RESIG’s PTO Coverage is also available to any Sonoma County public high school’s Project Graduation. The coverage is made available to all volunteer PTO organizations that meet RESIG’s Risk Management Guideline at a low cost of $350 per calendar year.

PTO Coverage Risk Management Guidelines

School district support organizations are vital to the school districts in Sonoma County. These organizations provide an important source of revenue and support. In addition, schools can call upon these organizations to accomplish necessary tasks and provide services that the district can no longer afford.

In recognition of the benefits provided by these volunteer organizations, RESIG has developed a means to provide coverage for general liability under our existing program.   Although these groups are vital to our schools today, many operate without the supervision and control of the school districts.

In order to accomodate this independence and still assume the group's liability, the following risk management standards and conditions have been established for coverage to be effective:

1. The organization must have written Bylaws specifying in them that their purpose is as a district/pupil support organization.

2. The organization must be recognized by the district's school board as an authorized school support organization.

3. The organization must be recognized by the IRS as a non-profit 501(c)(3) corporation.

4. Each organization must submit an annual Application for Coverage to RESIG.  The application shall state the purpose of the organization, list the organization's routine activities, and the estimated membership.  The application will be reviewed by RESIG to make sure all criteria have been met.

5. RESIG shall have the authority to accept or reject any application or request submitted for coverage.  In addition, higher premium options may be assessed.

Coverage

The organization shall be provided general liability coverage on a calendar year basis for those activities that are performed for the sole benefit of the school district(s).

RESIG agrees to defend and indemnify the covered organization for occurrences resulting in bodily injury and property damage that occur during the coverage period of this program.

Exclusions/Limitations

1. Coverage does not apply to economic injury, mental distress or anguish, bodily injury, sickness, disease or death of any employee, volunteer, member or officer of the organization arising out of the course and scope of their employment or volunteer duties with the organization.

2. The program will not provide coverage for real or personal property belonging to the organization, nor will RESIG provide crime coverage for losses of money, script, securities, stamps, tickets, etc.

3. Coverage does not apply to any organization for liability arising out of the ownership, maintenance, operation, use, loading or unloading or any automobile, motorcycle, or any other vehicle licensed to travel on the public highways.

4. Coverage does not apply to any organization for Workers' Compensation or liability assumed under any contract, agreement or employment.

5. Coverage shall NOT apply to:

A. Motor vehicle or watercraft activities;

B. Fireworks (sales, displays, etc.);

C. Roller skating, in-line skating or skateboard events;

D. Bicycle events involving acrobatics, stunts or "motocross";

E. Group sponsored athletic events such as football, basketball, soccer, baseball/softball, volleyball, water sports, boxing, wrestling, physical contact sports, donkey basketball/baseball, etc.;

F. Ski trips/adventures;

G. Beach and water activities to places such as oceans, bays, lakes, rivers, streams, and private pools;

H. Rock climbing, rappelling or ropes courses;

I. Trampolines or any type of rebounding devices;

J. Rock concerts;

K. Activities with the sale or auction of alcoholic beverages or the sale of tickets for alcoholic beverages; and

L. PTO operated day care.

6. Coverage if further limited to all the terms and conditions of the district's coverage agreement, with RESIG within the self-insured retention layer of $250,000, and conditions of the policies provided to RESIG by BASIC to $1,000,000.

RESIG’s PTO Coverage has been in existence since January 1, 1994.

For more information, please contact Cecilia A. Quiambao: 707-836-0779 ext. 106 or e-mail at cquiambao@resig.org ; Deborah Fraser: 707-836-0779 ext. 121 or e-mail at dfraser@resig.org.