PTAs must have insurance. If a PTA does not have insurance it is not in good standing. This is not just a recommendation by the KY PTA but is a Kentucky law and part of Redbook.
"All external support/booster organizations are required to carry separate insurance for general liability with the appropriate coverage to operate their organization. External support /booster organizations are not covered by the district liability insurance." -Redbook (page 23)
Insurance
1) It is recommended that treasurers of external support/booster organizations be bonded.
2) All external support/booster organizations are required to carry separate insurance for general liability with the appropriate coverage to operate their organization. External support/booster organizations are not covered by the district liability insurance.
3) Proof of liability insurance coverage must be submitted to the principal prior to commencing any fundraising activities.
AIM Insurance specializes in providing insurance to PTA’s. With a focus in helping PTA’s for over 30 years, AIM understands the risks involved in running your organization and can help you choose the right coverage for your PTA. They have an excellent customer service team providing everyday support and guidance on best practices, and clear answers to all the questions that come up around protecting your PTA.
With over 23,000 parent teacher groups insured, and pricing as low as $50 annually, they have developed the following, 4 primary coverages which offer protection where you need it at special discounts only available to PTA’s: