Group Resource: Parent Group Insurance – Events Coverage

Any event with an estimated attendance over 800, will require underwriting review prior to issuing certificates. Please contact This email address is being protected from spambots. You need JavaScript enabled to view it. or call 1-800-557-2670

General Liability coverage is included for the following events:

5k/10k Walk/Run All Night Lock-Ins Animal Rides(tethered or led) Arts & Crafts Activities Auctions Babysitting at PTO Meetings Bake or Food Sales Balloon Artists Band Concerts Bazaars Bean Bag Toss Beautification Projects (no construction) Book Fairs Broom Hockey (on school premises) Musical Cakes (Cake Walks) Candy or Wrapping Paper Sales Carnivals (with exceptions) Car wash Childcare (at a PTO event) Colored Sand Painting Community Forums Concession Stands Cookout (grilling equipment used)

Confetti Eggs Costume Parties Cow Bingo Dances (on school premises) Easter Egg Hunt Egg Toss Face Painting Family Portraits Farmer's Market (on school premises) Fashion Shows Fishing (from land) Food Sales Fortune Telling Fun Runs Grad Nights Haunted Houses (on school Premises) Horse led Hayrides (no vehicles) Hobby Shows Ice Cream Socials Jail Auction Jog-a-thon Karaoke Line Dancing

Litter Cleanup Magic Shows Math Fairs Movie Night (inside) Movie Night (outside) Open Houses Parades (no vehicles) Parent Education Workshop Performing Arts Petting Zoos Picnics Pizza Night Ring Toss Science Fairs Spelling Bees Talent Shows Touch a Truck (only if vehicle is stationary) Trivia Night Walk-a-thon Water Balloon Toss Yard/Rummage Sale

For the following activities to be covered:
The session/program must be led by PTO volunteers or by paid instructors. Additional PTO volunteers must be in attendance at all sessions/programs. The paid instructors must have their own coverage, and name your parent group as an additional insured on their policy. Any program with more than 800 people in attendance must be reviewed by the insurance carrier

• After School Programs
• Enrichment Programs
  
  

For the following activities to be covered:
If you hire a vendor to provide any of the following activities at your event, there must be supervision and the vendor must have appropriate insurance and name your parent group as an additional insured on the vendor's policy.

OR

If you have any of these activities at the vendor's venue, the vendor must have appropriate insurance and it is strongly recommended that your parent group be listed as and additional insured on the vendor's policy.

• Alcohol, when served at functions by a third party
• Bounce Houses
• Bowling
• Dunking Booths
• Golf Tournaments
• Haunted Houses (not on school Premises)
• Inflatable Slides
• Laser Tag
• Moon Walks
• Pee Wee Golf (miniature)
• Rock Climbing Walls
• Skating Rink (Roller and Ice) - Indoor Rink Only
  
• Swimming Party (pools with lifeguard only)
  
  

Athletic/Sports Activities or Events:

Athletic, sports, and physical type activities or events represent extremely high potential liability to a Parent Group, and have a very high participant child and adult injury incident rate. Injuries to athletic/sports participants are not covered under this policy. The policy will not defend the Parent Group against a negligence lawsuit resulting from athletic or sports activities. Types of activities referred to within this section include but are not limited to aerobics, baseball, basketball, cheer leading, football, gymnastics, martial arts, swimming, tennis, track and field, volleyball, or any enrichment class or event involving athletic or physical type activities. The only exceptions to the Athletic/Sports exclusion are: bowling, 5K Run/Walk, Walk-A-Thon, Jog-A-Thon, Fun Run, a golf tournament, or an ice or roller skating party (indoor rink facility).

General Liability coverage is excluded for the following events:

• Automobiles
• Aircraft
• Asbestos Exposure
• Baseball/Softball Toss
• Bike Rodeos
• Bungee Jumping
• Camping
• Campfire/Bonfire
• Fireworks
• Hang Gliding
• Hot Air Balloons
• Lead Exposure
• Luge
• Mechanical/Motorized Rides at Carnival
• Motorsports
• Nuclear Exposure
• Organized Athletic Events
• Paintball
• Parasailing
• Parachuting
• Playground Construction
• Polar Plunge
• Pyrotechnic Displays or Devices
• Race Track Risks
• Rocketry
• Rodeo
• Saddle Animals
• Skateboarding
• Skiing
• Snowboarding
• Snow Tubing
• Swimming (open water)
• Tobogganing
• Trampolines over 46" in diameter
• Vehicular Transportation of Any Type
• Velcro Jumps
• Watercraft
• Water Skiing
• Workers Compensation Claims

*Bene-Marc may be able to offer a single event policy for some athletic events – Please contact for more information.

This list is not all inclusive. Please This email address is being protected from spambots. You need JavaScript enabled to view it. if you have a question about whether your event is covered

Questions About Parent Group Insurance? Call 800-557-2670