Special Event Coverage
MMIA has consistently recommended that cities and towns use risk management principles and take reasonable steps to manage the exposures in your operations. We have always maintained that if exposures are created by others who are using municipal facilities and if the city/town cannot control the outcome, then the city/town should transfer that exposure onto the event holder. If you can’t control the outcomes, you cannot manage the risk. If you can’t manage the risk, you should require the event holder (who can manage the risk) to assume the exposure by accepting the liability for the event and securing insurance, naming the city/town as an additional insured.
One difficulty in executing this sound risk management practice has been the push back cities/towns receive regarding the event holders' ability to find affordable insurance coverage for these events. We believe that we have found a solution to this problem. The MMIA and the Independent Insurance Agents of Montana (IIAM) have worked together to provide access to Special Events Liability Coverage for events held on municipal property in Montana that are sponsored by a private individual or organization. This program offers easy and affordable, short-term coverage for a wide variety of events. To obtain coverage, event holders may contact an agent from the list of authorized agencies or the IIAM to review the event details and set up the coverage. Please allow a minimum of 5 business days prior to the event for coverage to be offered.
Find an Authorized Special Events Agency (PDF)
For questions, contact the MMIA at 1-800-635-3089 or the Independent Insurance Assoc. of MT (IIAMT) at 1-406-442-9555.
