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Insurance Broker Contact

5 Things You Should Know Regarding Insurance By Kathy Meagher, ARM, CPCU Manuel Hamme, ARM, ARM-P, CPCU, MBA. Insurance Broker Contact. BB&T Insurance Services of California, Inc. Website: www.pta.bbt-knight.com User name = ptausers Password = member Email: capta@BBandT.com

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Insurance Broker Contact

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  1. 5 Things You Should Know Regarding InsuranceBy Kathy Meagher, ARM, CPCUManuel Hamme, ARM, ARM-P, CPCU, MBA

  2. Insurance Broker Contact • BB&T Insurance Services of California, Inc. • Website: www.pta.bbt-knight.com • User name = ptausers • Password = member • Email: capta@BBandT.com • Telephone (800) 733-3036

  3. Use The Website &/or Guide Book • Outlines Insurance Coverage • Outlines what activities can and cannot be done: Red, Yellow, Green. • Website provides approved Vendor’s list • Provides Sample forms • Certificate • Facility Use Permit • Hold Harmless • Waivers

  4. Insurance Overview • General Liability $1M • When involved in an allowable PTA activity • The PTA insurance does not cover booster clubs or other organizations • Legally liable for Bodily Injury (BI) and Property Damage (PD) • Not a medical policy • Directors and Officers Liability $1M • Duty of Loyalty – acting in good faith • Duty of Care – due diligence and prudence • Duty of Obedience – compliance with laws • Bonding Insurance $15,000 per limit • No Workers Comp for Volunteers

  5. Reporting an Incident • Obtain the facts and remain objective • Avoid Defamation: Liable / Slander • Record all information & minutes • Beware of time constraints • PTA • Police • Insurance Carrier • Keep it Confidential & Objective • Need 4 copies: PTA and BB&T

  6. Activities • Use the Guidebook or website for approved activities: Red, Yellow, Green • Check with the school district • Only PTA officers can sign contract • Never sign a Hold Harmless or Indemnity Clause • Obtain the necessary insurance certificate and forms • Gift the funds to the school district

  7. May 13, 2014 – NY • 3 Children Aged: 5,6, and 10 • 50 ft in Air; Dropped 15-20ft on car & street • Broken bones and serious head injury • Jim Barber: National Association of Amusement Ride Safety Official Spokesman: ""I wish this was a rarity, but it's not. It happens all the time. These are probably the most dangerous amusement devices they have.“ 6/7/11 – USA Today • Center for Injury Research and Policy 2012 Report – Average of 31 children per day in emergency dept. 15 fold increase from 1995 – 2010. Cases involve head and neck injuries – 20%

  8. Questions • PTA matters ask your District • Insurance: BB&T Insurance

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