INSURANCE COVERAGE AND SERVICE
California State PTA is committed to ensuring you have the best possible insurance coverage and service to protect your unit and your members. Our insurance broker is AIM (Association Insurance Management Inc.), who works to ensure that our PTAs are receiving the best coverage for their premium costs. Coverage features include:
- Broad coverage for events without the need for underwriting or additional premium on a case by case basis
- $1 million limit per PTA for Directors & Officers coverage
- Under General Liability, fire damage coverage of $1 million
- No to low deductibles on all included coverages
- Additional activities such as certain types of inflatables, bounce houses and carnivals are included in the standard coverage; however, please consult and follow California State PTA guidelines as outlined in the Toolkit and the Insurance Guide
Download the current guide through the link below to learn more about how California State PTA provided insurance protects your PTA. The guide is also available in Spanish here.
PTA INSURANCE GUIDE
The PTA insurance policy protects all members of the PTA in case they are held legally liable for bodily injury or property damage to another person that resulted from a covered PTA event. This is not a medical policy, but a policy that pays because you are legally liable.
If someone is injured, but the injury is not the result of PTA negligence, the individual should utilize his/her medical insurance for coverage. The policy is designed to cover allowable PTA events. Our PTA insurance does not provide any coverage for booster clubs, parent clubs or any non-PTA event. It is critical that before planning any PTA activities the RED, YELLOW and GREEN list included in the insurance guide be reviewed. Certain activities and events are prohibited because they are excluded by the insurance policy or because they are dangerous or jeopardize the safety of our children and youth. If the PTA sponsors a RED event and someone is injured because of PTA negligence, the individual PTA officers could be held personally liable.