Liability Coverage

Liability coverage protects MMIA Member from the risk that they may be sued and held legally liable for their actions. The need for a reasonably priced and effective liability coverage program helped bring the MMIA Liability Coverage Program into being. An invaluable part of the program is the Liability/Property Claims Unit that adjusts all liability claims brought against MMIA member cities.

Access MMIA Member Portal - OrigamiRisk

User Instructions:

Origami Member Portal Guide (PDF)
First Time Log in to Origami (PDF)

Need to report a new claim?

City or Town representatives may click the photo below to report a Liability Claim.

Liability Program Contacts Liability Coverage Documents & Resources FAQ

Liability Program Contacts

Name

Position

Phone Number

Mark Gauthier

Liability/Property Claims Adjuster Supervisor

406-495-7007

Matt Heidinger

Liability/Property Claims Adjuster I

406-495-7034

Matt Post

Liability/Property Claims Adjuster I

406-495-7015

Natalie Gallup

Senior Claims Adjuster

Claims Technician II

Claims Technician

Not sure who to contact? Contact the Liability/Property team at liability@mmia.net or 800-635-3089 option 5

Liability Coverage Documents & Resources

FAQ

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.