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Protect your PTA and your board!
Why is liability insurance necessary?
PTA is a private, nonprofit association - a business - a legal entity. It is accountable for its actions, and when it conducts its
activities, it:
1) must conduct the safest, best managed activities possible --
appropriately supervised and within the scope of the expertise of the PTA, and
2) must provide adequate protection for the public against the actions of
the PTA in the event an accident happens at the activity.
This responsibility exposes the PTA and its leadership to an
element of risk in the event an accident or incident takes place at a PTA
activity. When an accident or incident takes place, there is the possibility
that the PTA (and, perhaps its officers and directors) could be named in a
lawsuit.
General liability insurance shifts the potential risks to
the insurance company, thus protecting the PTA.
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Who is the Insurance Carrier?
The Connecticut PTA Board of Directors did extensive research
to locate an insurance company that would provide the most comprehensive
insurance coverage at very competitive rates. Armstrong & Robitaille is
the company that our Board of Directors selected.
Armstrong & Robitaille are offering 2 options to our
units which provide more extensive coverage at an affordable price. PTAs are
required to take all three coverage's.
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Insurance Coverages
Comprehensive General Liability Insurance:
Protects PTA members and volunteers against liability
suits that may arise if someone is injured or someone’s property is
damaged at a PTA function. Hired and Non-owned auto liability. This
protects the PTA unit, if they are sued because of the use of automobiles
by volunteers in the course of PTA business. You are still required to
have your own automobile insurance.
$2,000,000 Aggregate Limit per Location
$2,000,000 Products Aggregate
$1,000,000 Personal and Advertising Liability
$1,000,000 Occurrence
$100,000 Fire Legal Liability
$10,000 Medical Expense Limit1
$1,000,000 Non-Owned and Hired Auto Liability2
$500,000 Each Claim and General Aggregate- Improper Sexual Conduct3
There is no deductible for this policy.
- This coverage is double what was previously covered
- This is a new coverage- covers your PTA if it is sued
as a third party as a result of an auto accident while on PTA business
- This is new coverage
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Director and Officer Liability Insurance:
This covers the PTA unit, the directors, officers,
members and volunteers. You can be sued when acting in the above capacity
because of failure or alleged failure to act within established
guidelines. Directors & Officers have a fiduciary duty to their
organization and are sued by those who feel members have not lived up to
the responsibilities & duties assumed as members of the organization.
$1,000,000 Aggregate Limit
The deductible is $1,000 for this policy (this is $500 lower
than in the past.)
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Fidelity Bond Insurance:
Protects PTA funds
$10,000/$25,000/$50,000 Employee or volunteer theft
$10,000/$25,000/$50,000 Forgery
$ 5,000/$10,000/$15,000 Disappearance and/or robbery1
The deductible is $500 for this policy (this is $250 higher
than in the past.)
- Disappearance and/or robbery is new coverage. Unlike
the past, there are no conditions associated with this coverage.
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Property Coverage:
It would cover property like tables, chairs,
microphones, popcorn machines, coffee makers, and fund raising
merchandise. You would be covered against loss by fire, vandalism, wind
damage, and theft.
Coverage is $10,000 per unit.
This coverage has a $1,000 deductible ($500 more than in the
past.)
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Insurance Forms
The following forms are available online in the
members-only area of the web site:
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Forms
are in Adobe® Acrobat®
format. Click
here if you need the free reader. |
| Don't have a members-only password?
It's quick and easy to obtain one! CLICK HERE |
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Experience tells us that we all need insurance!
CT PTA strongly recommends the purchase of insurance for your
unit. Don't forget to put in
this line item when setting you your PTA budget.
Insurance applications are mailed to each unit president at
the beginning of the school year. Please contact us so we can answer
any questions you may have, and so we can get you on board!
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[ Up ] [ All About Officer Information Sheets ] [ Computer-Based PTA Training ] [ Tools for Building a PTA Web Site ] [ How to Start a PTA ] [ Insurance (Liability & Bonding) ] [ Leadership Training ] [ Member Area & Email List Signup ] [ Membership Development Calendar ] [ Membership Options (PTSA, SEPTA, etc.) ] [ Membership Statistics ] [ Officer Roles & Responsibilities ] [ PTA, PTO, What's the Difference? ]
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