Just like a business, your PTA is exposed to certain risks that you may or may not be aware of.  You may do everything you can to prevent something from happening to your PTA, but in reality no one can guarantee that things are going to run smoothly all of the time.  PTAs are not immune from liability.  Your PTA insurance policy will protect not only the assets of the PTA and the officers/board members, but can pay attorney fees to defend you, whether the lawsuit has merit or not. For more information Click Here.