5 Things You Should Know Regarding

Insurance

By Kathy Meagher, ARM, CPCUManuel Hamme, ARM, ARM-P,

CPCU, MBA

1

2

Insurance Broker ContactBB&T Insurance Services of

California, Inc.Website: www.pta.bbt-knight.comUser name = ptausersPassword = memberEmail: capta@BBandT.comTelephone (800) 733-3036

3

Use The Website &/or Guide Book

Outlines Insurance CoverageOutlines what activities can and

cannot be done: Red, Yellow, Green.

Website provides approved Vendor’s list

Provides Sample forms◦Certificate◦Facility Use Permit◦Hold Harmless◦Waivers

4

Insurance OverviewGeneral Liability $1M

When involved in an allowable PTA activityThe PTA insurance does not cover booster clubs or

other organizationsLegally liable for Bodily Injury (BI) and Property

Damage (PD)Not a medical policy

Directors and Officers Liability $1MDuty of Loyalty – acting in good faithDuty of Care – due diligence and prudenceDuty of Obedience – compliance with laws

Bonding Insurance $15,000 per limitNo Workers Comp for Volunteers

5

Reporting an IncidentObtain the facts and remain

objective◦Avoid Defamation: Liable / Slander

Record all information & minutesBeware of time constraints

◦PTA◦Police◦Insurance Carrier

Keep it Confidential & ObjectiveNeed 4 copies: PTA and BB&T

6

ActivitiesUse the Guidebook or website for

approved activities: Red, Yellow, Green

Check with the school districtOnly PTA officers can sign

contract◦Never sign a Hold Harmless or

Indemnity ClauseObtain the necessary insurance

certificate and formsGift the funds to the school

district

7

May 13, 2014 – NY 3 Children Aged: 5,6, and 10 50 ft in Air; Dropped 15-20ft on car & street Broken bones and serious head injury Jim Barber: National Association of Amusement Ride

Safety Official Spokesman: ""I wish this was a rarity, but it's not. It happens all the time. These are probably the most dangerous amusement devices they have.“ 6/7/11 – USA Today

Center for Injury Research and Policy 2012 Report – Average of 31 children per day in emergency dept. 15 fold increase from 1995 – 2010. Cases involve head and neck injuries – 20%

8

QuestionsPTA matters ask your DistrictInsurance: BB&T Insurance