In addition to employees, Montana law requires employers to cover their elected officials, volunteer emergency service workers (firefighters, police, ambulance workers) and court appointed workers. A member may also elect to cover their other volunteers.

MMIA Members’ other volunteers fall into three categories:

(1) The consistent volunteer is an individual who volunteers more than 15 hours per month.

(2) The regular volunteer is an individual who volunteers between one and fifteen hours per month.

(3) The casual volunteer is an individual who volunteers for a special activity, for example, an annual event sponsored by the city.

The MMIA recommends a city elect coverage on all volunteers and not just a select group or groups. The coverage is inexpensive and provides the city with exclusive remedy should a volunteer sustain an injury or develop a disease while serving in their capacity as a city volunteer. Without workers’ compensation coverage, a volunteer’s remedy would be to file a liability claim which generally costs more due to damages beyond wage loss and medical.

Consistent Volunteer
The consistent volunteer is an individual who volunteers more than 15 hours per month and the assumed payroll is $100 per month. These volunteers should be reported on the workers' compensation quarterly payroll report to MMIA.

Regular Volunteer
The regular volunteer is an individual who volunteers between one and fifteen hours per month and the assumed payroll is $50 per month. These volunteers should be reported on the workers' compensation quarterly payroll report to MMIA.

Casual volunteers.
These are the special event volunteers, and the assessment is a flat fee based on the number of volunteers per event (see chart below). Coverage for casual volunteers must be requested and approved prior to the event. You can access the application to request workers’ compensation coverage for these events by utilizing the "Request Coverage" button below. The MMIA will review applications for compliance with underwriting criteria and may approve, deny and/or request additional information. If denied, the applicant will receive notification of the denial. If approved, notice will be sent to the member including instructions for payment and submission of the volunteer roster. The Member must submit a roster with all volunteer names and the last four numbers of their social security number or date of birth within two days of the event. Worker’s compensation coverage for the event will only be bound with the MMIA upon receipt of both the roster and payment.

Assessment rates are a flat fee per event as follows:

Number of Casual Volunteers	Standard Assessment
1 – 25 Volunteers	$91
29 – 100 Volunteers	$161
101 – 199 Volunteers	$186
200 – 299 Volunteers	$238
For each 100 volunteers above 299 add	$64

If you have questions or concerns regarding the casual volunteer coverage reporting instructions or how to submit an application requesting coverage, please call the MMIA at 1-800-635-3089 and enter the extension for either Ann Komac, Claims Manager (ext. 121) or Britani Laughery, Operations Manager (ext. 114).