PTO Today and Additional Insurance Coverage Amy Buckley, Presidents’ Forum Treasurer Kary Bachert, Presidents’ Forum VP
Is your PTO covered under general liability insurance for? Inflatables Dunking Booths Bounce Houses Carnival Rides Alcohol at events Kickball Bowling Laser Tag Dodge Ball
Rockwood Pays for your PTO at the Entry Level
PTO Today Coverage for Rockwood PTOs-Entry Level District Provided General liability (GL) policy: This policy should cover third-party bodily injury and property damage claims that occur during activities both on and off school property. “Third party” means non -participant, such as if someone who is walking by the baseball toss gets hurt by a stray ball. If you have an unusual or large event, such as a festival or fun run, make sure that the general liability policy covers all activities at the event. For example, if your school PTO is planning a fundraising festival that includes a baseball toss, ring toss, fortune-telling, magic shows, and an auction, check that the PTO’s liability policy covers any accidents or claims related to all these activities.
PTO Today Coverage for Rockwood PTOs-Entry Level District Provided Accidents and injuries can result in significant medical costs. Excess Accident Medical insurance provides excess medical coverage to participants in PTO sponsored events in the case of injury to the participant. The coverage is excess to any primary medical insurance the participant or the participant's guardian (in the case of a minor) may have in place. $25,000 annual limit. Note: Excess Accident Medical insurance does not replace the need for a General Liability policy. ***See list of covered events. This only applies to those events.
INSURANCE POLICY
Activities that are covered under general liability 5k/10k Walk/Run Cow Bingo Pizza Night Dances (on school premises) Ring Toss All Night Lock-Ins Easter Egg Hunt Science Fairs Animal Rides(tethered or led) Egg Toss Spelling Bees Arts & Crafts Activities Face Painting Talent Shows Auctions Family Portraits Touch a Truck (only if vehicle is stationary) Farmer's Market (on school premises) Trivia Night Babysitting at PTO Fashion Shows Walk-a-thon Meetings Fishing (from land) Water Balloon Toss Bake or Food Sales Food Sales Yard/Rummage Sale Balloon Artists Fortune Telling Skating Rink (Roller and Ice) – Indoor Rink Only * Fun Runs Band Concerts Swimming Pool Party (with lifeguard only)* Gift Wrapping Bazaars *If you have any of these activities at the vendor’s Golf Tournaments* venue, the vendor must have appropriate Bean Bag Toss Grad Nights insurance and it is strongly recommended that Beautification Projects (no construction) Haunted Houses (on school Premises) your parent group be listed as and additional Horse led Hayrides (no vehicles) Bike Safety insured on the vendor’s policy. Hobby Shows Book Fairs Ice Cream Socials - Jail Auction Bowling (offsite)* Jog-a-thon Broom Hockey (on school premises) Karaoke Line Dancing Cake Walks Litter Cleanup Candy or Wrapping Paper Sales Magic Shows Carnivals (with exceptions) Math Fairs Car wash Miniature golf (on school premises) Childcare (at a PTO event) Miniature golf (offsite)* Movie Night (inside) Colored Sand Painting Movie Night (outside) Community Forums Open Houses Concession Stands Parades (no vehicles) Cookout (grilling equipment used) Parent Education Workshop - Performing Arts Confetti Eggs Petting Zoos Costume Parties Picnics Events with over 800 participants require the underwriter to take a look at the policy!!!! insurance@ptotoday.com or call 1-800-557-2670
PTO Today GL Does Not Cover General Liability coverage is excluded for the Campfire/Bonfire Camping following events. If you are planning to offer Dunking Booths any of these events, you must purchase special Fireworks Hang Gliding event coverage, which can be purchased Haunted Houses separately. (For special events coverage, Inflatables – any kind please contact PTO Today at 800-557-2670 or Playground Construction Polar Plunge Arthur J. Gallagher at 314-800-2223.) For events Pyrotechnic Displays or held on District property requiring special Race Track Risks Velcro Jumps events coverage, please provide a copy of that Watercraft coverage to the Finance Department well in Water Skiing advance of the event. Workers Compensation Claims school premises) Hot Air Balloons Inflatable Slides Aircraft Rides at Carnival Alcohol at functions with 3rd party Moon Walks Kickball Motorsports Laser Tag Nuclear Exposure Lead Exposure Organized Athletic Events Luge Paintball Mechanical/Motorized Parachuting Rock Climbing Walls – Rocketry Parasailing Type Rodeo Saddle Animals Skateboarding Skiing This list is not all inclusive. Please contact PTO Snowboarding Today at insurance@ptotoday.com or call 800- Snow Tubing Swimming (open water) 557-2670, if you have a question about whether Tobogganing your event is covered. Asbestos Exposure Automobiles Baseball/Softball Toss Bounce Houses Bungee Jumping
Rockwood Procedures For any event that is on Rockwood School District property that is NOT covered by General Liability, a PTO must …. 1. Apply for special event insurance 2. Have Rockwood & their school PTO listed as additional insured on the vendor’s policy 3. Submit a copy of this insurance certificate to the school building usage secretary to be submitted to Rockwood Finance prior to the event.
Athletic & Sporting Events Athletic/Sports Activities or Events: Athletic, sports, and physical type activities or events represent extremely high potential liability to a Parent Group, and have a very high participant child and adult injury incident rate. Injuries to athletic/sports participants are not covered under this policy. The policy will not defend the Parent Group against a negligence lawsuit resulting from athletic or sports activities. Types of activities referred to within this section include but are not limited to aerobics, baseball, basketball, cheer leading, football, gymnastics, martial arts, swimming, tennis, track and field, volleyball, or any enrichment class or event involving athletic or physical type activities. The only exceptions to the Athletic/Sports exclusion are: bowling, 5K Run/Walk, Walk-A-Thon, Jog-A- Thon, Fun Run, a golf tournament, or an ice or roller-skating party (indoor rink facility).
Regarding events that require special event insurance … If you hire a vendor to If you have any of these provide any activities that activities at the vendor's are not covered under venue, the vendor must General Liability at your have appropriate event, there must be insurance and it is strongly supervision and the recommended that your vendor must have parent group be listed as appropriate insurance an additional insured on and name your parent the vendor's policy. Also, group as an additional purchase special event insured on the vendor's insurance if underwriter policy. Also, purchase recommends. special event insurance if underwriter recommends. OR
Here is where you need to be listed as additional insured on a venue’s/vendor’s policy
What about events with alcohol? Any time liquor is at a PTO sponsored event you do need to fill out a questionnaire/form and email it back to PTO today for insurance review. BYOB-NO COVERAGE! Ticket includes drinks-Considered Host coverage. Coverage pending underwriting approval of safeguards. Also, be careful of state law and liquor license. Cash Bar-No Coverage. However, you request that the 3 rd party vendor have their insurance name your PTO as “Additional Insured.” Then, you do not need GL. ***Any event that involves alcohol and your PTO, you need to contact PTO Today and have an underwriter review.***
Liquor Liability Insurance Quote from PTO Today 1-100 attendees $60 101-200 attendees $85 201-300 attendees $160 301-800 attendees $260 Above 800 attendees referral to underwriter.
We have an event that is not covered…now what? Complete the insurance form at ptotoday.com and send to PTO Today They will forward it along to their insurance provider: Bene-Marc Bene-Marc will give you a quote for insurance. Usually takes 48 hours to complete a policy
What about a waiver? You can have people sign one, but people can still sue you and your organization for negligence. This does not protect your organization! Just can be used as defense in a court of law. Sample waiver: IN CONSIDERATION OF ACCEPTANCE OF ENTRY, ALL PARTICIPANTS AUTOMATICALLY RELEASE THE SPONSORS, OFFICIALS, VOLUNTEERS AND ANYONE CONNECTED WITH POND ELEMENTARY PAWS PTO 5K FUN RUN/WALK, FROM ANY AND ALL CLAIMS OF INJURY OR DAMAGE RESULTING FROM PARTICIPATING IN OR TRAVELING TO OR FROM THE EVENT. I FURTHER STATE THAT I AM IN PROPER PHYSICAL CONDITION TO PARTICIPATE IN THIS EVENT. IN ADDITION, ALL PARTICIPANTS GIVE PERMISSION TO ORGANIZERS TO USE ANY AND ALL PHOTOGRAPHY OR VIDEO THAT MAY BE RECORDED DURING THIS EVENT. CHILDREN UNDER 18 MUST HAVE PARENTAL SIGNATURE TO PARTICIPATE.
How do you check your insurance coverage? Contact PTO Today Complete a questionaire form insurance@ptotoday.com or Call 1-800-557-2670
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