Cover the bake sale, the book fair, and the people running them.

Insurance for PTAs and PTOs: event liability, board protection, volunteer accident, and money-handling coverage. Tell us about your PTA and we'll follow up with options.

Get a quote Read PTA insurance 101

Where volunteer groups get caught

A parent trips at the fall carnival.General liability can help respond to injury and property damage claims that come from your events.

The treasurer's account comes up short.Crime coverage can help when money is stolen by an officer or volunteer.

A board decision ends in a dispute.Directors and officers coverage can help protect the people who serve on your board.

How it works

Tell us about your PTA.
Members, events, and budget. The quote form takes a few minutes.
Review your options.
A licensed agent follows up with coverage choices and answers your questions.
Get covered.
Approve the policy that fits and keep your certificate for the school.

Your next event is already on the calendar.

Get a quote

Get a PTA insurance quote

Answer the questions below so we can request quotes for your PTA. Submitting opens an email to our team with your answers. Nothing is sent until you press send in your email app.

Desired policy effective date

Other coverages you would like us to quote for your PTA (optional) Workers compensation Sexual abuse and molestation (SAM) Directors and officers Volunteer accident Crime / theft of funds Property and equipment Other

Please tell us what other coverage you need

SAM insurance limits

Enter the SAM limits your PTA is required to carry:

Does your PTA have a copy of the insurance requirements or contract that requires the SAM limits you selected above?A copy of the insurance requirements or contract requesting SAM limits of $1M/$2M or higher will be required by the carrier to approve these limits. Without those requirements, a SAM quote may not be provided. If you don't have the requirements now, you can still proceed with the application, but before a quote is released, you will need to provide a copy of the contract or SAM insurance requirements. Yes No

After you submit, email a copy of your insurance requirements or contract to . The carrier needs it before a quote is released.

About your PTA

PTA / PTO nameThis is the name that will be listed on your policy and certificate of insurance, for example Lincoln Elementary PTA.

Other entity type - please provide details:

Is your PTA tax exempt? Yes No

To verify your PTA's tax-exempt status, please provide its Federal Employer Identification Number (FEIN).

Year your PTA was established

PTA contact

Primary contact

Email address

Phone

PTA website (optional)

PTA physical address (no PO box)

Is your PTA's mailing address the same as its physical address? Yes No

PTA mailing address

Does your PTA have any additional locations? Yes No

Additional locationsEnter the physical address of every additional location.

What is the square footage your PTA occupies at its primary physical address?Enter 0 if your PTA does not occupy space.

What is your PTA's annual gross payroll for owners, W-2 employees, and 1099 subcontractors?Enter 0 if your PTA has no payroll.

What is your PTA's annual gross revenue?

Your PTA's events and activities

Describe your PTA's operations and activities:Please provide a description with a minimum of 10 words.

Approximately how many members does your PTA have?

How many events does your PTA hold each year?

Approximate attendance at your PTA's largest event

Describe your PTA's eventsList each type (carnival, book fair, fun run, dance), where it is held, and whether it includes inflatables, rentals, food or alcohol, overnight stays, or off-campus travel. Minimum 10 words.

Your PTA's next special event

Does your PTA have a special event scheduled?A special event is a carnival, fun run, auction, dance, or similar event. Tell us about the next one. Yes No

Is your PTA sponsoring or hosting the event? Yes No

If not, what is your PTA's participation in the event?

Name of event

Type of event

Date(s) of event

Number of attendees per day

Location of event

Please describe all activities planned

Anticipated gross revenue ($)

Which of the following will be served? Food Beverages Alcohol None of these

If alcohol will be served, please provide details on safety precautions

Will there be a bounce house, trampoline, or any other rebounding type of equipment at the event? Yes No

What type of equipment or structure?

How many?

Please provide details of the safety precautions taken during use of this equipment or structure

Please email a copy of the vendor contract to for underwriting consideration.

Please provide any other details you would like to share with the underwriter related to this event (optional)

Underwriting

Is your PTA new, and has it never carried insurance before? Yes No

Has your PTA had any claims, allegations, incidents, or lawsuits related to Sexual Abuse or Molestation (SAM) in the past 5 years?Examples include allegations of abuse or misconduct, lawsuits, or incidents that may have resulted in an insurance claim, even if no claim was ultimately filed. Yes No

Has your PTA had any claims, allegations, incidents, or lawsuits related to General Liability or Professional Liability in the past 5 years?Examples include bodily injury claims, property damage claims, professional errors or negligence claims, lawsuits, or incidents that may have resulted in an insurance claim, even if no claim was ultimately filed. Yes No

Provide complete details about the losses, including dates, a description of what happened, and the amounts paid.

Does your PTA use a standard written agreement or contract with clients for most of its work? Yes No

Approximately what percentage of your PTA's clients sign this standard agreement or contract?

Does your PTA's standard contract include language that protects your PTA if a client claims it caused a loss or damage?Contract Contains Mutual Hold Harmless/Indemnification Wording Yes No

Does your PTA hire independent contractors, freelancers, or subcontractors to perform any part of its services?Examples of subcontractors: freelancers, consultants, temporary workers, or independent contractors hired to perform services on your behalf. Yes No

Approximately what percentage of your PTA's total revenue comes from work performed by subcontractors, freelancers, or independent contractors?

Do any of your PTA's subcontractors carry less insurance coverage than your PTA?If you are unsure about your PTA's subcontractors' insurance limits, please answer "Yes." Yes No

Has your PTA been involved in bankruptcy, criminal, or civil proceedings? Yes No

Has an insurance company denied, cancelled, or non-renewed your PTA's coverage in the last 5 years for a coverage you are requesting?Please do not include cancellations requested by your PTA or cancellations due solely to non-payment of premium. Yes No

If your PTA's activities require a license, does your PTA have a valid license? Yes No N/A (License is not required)

Is your PTA's staff trained in non-violent crisis intervention and de-escalation procedures? Yes No

Does your PTA have detailed hiring procedures, including verifying that any required license is current and has never been suspended or revoked? Yes No

Have claims, allegations, or charges of abuse, molestation, or sexual misconduct been made against or on behalf of your PTA? Yes No

Does your PTA have a formal new-hire screening process? Yes No

Does this process include criminal background checks, a national sex offender registry search, verification of personal references, and interviews? Yes No

Does your PTA have a formal written abuse policy? Yes No

Does this policy prohibit one-on-one contact, identify grooming behaviors, and outline reporting procedures if abuse is suspected? Yes No

Does your PTA have a written response plan for handling allegations of abuse, including dealing with employees, victims, parents, and authorities? Yes No

How many staff members does your PTA have (including owners, W-2 employees, and 1099 subcontractors)?Enter 0 if none.

About your PTA's participants

How many participants are aged 12 and under?

How many participants are aged 13-15?

How many participants are aged 16-18?

How many participants are over age 18?

Average number of students per day:

How many volunteers does your PTA have? Enter 0 if none.

Organization type: PTA, PTO, or parent group. Do not enter Social Security numbers, bank details, or payment information.

PTA insurance 101

The basics for volunteers who just inherited the treasurer's binder. This is general information, not a policy or legal advice.

What is PTA insurance?

A set of policies that protect a parent-teacher group when something goes wrong at its events or with its money. Most PTAs and PTOs are nonprofits that are legally separate from the school.

Doesn't the school's insurance cover us?

Often not, or only in part. District policies are written for the district. Ask the school or district in writing what, if anything, applies to your PTA and to your volunteers.

What coverages should we know about?

General liability: Injury or property damage claims from events and activities.
Directors and officers (D&O): Claims against board members over decisions made for the group.
Crime or fidelity: Theft of group money or property by officers, volunteers, or others.
Volunteer accident: Medical costs when a volunteer is hurt while helping.
Abuse and molestation (SAM): Liability for claims alleging sexual abuse or molestation connected to your PTA's activities. See the SAM section below.
Property and equipment: Loss or damage to things the group owns, such as a popcorn machine or sound system.

What is SAM (sexual abuse and molestation) insurance?

SAM coverage is liability insurance for claims that allege sexual abuse or molestation connected to your PTA's activities. It is often a separate coverage because standard general liability policies commonly exclude these claims or limit them sharply.

Why PTAs run into it. Schools, districts, and venues may ask for proof of SAM coverage, sometimes at set limits such as $1 million per occurrence and $2 million aggregate, before a group can use a facility or run a program. Check the agreements you sign to see what they require.

What carriers look at. How you screen adult volunteers (background checks, sex offender registry searches, references), whether you have a written abuse prevention policy covering one-on-one contact and how to report concerns, a written plan for responding to allegations, and whether your people are trained in de-escalation. Carriers also ask about past claims and allegations. Our quote form asks these questions.

Read the terms. Limits, how defense costs are treated, and what counts as a single claim vary by policy. Coverage is subject to underwriting approval and is not available in every state. Insurance does not replace good child-safety practices: careful screening and clear policies protect children first.

Who is covered?

It depends on the policy. Check whether the group, its officers, and its volunteers are all named, and whether the school or district can be added as an additional insured.

What affects the price?

Typically the number of members, how many events you hold and what kind (inflatables, food, and cash fundraisers draw more attention), your budget, and your claims history.

Questions to ask before you buy

What are the limits and deductibles?
Are volunteers covered, and for what?
Does the policy cover every event on our calendar?
Can we get a certificate of insurance for the school or a venue?
Does our council or state PTA have insurance requirements for units?

Get a quote

Contact us

Questions about coverage or your quote request? Reach out and a licensed agent will reply.

Email
Phone: +1 (877) 239-0067
Mailing address: 27 Maiden Ln. Ste 300, San Francisco, CA 94108
Hours: Weekdays 10AM - 6PM Pacific

Already have a policy and need to file a claim?

Contact your insurance carrier directly using the claims number on your policy documents.

Get a quote

Licensing

myPTAinsurance.com is operated by Paperless Insurance Services, Inc., a licensed insurance agency.

Agency name

Paperless Insurance Services, Inc

Resident state and agency license number

CA LIC. 0H40877

Other states where licensed

State	License Number	State	License Number
CA	0H40877	LA	1181638
CO	377496	NC	1000122182
CT	2380148	NV	3408135
FL	L073216	TX	1d32496
ID	927168	WA	1052541
IL	100355167

Where we can help

We offer insurance only in states where we are licensed. If your PTA is in another state, we may not be able to quote or bind coverage.

Verify a license

You can confirm any agency or agent license with your state department of insurance.

Carriers

Coverage is issued by the A rated insurance carriers we are appointed with. We select the appropriate carrier based on the application details and coverage options and limits you requested

Terms of Service

Effective October 1, 2026. By using myPTAinsurance.com, you agree to these terms.

About this site

This site provides general information about insurance for parent-teacher organizations and a way to request a quote. It is operated by Paperless Insurance Services, Inc.

No coverage until bound

Submitting a quote request or contacting us does not create insurance coverage. Coverage begins only when a carrier approves your application and confirms coverage in writing.

General information only

Descriptions of coverage are general, do not modify any policy, and are not legal or financial advice. Your policy's terms, conditions, limits, and exclusions control.

Your information

You agree that the information you submit is accurate and complete to the best of your knowledge. Do not submit payment or government ID numbers through this site.

Availability

Products are not available in all states. We may change or discontinue the site at any time.

Limitation of liability

To the fullest extent allowed by law, we are not liable for damages arising from your use of this site. This does not limit any rights you have under an insurance policy or applicable law.

Governing law

These terms are governed by the laws of California.

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Effective October 1, 2026. This explains what we collect through myPTAinsurance.com and how we use it.

What we collect

Information you give us in the quote form or by email: your name, role, email, phone, your PTA's name, school, location, size, events, budget, and coverage interests.

How we use it

To respond to you, prepare quotes, and arrange coverage you request. We may also use it to meet legal and regulatory obligations.

Who we share it with

Insurance carriers and underwriters, to quote and place coverage, and service providers who help us run our business. We do not sell your personal information.

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We use reasonable safeguards and keep information as long as needed for the purposes above and as the law requires. No method of transmission is fully secure, so please don't send payment or government ID numbers by email.

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Depending on where you live, you may have rights to access, correct, or delete your personal information. Contact us to make a request.