Insurance
Rockwood School District pays for General Limited Liability insurance for the PTO/Parent Booster groups for events held on and off district property. When an event is planned and the location requests a certificate of insurance, please call 800-557-2670 (PTO Today). Any event with an estimated attendance over 800 will require underwriting review prior to issuing certificates. Please contact insurance@ptotoday.com, call 800-557-2670, or visit PTO Today Insurance.
General Liability
General Liability coverage is included for the following events:
- 5k/10k Walk/Run
- All Night Lock-Ins
- Animal Rides(tethered or led)
- Arts and Crafts Activities
- Auctions
- Babysitting at PTO Meetings
- Bake or Food Sales
- Balloon Artists
- Band Concerts
- Bazaars
- Bean Bag Toss
- Beautification Projects (no construction)
- Bike Safety
- Book Fairs
- Bowling (offsite)*
- Broom Hockey (on school premises)
- 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
- Gift Wrapping
- Golf Tournaments*
- 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
- Miniature golf (on school premises)
- Miniature golf (offsite)*
- 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
- Skating Rink (Roller and Ice) – Indoor Rink Only*
- Swimming Pool Party (with lifeguard only)*
* 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 an additional insured on the vendor's policy.
For the following activities to be covered by your insurance, the session/program must be led by PTO volunteers (not by paid instructors). Additional PTO volunteers must be in attendance at all sessions/program. If you are paying instructors, they must have their own coverage, and name your parent group as an additional insured on their policy.
- After School Programs
- Enrichment Programs
Events Not Covered
While it is understood that you may have the following types of activities at your events, please know that they are NOT COVERED under the PTO Today program. The following is recommended:
When 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 an additional insured on the vendor's policy.
- Alcohol, when served at functions by a third party
- Bounce Houses
- Dunking Booths
- Haunted Houses (not on school Premises)
- Inflatable Slides
- Laser Tag
- Moon Walks
- Rock Climbing Walls
Special Rules for Athletic 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 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. If you are planning to offer any of these events, you must purchase special event coverage, which can be purchased separately. (For special events coverage, please contact PTO Today at 800-557-2670 or Arthur J. Gallagher at 314-800-2223.) For events held on District property requiring special events coverage, please provide a copy of that coverage to the Finance Department well in advance of the event.
- Aircraft
- Alcohol, when served at functions by a third party
- Asbestos Exposure
- Automobiles
- Baseball/Softball Toss
- Bounce Houses
- Bungee Jumping
- Campfire/Bonfire
- Camping
- Dunking Booths
- Fireworks
- Hang Gliding
- Haunted Houses (not on school premises)
- Hot Air Balloons
- Inflatables (any kind)
- Inflatable Slides
- Kickball
- Laser Tag
- Lead Exposure
- Luge
- Mechanical/Motorized Rides at Carnival
- Moon Walks
- Motorsports
- Nuclear Exposure
- Organized Athletic Events
- Paintball
- Parachuting
- Parasailing
- Playground Construction
- Polar Plunge
- Pyrotechnic Displays or Devices
- Race Track Risks
- Rock Climbing Walls
- 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
This list is not all inclusive. Please contact PTO Today at insurance@ptotoday.com or call 800-557-2670 if you have a question about whether your event is covered.
Proof of Insurance Requirements
- If the event is school-sponsored, funded by Rockwood, supervised by school personnel and held on school property:
Event will be covered by District insurance. Request a Certificate of Insurance from 3rd Party Vendors naming Rockwood as an additional insured. - If the event is school-sponsored, funded by Rockwood, supervised by school personnel but NOT held on school property:
The event will not be covered by District insurance. - If the event is school-sponsored or PTO-sponsored, funded by the PTO, covered by PTO Today, and held on school property:
Provide your PTO Certificate of Insurance to Rockwood. Request a Certificate of Insurance from 3rd Party Vendors naming PTO and Rockwood School District as additional insureds. - If the event is school-sponsored or PTO-sponsored, funded by the PTO, and NOT covered by PTO Today:
Request a Certificate of Insurance from 3rd Party Vendors naming PTO and Rockwood School District as additional insureds.