protect your property and funds from theft, embezzlement or loss

Protection from financial loss in the event of a claim

Directors and Officers Liability safeguards officers from legal action

Get a Quote and Buy Online In Just Minutes!

FAQs of PTO Insurance

insurance for your pto group

How much does it cost to protect my PTO group?

COVERAGEPRICING PER YEAR
General Liability Insurance (Event Insurance)Starting at $85 per year
General Liability Insurance (One Day Event Insurance)Starting at $50
Fidelity Bond (Theft and Embezzlement Insurance)Starting at $85 per year
Property Coverage (Inland Marine)Starting at $100 per year
Professional Liability (Directors & Officers Liability)Starting at $50 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 PTO 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. PTO Insurance not only protects your Organization but also protects you as an individual, especially when there is limited coverage through your homeowner’s insurance.

What kind of insurance does my PTO group need?

Event Insurance

General Liability Insurance

General Liability coverage protects you from lawsuits if someone was injured at one of your organization’s activities and held you responsible.

Learn More

Embezzlement Insurance

Bond Coverage Insurance

It covers anyone who your organization trusts with the money (President, Treasurer, board member, volunteer or courier). If that person runs off with your money, AIM replaces those missing funds.

Learn More

Directors and Officers Liability

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.



Learn More

Protect 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).

Learn More

PTO Insurance Resources

embezzling insurance for your pto group
Top 10 Ways to Protect Your Organization Against Embezzlement
alcohol liability in pto events
Top 10 Ways to Reduce Your Liquor Liability Exposure
pto group events covered by insurance
What PTA events are covered by our insurance?
how to review your pto insurance policies
Reviewing Your Insurance Policies: What Do You Really Need?

Get your PTO fully covered

Our singular focus and unparalleled experience help protect your PTO group from unforeseen circumstances, and our PTO insurance coverage makes it easy for you to shop for a plan that’s right for your group.

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 PTO.

Get a Quote and Buy Online In Just Minutes!


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

Connect

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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
AIM