Does Your Booster Club Need Insurance?

Think your school's insurance automatically protects your Booster Club? Think again. Many Booster Club volunteers assume they're covered if something goes wrong—but a single accident, theft, or lawsuit could leave the organization and even individual volunteers financially exposed. In this episode of the Boosted Volunteer Podcast, host Robin Eissler sits down with Elgin Allen Jr., Founder & CEO of Association Insurance Management (AIM), and Jamie Fagan, President of AIM, to explain the insurance every Booster Club should understand before hosting fundraisers, concession stands, banquets, or community events. They break down the four essential types of coverage, discuss why embezzlement remains the most common claim they see, share real-world lawsuits that surprised even experienced professionals, and offer practical advice to help Booster Clubs protect their volunteers, finances, and mission. Whether you're a first-time Booster Club officer or a seasoned board member, this episode will help you better understand your responsibilities and avoid costly mistakes. Key Takeaways: 01:15 – How one playground injury inspired the creation of AIM and changed Booster Club insurance nationwide. 03:45 – Why Booster Clubs are more vulnerable to lawsuits than most volunteers realize. 05:00 – The questions every Booster Club should ask their school district before planning an event. 06:40 – Understanding the four essential insurance coverages: General Liability Crime/Fidelity Bond (Embezzlement) Directors & Officers Liability Property Coverage 10:50 – Can Booster Club officers and volunteers be personally sued? What every board member needs to know. 12:05 – Why embezzlement is the #1 insurance claim and the financial controls every organization should implement. 15:25 – High-risk fundraising events, vendors, raffles, fireworks, and other activities that require extra caution. 18:20 – Annual insurance vs. single-event coverage: which option makes the most sense? 19:35 – Common mistakes organizations make when purchasing insurance and how to avoid coverage gaps. 22:30 – Real insurance claims that prove anyone can file a lawsuit—even for unexpected reasons. 25:25 – Safety tips every Booster Club should consider before running their next fundraiser. 27:30 – How new Booster Club boards can quickly get insured and stay protected year after year. 28:45 – Jamie and Elgin share how school activities shaped their lives and why supporting student programs matters. Association Insurance Management (AIM) specializes exclusively in insurance solutions for Booster Clubs, PTOs, PTAs, and other educational nonprofit organizations across all 50 states.   References: Elgin Allen Jr.: LinkedIn Company: LinkedIn Website: https://www.aim-companies.com Facebook  Instagram