Booster Clubs and PTOs Are Critical Amid Continued Budget Cuts

// September 1, 2022
Reading Time: 3 minutes

Booster club individuals planning

During this time of year, the focus shifts from engaging children and young adults in outdoor activities to academic and extracurricular activities. Funding reductions and budget cuts have profoundly impacted nonprofits nationwide, and academic organizations are no exception. As arts, music and sports programs face potential elimination, parents have found ways to support these programs with the creation of booster clubs and parent-teacher organizations (PTOs).

Booster clubs and PTOs are busy planning for the return of in-person school fundraisers, events and extracurricular activities that may have been limited over the past year. Some schools depend entirely on booster clubs to fund extracurriculars or are only able to offer activities a booster club can support independently. The number of booster clubs will continue to grow as they act as a safety net for schools in need.

Together, PTOs and booster clubs are responsible for an average of $4 billion in spending each year. Though it’s organizations like these that take on the responsibility of organizing clubs for children across the country, it comes with a risk. PTO Today says, “Insurance is often required for activities like fundraisers held on school property, in case of accident or injury.” Issues can range from decisions involving spending to basic bodily injury.

Booster clubs and PTOs are only two examples of organizations navigating the return of in-person gatherings. These organizations need protection, but the dilemma lies in the ability to afford multiple policies to address these concerns. Our Charity Protector and Business Association Guard products include a variety of insurance and value-added solutions for these organizations, and we offer new minimum premiums starting at $395.

Our comprehensive package policy can offer coverage for:

  • Bodily injury
  • Abuse and molestation
  • Event liability including host liquor
  • Misappropriation of funds
  • Allegations of discrimination and harassment
  • Defense costs

In addition to a comprehensive package policy at an affordable cost, we’ve enhanced our blanket special events coverage to include:

  • The first three events with up to 250 attendees at no charge
  • General liability on a blanket event basis up to 2,500 attendees
  • Host and/or commercial liquor liability on a blanket basis up to 2,500 attendees

Eligible charity classes include booster clubs, PTOs, charitable fundraising and community support groups. Eligible business association classes include chambers of commerce, professional and trade associations and business membership groups.

Additionally, USLI’s Business Resource Center provides value-added resources that greatly benefit these organizations, such as discounted background checks, cyber risk information and safety resources.

As these groups start to return to in-person gatherings, think about their coverage needs! Please contact your Nonprofit Package underwriter today for more information about our Charity Protector and Business Association Guard products.

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As always, we thank you for your support and business.

Contact Andrew Guido
Assistant Vice President, Senior Underwriter | 888-523-5545, ext. 2334

Written by Kristin Ryan
September 2022