Aren't we covered under the School District Liability policy?
A Booster Club will sometimes have a tendency to rely upon school district liability insurance for protection. This has proven to be unsafe, as current claims exist, wherein school districts have filed cross-complaints against the Booster Club and its leadership.

A school district and a Booster Club comprise two distinct legal entities, and have separate legal responsibilities not involving both. Negligence committed by one, does not necessarily mean negligence committed by the other. Therefore, both entities cannot be provided adequate protection under the same liability policy. If a Booster Club is under the assumption that the school district is providing Booster Club operations coverage, the Booster Club should obtain a letter from the school district business manager stating that all operations of the Booster Club are covered under the school district insurance program, both on and off campus for a 365 day period, and that the school district will be responsible for any self-insured retention or deductible.

What type of events are covered under Liability Insurance?
We provide a list of common activities and the loss control methods in the Coverage Summary and Loss Control Guide accessible to all NABCA members by logging into their back office and to all non-members by completing the information request form below.

Why does our Booster Club need Bonding/Crime insurance?
What do you do when you discover $20,000 of your fund raising money has been embezzeled or stolen? A Booster Club may operate on extremely limited capital and sufficient internal controls are sometimes lacking. In addition, Booster Club money is often kept in private homes overnight. Because of these conditions, group moneys derived from dues and fund raising activities, are exposed to loss by dishonesty, forgery, alteration, theft, disappearance or destruction. When a money or financial loss does occur (about 8 times each week), which is all too often, it is not unreasonable for the general membership to expect Booster Club leadership, in the absence of insurance, to personally fund the loss. A Booster Club and its’ leadership can either retain this exposure to financial loss and self-insure (not advisable), or transfer this exposure to another through the use of crime insurance, also known as Bonding Plus.

Why is Property Insurance necessary?
A Booster Club will sometimes own miscellaneous property used in the operation. Just as you would protect your own personal or business property with property insurance, you would likewise protect Booster Club property. It is the responsibility of leadership to see that this property is properly insured against loss due to fire, lightning, windstorm, theft, earthquake, vandalism, and other perils. A Booster Club and its’ leadership can either retain this exposure to property loss and self-insure (not advisable), or transfer this exposure to another through the use of inland marine property insurance.

What is an Additional Insured Certificate?
Occasionally, someone will ask that they be added to your General Liability insurance policy as an Additional Insured, or that they be named as an Additional Insured onto your General Liability insurance policy. This usually occurs when you are having some type of meeting or event in a building or upon property that your Booster Club does not own, such as a school, bank or community center. This school, bank or community center is known as the facility. In the case of an Booster Club, the facility is most often a school, which is operated by a School District.

The practice of a facility requiring that they be named as an Additional Insured on a $1,000,000 General Liability insurance policy by all persons or entities renting or using the site, is quite common. This insurance industry practice is a well known and proven method of Loss Control or Risk Transfer from the standpoint and to the benefit of the facility. It is so common that the Additional Insured wording is usually contained within the insurance requirement section of the Facility Rental Agreement or Facility Use Agreement. It is important that when you complete this request form, that you get this Additional Insurance wording exactly correct. Otherwise, the facility will not accept the Additional Insurance Certificate that we provide to you which, in turn, you provide to the facility as proof of insurance. Please, get it right the first time.

To register your Booster Club and receive the NABCA member pricing login in to Club Central or to receive additional information: