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

AIM has worked diligently over the past couple of months to ensure that our PTAs are receiving the best coverage for their premium costs, and we are happy to announce the following changes in effect as of January 5, 2019:

  • Units, councils and districts will receive broader coverage for their events without the need for underwriting or additional premium on a case by case basis
  • Each PTA will now have its own $1 million limit for Directors & Officers coverage, rather than the $2 million aggregated limit which was shared by all 3600 units, councils and districts in 2018
  • Under General Liability, fire damage coverage has increased from $500,000 to $1 million
  • Additional activities such as inflatables, bounce houses and carnivals are now included in the standard coverage; however, please consult and follow California State PTA guidelines as outlined in the Toolkit

While there have been changes to some carriers, please note that there has been no change to limits or coverage except for broadened coverage as noted above. 

The 2019 Insurance Guide was revised in April 2019 to clarify some details of the policy. There have not been any changes to the policy itself. The revised guide can be downloaded through the link below.

DOWNLOAD THE GUIDE

INSURANCE BASICS & FAQs

Listen to the Q&A portion of the Insurance webinar.

FAQs

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 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 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.

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. See the Insurance Guide for the most recent form.

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 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 three copies of the completed Incident Report Form and distribute as follows:

  • Email a copy to: California State PTA at insurance@capta.org.
  • Email a copy to your district PTA president
  • Retain one (1) copy for your files

TO REPORT A CLAIM (not just an incident):

Or FAX to (214) 360-0802

  • Email copy to all three (3) of the above.