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Why Does My Parent Group Need Insurance?

Why does my Parent Group need insurance?
Just like a business, your Parent Group is exposed to certain risks that you may or may not be aware of. You may do everything you can to prevent something from happening to your Parent Group, but in reality no one can guarantee that things are going to run smoothly all of the time. Parent Groups are not immune from liability. Your Parent Group insurance policy will protect not only the assets of the Parent Group, but the personal assets of its members. In the event of a lawsuit, your Parent Group insurance will also pay attorney fees to defend you, whether the lawsuit has merit or not. There are five separate risks that your Parent Group needs to be aware of:

General Liability - Protects your Parent Group if someone was injured at one of your events and held you responsible. Some of these activities include concession stands, end of year parties, skating parties, swim parties, bounce houses, dunking booths, fun runs, auctions, and more. The General Liability limit is $1,000,000 or $2,000,000 with no deductible.

Accident Medical - Designed to compliment your General Liability policy, it provides medical coverage for risks that are specifically excluded from the liability policy such as mechanical rides, school buses, automobiles, and watercraft. The Accident Medical limits are $10,000, $25,000, and $50,000 with no deductible.

Bond - Covers anyone that your Parent Group trusts with the money whether it’s a President, Treasurer, board member, volunteer, or courier. If that person embezzles your money, this policy would replace those missing funds. The Bond limits are $10,000, $25,000, and $50,000, with a $250 deductible. Higher limits are available.

Property - Protects your raffle merchandise, auction items and fundraising supplies while it is in your possession. This policy also protects any personal property of your Parent Group such as popcorn machines, snow cone makers, school store supplies, emergency preparedness supplies, and more. The Property limit is $10,000, with a $250 deductible. Higher limits are available.

Directors & Officers Liability - Protects officers for any decision making that they do. If someone sues the officers for mismanaging or misrepresenting the Parent Group, this policy would pay your legal bills and provide protection for these allegations. The Directors and Officers Liability limit is $1,000,000 with a $1,500 deductible.

Need more information?

Bill Quickel's - Insurance Plus Agencies Inc. 114 Court St. Pomeroy, Ohio 45769    740-992-6677

Posted 2:16 PM

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