Property/Casualty Insurance (Core Program)

A summary of active shooter/deadly weapon policy information is provided here. This summary does not alter or amend coverage provided in statute or under the commercial insurance policy.

A summary of aircraft coverage, exclusions, and policy information is provided below. Coverage may vary by agency and aircraft. This summary does not alter or amend coverage provided in statute or under the state property/casualty insurance program. Specific exclusions, limitations, or conditions may apply. Pilots that are approved by the state to fly aircraft must meet the pilot requirements. For additional information, please contact the Risk Management & Tort Defense Division at (406) 444-2421.

Summary

1. Insurer: Chubb – Westchester Fire Insurance Company.
2. Broker: Mountain Air Insurance Services.
3. Term: 7/1 to 6/30 each fiscal year.
4. Coverage Territory: This policy applies to insured events in the United States (excluding Alaska), Canada, and Mexico.
5. Physical Damage Coverage: Physical damage for state-owned aircraft, up to stated value including disappearance and search & rescue efforts associated with recovery of the aircraft, emergency landings, spare parts, temporary rental of aircraft/parts, extra repair expenses, transportation costs, expediting expenses, etc. Changes in reported values must be reported within 90 days. Physical damage for owned aircraft not to exceed 10 passenger seats. Exclusions: mechanical breakdown, wear and tear, loss of use, conversion, embezzlement, etc.
6. Liability to Others: Bodily injury, property damage, cargo (except valuables and animals), and passenger baggage, use of premises, including defense costs, which the state is legally obligated to pay others as a result of the negligent operation of an owned aircraft (10 seats or less including crew). Exclusions: Noise pollution, employee injury, assumed liability, etc.
7. Non-Owned Aircraft Liability: Bodily injury, property damage, cargo, and passenger baggage, use of premises, including defense costs, which the state is legally obligated to pay others as a result of the negligent operation of a non-owned aircraft provided the aircraft is reported within 90 days. Exclusions: Aircraft which have a seating capacity (including crew) of more than 40. Aircraft leased for more than 30 days.
8. Non-owned Aircraft Physical Damage Liability Coverage: Physical damage for non-owned state aircraft with a certified gross weight not to exceed 12,500 pounds and a maximum of 40 seats (including crew) provided the aircraft is reported within 30 days.
9. Newly acquired aircraft: Up to 150% of the highest amount of insurance shown in the declarations not to exceed $10 million. Aircraft up to 20 seats (including crew). Newly acquired aircraft must be reported within 90 days.
10. Other Exclusions: Coverage will not apply if the aircraft is piloted by a pilot not approved by the state, the pilot is not properly certified/qualified/rated by the FAA, the airworthiness certificate is not in full force, or losses arise from war, invasion, nuclear events, strikes, riots, sabotage, hijacking, , date recognition errors, contamination, pollution, noise, electrical interference, pleasure and business, charter commercial, instruction and rental, wear and tear, etc.
11. Limit: Liability: $10,000,000 subject to the state's tort damage cap of $750,000 per claim, $1,500,000 per occurrence (§2-9-108,MCA). Physical Damage Coverage: Values reported by state agencies. Various other sub-limits apply based upon type of coverage and aircraft.
12. Deductible: Paid by the Risk Management & Tort Defense Division for liability coverage. There is an agency deductible of $1,000 for hull (i.e. physical damage) coverage. Any deductible amounts for hull damage above $1,000 are paid by the Risk Management & Tort Defense Division.

A summary of airport liability coverage, exclusions, and policy information is provided below. Coverage may vary by airport and agency. This summary does not alter or amend coverage provided in statute or under the state property/casualty insurance program. Specific exclusions, limitations, or conditions may apply. For additional information, please contact the Risk Management & Tort Defense Division at (406) 444-2421.

Summary

1. Insurer: Chubb - ACE Property Casualty Insurance Company.
2. Broker: Mountain AirInsurance Services.
3. Term: 7/1 to 6/30 each fiscal year.
4. Coverage Territory: This policy applies to insured events worldwide except where sanctions are applied by the U.S. Government.
5. Liability Covered: Bodily injury or property damage arising from operation of an airport, construction or demolition, hangar keeper's liability, products and premises.
6. Defense, Settlement, and Payments: Defense costs, court costs, reimbursements, and other reasonable expenses.
7. Exclusions: Contractual liability, liquor liability, workers’ compensation, aircraft/auto/watercraft, mobile equipment, air meets, control towers, noise pollution, wars, hijacking, radioactive contamination, date recognition, terrorism, etc.
8. Deductible: The deductible is paid by the Risk Management & Tort Defense Division for liability coverage.
9. Limit: $25,000,000 subject to the state's tort damage cap of $750,000 per claim, $1,500,000 per occurrence (§2-9-108, MCA). Various sub-limits apply.

A summary of tort liability coverage (including auto) and exclusions is provided below. This summary does not alter or amend coverage provided in statute or under the state property/casualty insurance program. When state-owned vehicles are not available, state agencies and universities are encouraged to utilize their state purchasing cards to lease vehicles from Enterprise or Hertz in order to obtain the free vehicle insurance offered under the state's term contracts below in "Auto (Free Insurance Under Term Rental Car Contracts)." Comprehensive review of coverage and program requirements: Word (46kb) or PDF (245kb). State Vehicle Use Rule (ARM 2.6.201).

Summary

1. Insurer: The State of Montana is self-insured in accordance with §2-9-101, MCA through §2-9-305, MCA.
2. Broker: Not applicable.
3. Term: Continuous.
4. Coverage Territory: See Section III of this document.
5. Liability Covered: Defense against claims or lawsuits arising from property damage or personal injury to third parties. For liability coverage outside of the United States, see Section III of this document.
6. Agencies Covered: All state agencies and universities as defined in §2-9-101, MCA.
7. Acts Covered: All negligent acts of state and university employees provided they arise in an official capacity on behalf of the state (§2-9-305, MCA).
8. Acts Excluded:
   1. Any personal injury or property which may be covered under a separate workers' compensation, auto, fire, property, or general liability policy.
   2. The conduct of the employee constitutes a criminal offense.
   3. The conduct upon which a claim is based constitutes oppression, fraud, or malice, or for any other reason does not arise out of the course and scope of employee's employment (§2-9-305, MCA).
   4. Liability assumed under contract.
   5. The employee failed to cooperate reasonably in the defense of the case.
   6. The employee compromised or settled the claim without the consent of the Risk Management & Tort Defense Division.
9. Comprehensive/Collision Coverage: See Section III of this document.
10. Limit: Statutorily defined at $750,000 per claim, $1,500,000 per occurrence for liability (§2-9-108, MCA). For comprehensive/collision coverage the limit is a reasonable determination of the market value (actual cash value) of the vehicle by the Risk Management & Tort Defense Division.
11. Deductible: ot applicable for liability (i.e. personal injury or property damage to third parties). There is a $250 deductible for comprehensive/collision coverage on state owned or leased vehicles. The University of Montana deductible for leased trucks from rental car companies is $1,000

When state-owned vehicles are not available, state agencies and universities are encouraged to utilize their state purchasing cards to lease vehicles from Enterprise/National or Hertz in order to obtain the free vehicle insurance offered under the state's term contracts. See Sections III. c. through III. f of this document for a summary of coverage requirements outside of the United States. This summary does not alter or amend coverage provided under the state's term contracts.

Travel Accident Insurance

• $500,000 free accident coverage if caused by a common carrier (i.e. bus, coach, boat, plane, etc.) when employees of the State of Montana and the Montana University System use their state purchasing cards to purchase their entire common carrier travel fare. In order for coverage to apply, the name used for each purchase of the common carrier travel fare, must match the name on the state purchasing card.
• Free collision damage coverage when employees of the State of Montana and the Montana University System use their state purchasing card to pay for the vehicle rental and list the driver's name and the state agency/university they are connected with on the rental agreement. In order for coverage to apply, the name used for each rental purchase, must match the name on the state purchasing card.
• View the Visa Pro Card Guide to Benefits.

Learn more about the collision damage waiver offered under the state's purchasing card contract.

Collision Damage Waiver/Liability

When state agencies and universities rent vehicles from Enterprise/National or Hertz under the National Association of Procurement Officials (NASPO) agreement they receive:

• Free collision damage insurance.
• Free vehicle liability coverage to $1,000,000 per occurrence for bodily injury or property damage.

In order for employees of the State of Montana and the Montana University System to take advantage of the free collision damage insurance, the following Account Numbers and PINS must be used when renting from Enterprise/National Rent-A-Car.

• XZ63WMT and Pin No. MTS – Official State of Montana Business Travel
• XZ63MSU and Pin No. MSU – Montana State University
• XZ63UOM and Pin No. UMU – University of Montana
• XZ63UMT and Pin No. MTM – Montana Tech
• XZ63MSB and Pin No. MSU – Montana State University Billings

In order for employees of the State of Montana and the Montana University System to take advantage of the free collision damage insurance, the following Corporate Discount Number (CDP) 66675 must be used when renting from Hertz Rent-A-Car.

Learn more about free rental insurance with Enterprise / National and other services offered under the National Association of Procurement Officials agreement.

Learn more about free rental insurance with Hertz and other services offered under the National Association of Procurement Officials agreement.

Please contact the Risk Management & Tort Defense Division at (406) 444-2421 or the State Procurement Bureau at (406) 444-2575 if you have additional questions.

A summary of boiler & machinery coverage, exclusions, and policy information is provided below. Coverage may vary by object or agency. This summary does not alter or amend coverage provided in statute or under the state property/casualty insurance program. Specific exclusions, limitations, or conditions may apply. For additional information, please contact the Risk Management & Tort Defense Division at (406) 444-2421.

Summary

1. Insurer(s): Various Lloyd's of London and domestic insurance carriers.
2. Broker: Alliant Insurance Services.
3. Term of Coverage: 7/1 to 6/30 each fiscal year.
4. Coverage Territory: The policy applies to insured property within the United States. There is a $1,000,000 limit for properties outside of the United States. For coverage outside these territories please contact the Risk Management and Tort Defense Division.
5. Cause of Loss Covered: Direct damage to covered property. Sudden and accidental breakdown of an insured object or part of the object, with physical damage that requires repair or replacement. Extended coverage for hazardous substance, ammonia contamination, water damage, media coverage, consequential damage, utility interruption, refrigerants and halon, repairs required by ordinances and laws.
6. Property Covered: Insured objects are:
   
   1. Boilers, fired vessels, unfired vessels normally subject to vacuum or internal pressure other than weight of contents, refrigerating and air conditioning vessels and any metal piping and its accessory equipment.
   2. Mechanical or electrical machine or apparatus used for the generation, transmission or utilization of mechanical or electric power (i.e. air conditioners, furnaces, and production machinery).
   3. Note: Sewer piping, underground gas, foundation plates, elevators, cranes, hoists, power shovels are not covered.
7. Perils Excluded: Exclusions are as indicated below, but are not all included.
   
   1. Nuclear hazard.
   2. War and Military action.
   3. Explosion, except from an explosion from a state object.
   4. Earth movement.
   5. Testing of equipment.
   6. Lack of power.
   7. Loss covered by other insurance.
   8. Due diligence for loss for failure to use reasonable means to resume business.
8. Valuation of Property: At the time of accident the cost to repair or replace the property with like size, kind and quality of equipment. Business income lost for the time to repair or replace equipment and resume operations.
9. Limits:
   
   1. $100,000,000 Breakdown, Extra Expense, etc.
   2. $10,000,000 Service Interruption.
   3. $10,000,000 Consequential Damage.
   4. $10,000,000 Electronic Data Processing Media.
   5. $10,000,000 Ammonia Contamination.
   6. $10,000,000 Hazardous Substances.
   7. $10,000,000 Perishable Goods.
10. Deductibles:
    1. $25,000 per incident.
    2. $1,000 per agency/university.

A summary of crime insurance coverage, exclusions, and policy information is provided below. Coverage may vary by location or agency. This summary does not alter or amend coverage provided in statute or under the state property/casualty insurance program. Specific exclusions, limitations, or conditions may apply. For additional information, please contact the Risk Management & Tort Defense Division at (406) 444-2421.

Summary

1. Insurer: National Union Fire Insurance Company of Pittsburgh, Pennsylvania and Zurich American Insurance Company.
2. Broker: Alliant Insurance Services
3. Term: 7/1 to 6/30 each fiscal year
4. Coverage Territory: This policy applies to insured losses anywhere in the world arising from employees, directors, trustees, board members, officers, leased employees, and other persons performing services for the state/university system including vendors and contractors acting alone or in collusion with others.
5. Cause of Loss Covered:
   
   1. Theft, forgery, or alteration of checks, drafts, promissory notes, or similar written promises.
   2. Theft, robbery, or burglary of money, securities, and other property on state or university premises.
   3. Theft, robbery or burglary of money, securities, and other property outside of state or university premises including property in the care, custody, and control of an armored carrier or messenger.
   4. Money orders or counterfeit money that are not paid upon presentation.
   5. Computer fraud resulting from the use of a computer to fraudulently transfer property.
   6. Funds transfer fraud resulting from fraudulent directions to a financial institution to transfer, pay, or deliver funds.
   7. Vendor impersonation fraud.
6. Property Covered: Money, securities, and other property as defined in the policy.
7. Major Coverage Exclusions:
   
   1. Accounting errors.
   2. Unauthorized disclosure of confidential information.
   3. Confidential information.
   4. Seizure or destruction of property by a government authority.
   5. Government action.
   6. Nuclear hazard.
   7. Pollution.
   8. War and military action.
   9. Inventory shortages and loss of inventory.
   10. Trading.
   11. Money operating devices.
   12. Vandalism.
   13. Countries with enforceable sanctions.
   14. Loss of income.
   15. Consequential loss including inability to realize income.
   16. Losses arising from fire, except damage to money, securities, and money vaults.
   17. Nuclear risks, radioactive contamination, or biological or chemical contamination.
   18. Accounting or arithmetical errors.
   19. Damage to property arising from vandalism or malicious mischief.
   20. Loss arising from debit or charge cards.
8. Valuation of Property: Face value of money of the money issued in that country, the dollar equivalent of money or securities as determined by the rate of exchange on the day the loss was discovered, and replacement cost for property.
9. Limits: $10,000,000
10. Deductibles:
    1. $500,000 per incident.
    2. $1,000 per agency/university.

A summary of data/information security insurance coverage, exclusions, and policy information is provided below. Coverage may vary by agency. This summary does not alter or amend coverage provided in statute or under the state property/casualty insurance program. If your agency experiences a data/information security incident involving the unauthorized disclosure of private, non-public information, please follow the instructions below in the Claims section and submit the claim to the Risk Management & Tort Defense Division. Learn more about cyber risk. For additional information, please contact us at (406) 444-2421.

Summary

1. Insurer: Beazley Insurance Company and Greenwich Insurance Company.
2. Broker: Alliant Insurance Services, Inc.
3. Term: 7/1 to 6/30 each fiscal year.
4. Coverage Territory: This policy applies to insured events worldwide.
5. Coverage Summary: This policy provides coverage for the following:

Data/Information Security Liability

1. Damages and claims expenses associated with theft, loss, and unauthorized disclosure of private, non-public information.
2. Damages and claims expenses associated with alteration, corruption, and deletion of private, non-public information caused by malicious code and/or service denial failure.
3. Damages and claims expenses associated with unauthorized sharing and unauthorized selling of private, non-public information.
4. Failure to administer an identity theft protection program.

Privacy Notification Costs

1. Cost of hiring computer security experts to determine the existence and cause of a breach of private, non-public information.
2. Cost to comply with breach notification laws.
3. Cost of notifying parties affected by the breach.
4. Cost of credit monitoring for one year for individuals affected by the breach of privacy laws.

Regulatory Defense and Penalties

1. Claims expenses and penalties arising from regulatory proceedings involving the unauthorized disclosure of private, non-public information.
2. Claims expenses and penalties arising from violations of privacy laws.

Website Media

1. Damages and expenses associated with defamation, libel, slander, caused by the disclosure of private, non-public information.
2. Damages and expenses associated with public disclosure of private information.
3. Damages and expenses associated with plagiarism, piracy, misappropriation of ideas involving private, non-public information.
4. Damages and expenses associated with infringement of copyright of private, non-public information.

6. Exclusions: A summary of exclusions is hereby provided.
   1. Bodily Injury or Property Damage
   2. Any employer-employee relations policies and practices
   3. Contractual liability or obligation
   4. Anti-trust violations
   5. Unfair trade practices
   6. Incidents occurring prior to retroactive date of coverage
   7. Securities Act violations
   8. Fair Labor Act violations
   9. Discrimination
   10. Patent infringement
   11. Money/securities/funds transfer
   12. Broadcasting, publications, and advertising
   13. War and terrorism
   14. Pollution
   15. Nuclear events
   16. Radioactive contamination
7. Approved Vendors: Insurance coverage may not apply if the insurance carriers' approved vendorsare not utilized. Contact the Risk Management and Tort Defense Division if you have questions.
8. Co-Insurance: There is no deductible. However, each agency or university is responsible for 10% of reasonable and necessary expenses incurred by the Risk Management & Tort Defense Division to investigate, evaluate, and resolve data/information security claims. The division will bill agencies for their fair share of co-insurance payments after the loss up to a maximum of $25,000.
9. Limits:
   $8,000,000 per occurrence Business Interruption/Data Recovery (Liability & 1st Party)
   $8,000,000 per occurrence Data/Network/Media/Cards (Liability & 1st Party) subject to the Montana Tort Cap (§2-9-108, MCA)
   $8,000,000 per occurrence Regulatory Fines & Penalties (Liability) subject to the Montana Tort Cap (§2-9-108, MCA)
   $8,000,000 annual aggregate all coverages combined
   $8,000,000 per occurrence Privacy Notification
10. Deductibles:
    $250,000 Risk Management & Tort Defense, 10% co-pay per agency/university up to $25,000
11. Note: Losses that fall outside of commercial insurance limits are the responsibility of each agency/university.

A summary of fine arts coverage, exclusions, and policy information is provided below. Coverage may vary by agency and by location. This summary does not alter or amend coverage provided in statute or under the state property/casualty insurance program. Specific exclusions, limitations, or conditions may apply. For additional information, please contact the Risk Management & Tort Defense Division at (406) 444-2421.

Summary

1. Insurer: StarNet Insurance Company and Axis Insurance Company.
2. Broker: Alliant Insurance Services.
3. Term of Coverage: 7/1 to 6/30 each fiscal year.
4. Coverage Territory: This policy applies to insured property on a 'wall to wall' basis from the time the property is removed from its normal repository to return shipment, except prior notification and approval of the Risk Management & Tort Defense Division is required for any shipment by ocean going marine vessel. For coverage outside these territories please contact the Risk Management and Tort Defense Division.
5. Cause of Loss Covered: All risk of direct physical loss from any external cause except as excluded within the policy form.
6. Property Covered: Paintings, etchings, drawings, rare books, manuscripts, rugs, tapestries, statuary, and other bona fide works of art, or rarity, historic value, or artistic merit of all kinds, which is:
   1. Property of the state.
   2. Property of others on loan to the state.
   3. Property of others offered as gifts to the state.
   4. The state's interest in residuary gifts.
   5. And also property of others loaned to the state for which the state has been instructed to insure and while in transit.
7. Liability Coverage: This policy covers the liability of the state as bailee of all loaned properties for which the state has been instructed to insure.
8. International Transportation Coverage: The policy covers property of state and others that the state has been instructed to insure while at locations outside of the United States and Canada and while in transit. See policy for policy terms and conditions for shipments.
9. Major Exclusions: The policy has the following primary exclusions amongst others within the policy itself.
   1. Wear and tear, gradual deterioration, inherent vice, or loss sustained due to or resulting from any repairing, restoration, or retouching process.
   2. Hostile or warlike action.
   3. Loss or damage to property shipped under "on deck" Bills of Lading.
   4. Nuclear loss.
   5. Shipments by mail unless by registered first class mail.
10. Valuation of Property: In the event of loss the valuation of property will be; Property of the State; Current market value at the time the damage occurs. Property acquired: Current market value at time of loss. Property on loan: Value agreed upon between owners and state provided it does not exceed market value.
11. Limits:
    $500,000,000 At premises.
    $500,000,000 Disaster/Loss/All Expenses Combined.
    $100,000,000 Unnamed locations worldwide.
    $100,000,000 Legal liability subject to the Montana Tort Cap (§2-9-108).
    $100,000,000 In-transit worldwide.
12. Deductibles: $25,000 any one loss except no deductible for legal liability.

State and university employees who travel abroad are required to participate in the state's foreign insurance program. The coverage applies to directors, officers, and employees of state agencies and universities (excluding students) who are traveling or working outside the United States and Puerto Rico. Individuals that are traveling to Cuba must request permission and submit forms prior to travel. Please contact the Risk Management & Tort Defense Division to obtain required forms and approval by the state’s insurance underwriters before each trip.

Summary

1. Broker: Alliant Insurance Services.
2. Insurance Carrier: State agencies and universities are insured under separate foreign insurance policies through Chubb Insurance Group. State agencies and the university system are both insured under the same insurance policy for foreign special risks through Great American Insurance Companies.
3. Term of Coverage: 7/1 to 6/30
4. Parties Covered: Directors, officers, and employees but excluding students.
5. Coverages and Exclusions: • Foreign Auto Liability and Physical Damage - See Sections III. c. through III. f of this document for a summary of insurance coverage provided outside of the United States. Note: State agencies/universities must purchase local vehicle liability insurance if the vehicle will be driven outside of the United States. Further, state agencies/universities must purchase local vehicle comprehensive/collision insurance if required by the laws of the foreign jurisdiction or if the free comprehensive/collision insurance offered through VISA, Hertz, or Enterprise under the state’s term contracts does not apply. In addition to the insurance coverage heretofore mentioned, the division purchases contingent auto insurance which provides coverage above and beyond the coverage purchased in accordance with the laws required by the foreign jurisdiction or the free insurance coverage offered through VISA, Enterprise, Hertz under the state’s term contracts. View a summary of the contingent auto insurance coverage for state employees or summary of the contingent auto insurance coverage for university employees.
   • Foreign General Liability for state employees or Foreign General Liability for university employees.
   • Foreign Special Risk.
   • Various other exclusions apply. Travel to countries with trade or economic sanctions. information about countries with trade or economic sanctions can be found on the U.S. Department of the Treasury website.
6. Claim Reporting: To obtain claims assistance for foreign insurance or foreign special risk claims, please contact a staff member at the Risk Management & Tort Defense Division. See "Contact Us in an Emergency" under the Claims section of this page.
7. For additional information on foreign travel, the following links are provided:
   • View the U.S. Department of State - Travel Information
   • View the U.S. Department of Homeland Security - Travel Security & Procedures
   • View the U.S. Customs & Border Protection - Know Before You Go

The Risk Management & Tort Defense Division offers a low cost notary bond alternative in response to numerous requests from our clients for a convenient one source stop for all insurance coverage needs.

The notary bond protects the public from a notary's failure to correctly validate the identity of parties to an agreement/contract. The general requirement is that a Montana notary bond must be for at least 4 years and $25,000.

Since the notary bond protects the public, not the notary, it is recommended that state and university notaries obtain at least $25,000 in additional errors and omissions coverage. The errors and omissions coverage protects the notary from negligent acts or omissions.

State agency or university system notaries may now obtain a notary bond through the state's insurance broker, Alliant Insurance Services Inc. Alliant has agreed to place this coverage with a qualified insurance company at the rate schedule found in the table below.

For additional information about how to become a notary or to renew your notary commission, please visit the Secretary of State's notary website. To apply for notary bond coverage please complete the electronic application found below on this page.

The application MUST be printed out and faxed to Alicia Cortez, Alliant Insurance Services at 619-699-0906 for formal review. Additional information is required for $50,000 and $100,000 policy requests. Your agency will be billed directly for the cost of the notary bond. In addition, the notary bond will also be sent to the billing address indicated on the application.

You may contact Alicia, Alliant Insurance Services, at (949) 260-5099 with any additional questions about your notary bond.

Notary Bond Rate Schedule

Bond Amount / Rate

• $25,000 / $78
• $50,000 / $156
• $100,000 / $312

Montana notary bonds must be for at least 4 years and $25,000.

4 year Notary Bond of $25,000 = $78

Additional Errors & Omissions Recommended

Access through this program is available ONLY to state agencies and university system employees. This is a service provided by the State of Montana's insurance broker; Alliant Insurance Services Inc.

A summary of property insurance coverage, exclusions, and policy information is provided below. Coverage may vary by agency and property. This summary does not alter or amend coverage provided in statute or under the state property/casualty insurance program. Specific exclusions, limitations, or conditions may apply. For a comprehensive review of coverage and program requirements, please click here for PDF (234kb) or here for Word (47kb). For additional information, please contact the Risk Management & Tort Defense Division at (406) 444-2421.

1. Insurer(s): Various Lloyd’s of London and domestic insurance carriers.
2. Broker: Alliant Insurance Services.
3. Term: 7/1 to 6/30 each fiscal year.
4. Coverage Territory: The United States, (including its territories and possessions), and Puerto Rico. For coverage outside these territories please contact the Risk Management and Tort Defense Division.
5. Cause of Loss Covered: All risk of direct physical loss, subject to exclusions. Coverage applicable includes, but is not limited to; fire, explosion, windstorm, hail, riot, vandalism and malicious mischief, earthquake, and flood.
6. Property Covered: All real and personal property owned or leased by the state or for which the state is legally obligated to insure. Coverage includes vehicles garaged at state locations, business income, electronic data processing media/equipment, landscaping, golf courses, athletic fields, tunnels, bridges, catwalks, dams, jewelry, furs, precious metals, stones, watercraft, and rolling stock.
7. Perils Excluded: The policy does not insure against any of the following:
   1. Loss or damage caused by or resulting from moth, vermin, termites or other insects, inherent vice, latent defect, faulty workmanship, error in design or materials, wear and tear or gradual deterioration, contamination, pollution, corrosion, rust, wet or dry rot, or mold, mildew, fungus, spores or other microorganism.
   2. Delay or loss of markets.
   3. Infidelity or any dishonesty on part of the insured, including inventory shortage or unexplained disappearance.
   4. Loss from nuclear perils.
   5. Loss from war, rebellion, insurrection or by order of any government or public authority.
   6. Loss or damage to personal property resulting from shrinkage, evaporation, loss of weight, leakage, breakage of fragile articles, marring, scratching, exposure to light or change in color, texture or flavor.
   7. Loss or damage caused by rain, sleet or snow to personal property left in the open.
   8. Loss or damage to steam boilers, pipes, turbines, or engines directly caused by bursting, rupture, cracking, or explosion originating therein.
   9. Physical loss or damage by normal settling, shrinkage or expansion in building or foundation.
8. Property Excluded: The policy excludes the following types of property:
   1. Aircraft and watercraft over 27 feet in length.
   2. Railroad rolling stock, except that of Montana Heritage Commission.
   3. Land, bodies of water, standing timber, and growing crops.
9. Valuation of Property: The actual expenditure for repair or replacement of damaged or destroyed property for real and personal property and with regard to loss of income, the loss incurred for the time to rebuild, replace or repair the property. For vehicles damaged, the actual cash value, except for fire engines.
10. Limits of Liability: See table below.
11. Deductibles:
    1. $2,000,000 per occurrence all risk.
    2. $1,000 per agency unless a higher deductible is selected, per occurrence for all perils, including specially trained animals.
    3. 24 hour waiting period for Service interruption.

State agencies and universities are the stewards of valuable properties including buildings, equipment, land, water, and recreational sites. Public and private organizations outside of Montana State Government often request permission to use these facilities for official functions and/or recreational activities.

State facilities or universities occasionally sponsor fundraisers, recreational activities, or gala events that may further the state's mission. However, some of these activities may present an unusually high degree of risk and result in claims or lawsuits. Such events may warrant special events liability insurance as opposed to insurance provided under the state's self-insured program.

Please follow these steps to secure liability coverage:

1. Complete TULIP Application
   For events sponsored by a tenant/user, please complete the Tenant/User Liability Insurance Applicationand send it to Danica Boe, Risk Management & Tort Defense Division, P.O. Box 200124, Helena, Montana, 59620-0124, Danica.Boe@mt.gov, (406) 444-3168. For special events or high risk activities sponsored by a state agency or university that may fall outside the scope of the state's self-insured program such as fireworks, parades, athletic events, and concerts, please complete the Nominee Event Applicationand send it to Brett Dahl, Risk Management & Tort Defense Division, P.O. Box 200124, Helena, Montana, 59620-0124, bdahl@mt.gov, (406) 444-3687. Please submit the appropriate TULIP application at least 15 business days in advance of an event to allow enough lead time to secure coverage.
2. Notification of Coverage
   You will be notified by the Risk Management & Tort Defense Division in writing of the insurance carrier's decision to approve or deny insurance coverage for each event within 5 business days. Each event will be rated in accordance with the schedules provided in the Special Event Liability Insurance Guidelines and Procedures Manual and the insurance premium will be determined from the hazard schedule therein. If the event is not approved for insurance coverage, you must instruct your tenant/user/instructor to secure his/her own coverage through a licensed insurance agent in Montana. The state must be named as an additional insured on the tenant's/user's/instructor's insurance for any use of state premises. Any exception must be approved by the Risk Management & Tort Defense Division.
3. Insurance Premium Payments
   For tenant/user events each agency is responsible to collect the insurance premium from its tenant/user before each event commences. The tenant user will pay the agency directly and the agency will submit the special event reporting form with payment and a copy of each certificate quarterly to Driver Alliant Insurance Services, Special Events, P. O. Box 6450, Newport Beach, CA 92658 by April 15th, July 15th, October 15th, and January 15th of each year. A copy of the form should be mailed to Danica Boe at the Risk Management and Tort Defense Division when payment is made to Alliant.
4. Certificates of Insurance
   Certificates of insurance will be issued by Danica Boe, Risk Management & Tort Defense Division. Your agency will receive a copy of each certificate that is issued.
5. Acknowledgement of Risk
   Waivers of liability are illegal in Montana; however, your agency must prepare an "Acknowledgement of Risk Form" to be signed by participants in all athletic events. View waiver of liability guidelines. Signed "Acknowledgement of Risk Forms" for all athletic events must be sent to Danica Boe, Risk Management & Tort Defense Division.