PTA Leaders

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. As of October 23, 2018, California State PTA changed insurance brokers to AIM Association Insurance Management Inc.

Insurance is handled by both a broker (policy services) and a carrier (policy that provides coverage and pays claims). There is no change to your current carrier coverage, limits or premiums; and there is no lapse in coverage. California State PTA provides Comprehensive General Liability coverage with a $1,000,000 limit that covers all unit, council and district PTAs in the state when involved in allowable PTA activities. Only the insurance broker has changed.

We thank you in advance for your patience as we transition through this period.

INSURANCE FAQs

KEY INSURANCE INFORMATION

  • PTA’s insurance broker is now AIM Association Insurance Management Inc.
  • Insurance coverage, limits and premiums remain in effect – your unit and your members are covered by PTA insurance under the existing policy until January 5, 2019
    • Your PTA does not need a new Certificate of Insurance for the current policy term
  • Only the insurance broker has changed
  • AIM will handle all service needs including certificates, approved vendors lists, additional insured, coverage questions, questions about existing/open claims and more
  • Any new claims should be reported to AIM
  • Please continue to follow all guidelines and requirements in the existing Insurance and Loss Prevention Guide as the policies remain in place. California State PTA and AIM will be providing an updated guide soon for coverage beginning January 2019.

CONTACT AIM TODAY

AIM has a rich and deep understanding of PTA and has partnered with 47 state PTA’s for more than 30 years. As part of the new service, AIM has an experienced team that will be available to support your local PTA 24/7 including weekends.

Insurance and Loss Prevention Guide

The 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 pages 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 page event and someone is injured because of PTA negligence, the individual PTA officers could be held personally liable.

Approved Vendors

Our policy also is only meant to cover members of PTA while doing activities for the PTA. It is critical that outside vendors/concessionaires/service providers have their own insurance to reduce the possibility the PTA unit will be held liable for the activity.

Hold Harmless Agreements and Evidence of Insurance

PTAs are required to obtain a Hold Harmless Agreement and Evidence of Insurance from each vendor, concessionaire or service provider that is used.

  • Hold Harmless Agreement – English

NEVER sign a Hold Harmless Agreement or Indemnity Clause on behalf of unit, council or district PTA until the California State PTA Insurance Broker, AIM, has been contacted. If facilities other than school premises are used, you may be asked to provide Evidence of Insurance. A certificate is available by reaching out to AIM. If an Additional Insured is requested to be named on the PTA policy, please call California State PTA insurance broker with the details. Any contract with another organization must be read carefully and must be signed by two elected officers of the PTA after a vote of approval by the membership.

COVERAGE FOR 2019-2020

 Every year, California State PTA negotiates insurance policies with carriers to ensure you have the best possible coverage and services. The new policy period covers January 5, 2019 through January 4, 2020. Insurance premium payments must be sent through appropriate channels (PTA unit to PTA council to PTA district) in order to be received in the California State PTA office no later than December 20, 2018.  Find more information in the Financial Mailing Part 1.

 

DESCRIPTION COST

Unit Premium

Includes mandatory coverage of General Liability and Umbrella, Directors and Officers Liability, Fidelity Bond and Workers’ Compensation Insurance.

 

 

$232

Council Premium

Includes mandatory coverage of Directors and Officers Liability, Fidelity Bond and Workers’ Compensation Insurance.

 

$160

District Premium

Includes mandatory coverage of Directors and Officers Liability, Fidelity Bond and Workers’ Compensation Insurance.

 

$160

Late Fee

After December 20, 2018, a late fee of $25 will be assessed by California State PTA. There is no grace period

 

 

$25

The above premiums do not include the 5 percent surcharge that PTAs with gross payments in excess of $1,000 must pay for Workers’ Compensation Insurance.

Units and councils DO NOT send insurance premium payments directly to California State PTA. Submit payments through appropriate channels (unit to council to district). Out-of-council units are to remit payment to districts. After December 20, 2018 a late fee of $25 will be assessed by and payable to California State PTA. There is no grace period.

Units – comply with your council and district PTA due dates. Send your insurance premium payment through channels to next level of PTA. For additional information, please contact your council or district PTA.

PROCEDURES FOR REPORTING INCIDENTS AT PTA EVENTS

The Incident Report Form must be completed for every incident and accident that occurs. Please refer to the Insurance and Loss Prevention Guide for detailed procedures. It is important you have full/complete information, but you must not give the impression that because you have completed an Incident Report Form that the PTA is responsible and will “take care” of the injured party. Make four copies of the completed Incident Report Form and distribute as follows: