Frequently Asked Questions
What does the Program cover?
Per the terms of the Memorandum of Liability Coverage in effect at the time of occurrence:
- General Liability
- Professional Liability
- Public Officials Errors & Omissions
- Auto Liability
- Employee Benefit Liability
- Land Use Practices
- Defense of Non-Monetary Claims for Open Meeting & Public Documents Claims
- No-Fault Coverage Sewer Backup/Water Main Breaks
Does the Program cover Employment Practices Liability?
There is an optional Employment Practices Liability (EPLI) coverage available through an endorsement. To obtain the endorsement, a member must submit their personnel policies to MMIA for review. Please see the EPLI application for details.
Does MMIA offer notary bonding?
Yes, through Alliant, MMIA’s Broker. Visit our Notary Page to access additional information and the application.
State law (section 2-9-803, MCA) requires: “All elected and appointed city or town officers or employees must be bonded for the faithful performance of all official duties required by law.”
Does the MMIA provide this bonding?
Montana code further allows a municipality to meet this bonding obligation by purchasing coverage provided “by a self-insurance pool insuring cities or towns" as authorized under 2-9-211, MCA, i.e. the MMIA.
Like all of the MMIA coverage our Crime and Fidelity endorsement is unique. It is only offered to our property program participants (who must also be enrolled in our liability program) and comes in a form that relates most closely to the Commercial Blanket Bond described above, call 800-635-3089 option 3 for more information.
Does MMIA provide liability coverage for miscellaneous items like skate parks?
The answer is yes if the city is willing to comply with certain requirements. An application is available which outlines the requirements that the city must meet in order to have the endorsement for the respective item in question.
What is Special Events Coverage?
Visit our Special Events Coverage page to access information regarding this coverage.
Ann Komac