Liability Program

Liability coverage protects MMIA member-owners from claims arising from bodily injury, personal injury, property damage, automobile liability, public officials’ errors and omissions, employee benefit liability, land use practices and employment practices. Member-owners also benefit from additional coverages included at no additional cost such as pollution liability. Each and every claim is assigned to and managed by a human, not an automated claim system. MMIA has knowledgeable, experienced claim staff with unique insight into municipal operations.

MMIA Member Access - Origami MMIA Member - File a Claim

Program Contacts

Mark Gauthier
Liability/Property Claims Adjuster Supervisor

Natalie Gallup
Senior Claims Adjuster

Matt Heidinger
Liability/Property Claims Adjuster I

Matt Post
Liability/Property Claims Adjuster I

Kady Griego
Claims Technician II

Rick Northrup
Claims Technician

Not sure who to contact?

Contact the Liability/Property team at [email protected]
Call us at 800-635-3089 option 5

Claim Submission

Online claim filing is for authorized city or town staff only. Per MCA 2-9-301, all claims against a city or town shall be presented and filed with the city or town. To file a claim against a city or town, please contact the appropriate city or town representative directly to report your claim. See MCA 2-9-101 for definitions.

Liability Program FAQs

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

Is there coverage for employment practices?

Yes, there is an additional Employment Practices Coverage (EPC) endorsement available at no cost if the member-owner complies with specific underwriting requirements. Please see the EPC application for details.

Does MMIA offer notary bonding?

Yes, through Alliant Insurance Services, MMIA’s Broker. Visit our Notary Page to access additional information and the application.

Does MMIA provide liability coverage for miscellaneous items like skate parks?

Yes, there is a no-cost skateboard facilities endorsement available if the member-owner complies with specific requirements as outlined in the application for coverage. Please see the Skateboard Facilities Application for details.

What is Special Events Coverage?

Visit our Special Events Coverage page to access information regarding this coverage.

What is pollution liability coverage?

Pollution liability coverage is secured through a commercial policy by MMIA on behalf of member-owners of the Liability Program. The additional coverage is at no cost, but member-owners must opt in to the coverage and provide required information to MMIA’s broker, Alliant Insurance Services, to help facilitate securing the coverage. This commercial policy provides coverage for remediation expenses and liability coverage for on-site and off-site contamination, and coverage for claims of bodily injury and property damage as a result of contamination for both on-site and off-site.

The MMIA is not an insurance company. This quick guide is for informational purposes only, is not the memorandum of liability coverage itself, is subject to change, and is designed only to briefly describe the contents of the memorandum of liability coverage. Each member’s coverage may be different. For complete terms and conditions, and important exclusions from coverage please read the applicable memorandum of liability coverage. These FAQs shall not be deemed to be the rendering of legal or coverage advice. The coverage afforded by the MMIA is subject to the terms and conditions of the applicable memorandum of liability coverage and other MMIA program documents. Nothing herein shall be construed to alter, amend, supersede, or otherwise change the terms and conditions of the memorandum of liability coverage or other MMIA program documents.

Want to learn more about reducing liability claims?

View MMIA Risk Management

Liability Program

Liability Program Documents

Liability Program FAQs

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