When she traveled to China with her son's school choir, Teresa Cleary spent a fair amount of time worrying that a student under her supervision might become lost or ill.

She didn't consider another possible consequence: getting sued.

A nearly $700,000 verdict against a chaperone of a cheerleading trip to Hawai'i is enough to give a chaperone pause, said Cleary, of Cincinnati.

"Whether it's a trip to the zoo with the first grade or a trip to China with a group of high school students, there's always an anxiety," she said. "I'm responsible for someone else's child."

Add legal liability to the equation, and, "I definitely think it could impact some people's willingness to chaperone."

The Hawai'i verdict came in the case of an 18-year-old high school student who fell to her death from a Maui hotel balcony.

Lauren Crossan, of Randolph, N.J., had traveled to Hawai'i in 2004 with Susanne Sadler, Sadler's daughter, and another New Jersey cheerleader to perform in the halftime show of the Hula Bowl.

Within hours of her arrival at the Hyatt Regency Maui Resort, Crossan was seen drinking alcohol.

Her body was found the next day on the hotel grounds.

An arbitrator determined last month that Sadler was partially responsible for Crossan's death and ordered her to pay $690,000 to Crossan's parents and her estate.

Getting sued is a possibility the Blacksburg High School Band Boosters in Blacksburg, Va., have considered, said John Sills, who organized a band trip to Orlando in April.

The booster club is in "active discussion" about the possibility of purchasing liability insurance to protect parents, said Sills, the president of the organization.

Members are concerned about the possibility of lawsuits, he said.

"If we decided not to have any insurance, at some point a year or two from now, some parents might say they can't take the risks," Sills said.

Jan Harp Domene of Anaheim, Calif., was grateful for the liability insurance provided by the California PTA when she was sued because a student broke his nose while slam-dancing at a dance she was chaperoning.

"Parents need to be cautious," said Harp Domene, who serves as president of National PTA. "Parents trust that you are watching over their children."

Not all schools provide liability coverage.

Concerned chaperones can also look to their homeowners policies, some of which cover accidents away from the home.

Sometimes it takes an event like the Crossan lawsuit to draw attention to a potential risk, said Lisa Soronen, a senior staff attorney with the National School Board Association in Alexandria, Va.

"Many parents do chaperone and don't think a thing about it for a second," she said.

"Almost everything a school does involves some amount of risk."