Property/Casualty Insurance (Core Program)

In accordance with §2-9-201 MCA, the Risk Management and Tort Defense Division is responsible for the acquisition and administration of all property/casualty insurance purchased for protection of state agencies and universities, except employee benefits and workers' compensation. For assistance with an insurance question, please contact the Insurance Staff, listed above on this page.

A summary of active shooter/deadly weapon policy information is provided here. This summary does not alter or amend coverage provided in statute or under the commercial insurance policy.

A summary of aircraft coverage, exclusions, and policy information is provided below. Coverage may vary by agency and aircraft. This summary does not alter or amend coverage provided in statute or under the state property/casualty insurance program. Specific exclusions, limitations, or conditions may apply. Pilots that are approved by the state to fly aircraft must meet the pilot requirements. For additional information, please contact the Risk Management & Tort Defense Division at (406) 444-2421.

Summary

Insurer: Chubb – Westchester Fire Insurance Company.
Broker: Mountain Air Insurance Services.
Term: 7/1 to 6/30 each fiscal year.
Coverage Territory: This policy applies to insured events in the United States (excluding Alaska), Canada, and Mexico.
Physical Damage Coverage: Physical damage for state-owned aircraft, up to stated value including disappearance and search & rescue efforts associated with recovery of the aircraft, emergency landings, spare parts, temporary rental of aircraft/parts, extra repair expenses, transportation costs, expediting expenses, etc. Changes in reported values must be reported within 90 days. Physical damage for owned aircraft not to exceed 10 passenger seats. Exclusions: mechanical breakdown, wear and tear, loss of use, conversion, embezzlement, etc.
Liability to Others: Bodily injury, property damage, cargo (except valuables and animals), and passenger baggage, use of premises, including defense costs, which the state is legally obligated to pay others as a result of the negligent operation of an owned aircraft (10 seats or less including crew). Exclusions: Noise pollution, employee injury, assumed liability, etc.
Non-Owned Aircraft Liability: Bodily injury, property damage, cargo, and passenger baggage, use of premises, including defense costs, which the state is legally obligated to pay others as a result of the negligent operation of a non-owned aircraft provided the aircraft is reported within 90 days. Exclusions: Aircraft which have a seating capacity (including crew) of more than 40. Aircraft leased for more than 30 days.
Non-owned Aircraft Physical Damage Liability Coverage: Physical damage for non-owned state aircraft with a certified gross weight not to exceed 12,500 pounds and a maximum of 40 seats (including crew) provided the aircraft is reported within 30 days.
Newly acquired aircraft: Up to 150% of the highest amount of insurance shown in the declarations not to exceed $10 million. Aircraft up to 20 seats (including crew). Newly acquired aircraft must be reported within 90 days.
Other Exclusions: Coverage will not apply if the aircraft is piloted by a pilot not approved by the state, the pilot is not properly certified/qualified/rated by the FAA, the airworthiness certificate is not in full force, or losses arise from war, invasion, nuclear events, strikes, riots, sabotage, hijacking, , date recognition errors, contamination, pollution, noise, electrical interference, pleasure and business, charter commercial, instruction and rental, wear and tear, etc.
Limit: Liability: $10,000,000 subject to the state's tort damage cap of $750,000 per claim, $1,500,000 per occurrence (§2-9-108,MCA). Physical Damage Coverage: Values reported by state agencies. Various other sub-limits apply based upon type of coverage and aircraft.
Deductible: Paid by the Risk Management & Tort Defense Division for liability coverage. There is an agency deductible of $1,000 for hull (i.e. physical damage) coverage. Any deductible amounts for hull damage above $1,000 are paid by the Risk Management & Tort Defense Division.

Airport Liability Summary

A summary of airport liability coverage, exclusions, and policy information is provided below. Coverage may vary by airport and agency. This summary does not alter or amend coverage provided in statute or under the state property/casualty insurance program. Specific exclusions, limitations, or conditions may apply. For additional information, please contact the Risk Management & Tort Defense Division at (406) 444-2421.

Summary

Insurer: Chubb - ACE Property Casualty Insurance Company.
Broker: Mountain AirInsurance Services.
Term: 7/1 to 6/30 each fiscal year.
Coverage Territory: This policy applies to insured events worldwide except where sanctions are applied by the U.S. Government.
Liability Covered: Bodily injury or property damage arising from operation of an airport, construction or demolition, hangar keeper's liability, products and premises.
Defense, Settlement, and Payments: Defense costs, court costs, reimbursements, and other reasonable expenses.
Exclusions: Contractual liability, liquor liability, workers’ compensation, aircraft/auto/watercraft, mobile equipment, air meets, control towers, noise pollution, wars, hijacking, radioactive contamination, date recognition, terrorism, etc.
Deductible: The deductible is paid by the Risk Management & Tort Defense Division for liability coverage.
Limit: $25,000,000 subject to the state's tort damage cap of $750,000 per claim, $1,500,000 per occurrence (§2-9-108, MCA). Various sub-limits apply.

Risk Exposure Reporting Requirements

The state's airport liability insurance protects state agencies against liability from third parties arising from the operation of state airports.

Coverage may vary by agency. Please indicate the airport name, city, zip code, elevation, runway type, runway width, runway length, and the start coverage date.

Premiums are determined by the commercial insurer and divided by the number of airports. Those agencies with airports will be billed by the Risk Management and Tort Defense Division. Airport insurance coverage for a particular airport may be cancelled by clicking the 'End Coverage on Selected Item' button.

Note: Airports reported during the FY 2026 reporting cycle should be those airports that are projected to be utilized during FY 2027. Airports reported during the FY 2026 reporting cycle are the basis for insurance coverage during FY 2027. Unreported airports utilized in FY 2027 may not be covered. Please contact the Risk Management & Tort Defense Division if your agency needs insurance coverage. Contact information can be found above in the About Us section.

A summary of tort liability coverage (including auto) and exclusions is provided below. This summary does not alter or amend coverage provided in statute or under the state property/casualty insurance program. When state-owned vehicles are not available, state agencies and universities are encouraged to utilize their state purchasing cards to lease vehicles from Enterprise or Hertz in order to obtain the free vehicle insurance offered under the state's term contracts below in "Auto (Free Insurance Under Term Rental Car Contracts)." Comprehensive review of coverage and program requirements: Word (46kb) or PDF (245kb). State Vehicle Use Rule (ARM 2.6.201).

Summary

Insurer: The State of Montana is self-insured in accordance with §2-9-101, MCA through §2-9-305, MCA.
Broker: Not applicable.
Term: Continuous.
Coverage Territory: See Section III of this document.
Liability Covered: Defense against claims or lawsuits arising from property damage or personal injury to third parties. For liability coverage outside of the United States, see Section III of this document.
Agencies Covered: All state agencies and universities as defined in §2-9-101, MCA.
Acts Covered: All negligent acts of state and university employees provided they arise in an official capacity on behalf of the state (§2-9-305, MCA).
Acts Excluded:
1. Any personal injury or property which may be covered under a separate workers' compensation, auto, fire, property, or general liability policy.
2. The conduct of the employee constitutes a criminal offense.
3. The conduct upon which a claim is based constitutes oppression, fraud, or malice, or for any other reason does not arise out of the course and scope of employee's employment (§2-9-305, MCA).
4. Liability assumed under contract.
5. The employee failed to cooperate reasonably in the defense of the case.
6. The employee compromised or settled the claim without the consent of the Risk Management & Tort Defense Division.
Comprehensive/Collision Coverage: See Section III of this document.
Limit: Statutorily defined at $750,000 per claim, $1,500,000 per occurrence for liability (§2-9-108, MCA). For comprehensive/collision coverage the limit is a reasonable determination of the market value (actual cash value) of the vehicle by the Risk Management & Tort Defense Division.
Deductible: ot applicable for liability (i.e. personal injury or property damage to third parties). There is a $250 deductible for comprehensive/collision coverage on state owned or leased vehicles. The University of Montana deductible for leased trucks from rental car companies is $1,000

When state-owned vehicles are not available, state agencies and universities are encouraged to utilize their state purchasing cards to lease vehicles from Enterprise/National or Hertz in order to obtain the free vehicle insurance offered under the state's term contracts. See Sections III. c. through III. f of this document for a summary of coverage requirements outside of the United States. This summary does not alter or amend coverage provided under the state's term contracts.

Travel Accident Insurance

$500,000 free accident coverage if caused by a common carrier (i.e. bus, coach, boat, plane, etc.) when employees of the State of Montana and the Montana University System use their state purchasing cards to purchase their entire common carrier travel fare. In order for coverage to apply, the name used for each purchase of the common carrier travel fare, must match the name on the state purchasing card.
Free collision damage coverage when employees of the State of Montana and the Montana University System use their state purchasing card to pay for the vehicle rental and list the driver's name and the state agency/university they are connected with on the rental agreement. In order for coverage to apply, the name used for each rental purchase, must match the name on the state purchasing card.
View the Visa Pro Card Guide to Benefits.

Learn more about the collision damage waiver offered under the state's purchasing card contract.

Collision Damage Waiver/Liability

When state agencies and universities rent vehicles from Enterprise/National or Hertz under the National Association of Procurement Officials (NASPO) agreement they receive:

Free collision damage insurance.
Free vehicle liability coverage to $1,000,000 per occurrence for bodily injury or property damage.

In order for employees of the State of Montana and the Montana University System to take advantage of the free collision damage insurance, the following Account Numbers and PINS must be used when renting from Enterprise/National Rent-A-Car.

XZ63WMT and Pin No. MTS – Official State of Montana Business Travel
XZ63MSU and Pin No. MSU – Montana State University
XZ63UOM and Pin No. UMU – University of Montana
XZ63UMT and Pin No. MTM – Montana Tech
XZ63MSB and Pin No. MSU – Montana State University Billings

In order for employees of the State of Montana and the Montana University System to take advantage of the free collision damage insurance, the following Corporate Discount Number (CDP) 66675 must be used when renting from Hertz Rent-A-Car.

Learn more about free rental insurance with Enterprise / National and other services offered under the National Association of Procurement Officials agreement.

Learn more about free rental insurance with Hertz and other services offered under the National Association of Procurement Officials agreement.

Please contact the Risk Management & Tort Defense Division at (406) 444-2421 or the State Procurement Bureau at (406) 444-2575 if you have additional questions.

Risk Exposure Reporting Requirements

The state's auto (vehicle) insurance protects state agencies and universities against liability arising from the operation of vehicles for official state activities. Employees who are traveling outside of the United States are required to purchase local vehicle liability insurance. Comprehensive/collision coverage is optional and may be purchased by state agencies to cover auto physical damage under the state self-insurance plan. State and university employees who lease/rent vehicles from private rental car companies are encouraged to take advantage of the free vehicle comprehensive/collision coverage that is provided by VISA and WSCA worldwide for state/university employees who charge their entire travel fare on their state procurement card and/or lease/rent vehicles from Enterprise or Hertz. Agencies and universities leasing vehicles through VISA or WSCA contract are not covered by the state self-insurance plan unless their vehicles are reported to the Risk Management & Tort Defense Division.

Coverage may vary by agency.

Liability

All vehicles that are owned/leased/loaned/rented by the state are covered for liability, except personal vehicles of state and university employees and vehicles over 15 passengers. Vehicles over 15 passengers are not covered for vehicle liability unless prior written approval has been granted by the State Risk Manager. Those agencies/universities owning vehicles and wishing to add insurance coverage must complete the vehicle liability form found in PCIIS in order for coverage to apply.

Please indicate the total mileage for all vehicle activity and the number of vehicles by class on the 'Edit Liability Data' page. Do not include vehicles leased from the Montana Department of Transportation Motor Pool in Helena in the number of vehicles by class.

Passenger Cars - Cars, passenger vans (under 15 passengers), suburbans, blazers, etc.

Buses - Commercial use, under 15 passengers.

Light Trucks - One ton or less, including cargo vans.

Medium Trucks - 11,000 to 30,000 GVW and motor homes.

Heavy Trucks - Tandem axle (semi truck) and special units, diesel or gasoline.

Motorcycles/Scooters - A powered vehicle with two wheels in tandem, may have a side car with a third wheel.

Commercial Trailers - Semi-trailers, mobile office trailers.

Self-Propelled/Specialized Equipment - Mowers, snowmobiles, motor patrols, crawlers, street sweepers and watercraft.

Drones - Drones or Unmanned Aerial Systems (UAS)

Utility Trailers - Flatbed, not enclosed, and all enclosed trailers.

Passenger Van - A van with seating for under 15 passengers, including the driver. Reminder: Vehicles at 15 passengers and over are not covered for liability unless prior written approval has been granted by the State Risk Manager.

Agencies and universities are requested to maintain a current list of state owned/leased/loaned/courtesy vehicles; however, they do not need to submit any lists unless specifically requested. The number and type of units will provide the basis for billing insurance premium allocations.

State owned/leased/loaned/courtesy vehicles acquired throughout the fiscal year that require liability coverage are covered immediately, but must be reported in PCIIS the following year. No prorated premium for the balance of the year will be charged. Conversely, no prorated rebates will be given for vehicles sold or placed in surplus during the fiscal year.

Comprehensive/Collision (Optional)

Those agencies and universities owning vehicles or drones and wishing to add comp/collision coverage must add the vehicle in PCIIS first in order for coverage to apply. Agencies/universities are required to enter the following information on the 'Vehicle Comprehensive/Collision' entry form provided in PCIIS if comprehensive/collision coverage is desired.

Year, Make, Model
Type of Unit (passenger car, bus, etc., see above for definitions)
Vehicle Identification Number
Ownership
Market Value of the Vehicle (based on NADA values)
Current/Primary Location (street address, city, zip) where parked or most commonly used
Start date
Additional comments such as license plate number and name of the owner/lender

The NADA (National Automobile Dealership Association) used car guide is typically used to determine market values for vehicles not recently acquired. The NADA used car guide website may be accessed by clicking on the link 'Market Value' at the top of the 'Vehicle Comprehensive/Collision' form provided in PCIIS.

Each vehicle must have an accurate market value or coverage will not be provided. Agencies/universities with a large number of vehicles should contact the Underwriting Manager for access to RMTD's online subscription to NADA. Agency / university users are required to update the market value of each vehicle annually to ensure accurate premium calculations. See the About Us section above for contact information.

State and university vehicles parked on state / university premises have catastrophic insurance coverage for physical damage, however, they must be reported as 'Special Contents, Vehicles' in the Commercial Property section of PCIIS in order for coverage to apply. Only report vehicles at locations whose cumulative value exceeds $50,000. Do not report each vehicle separately.

Buses whose replacement cost (new) exceeds $250,000 should be reported as special contents on the building most proximate in the Commercial Property section of PCIIS. Please report the value of the bus by building as 'special contents, buses'.

Buses at 15 passengers and over, including driver, are not covered for comprehensive/collision unless prior written approval has been granted by the State Risk Manager. Transit buses (<30 passengers) owned by campuses may be used to transport occupants within the county limits in which the campus is located and may be insured if reported.

Drones or Unmanned Aerial Systems (UAS) whose replacement cost (new) exceeds $250,000 are not covered unless prior approval has been granted by the State Risk Manager. Once approval for insurance has been given by the State Risk Manager, they should be reported as special contents on the building most proximate in the Commercial Property section of PCIIS. Please report the value of the drone/UAS by building as 'special contents, drone/UAS'.

Vehicles are not insured while they are off state/university premises or in motion unless vehicle comprehensive/collision coverage is selected and reported for each vehicle.

Specialty vehicles valued over $500,000 may be insured to RCV (replacement cost value). Submit a request to the State Risk Manager. See above in the About Us section for contact information.

Short Term Rentals/Motor Pool Vehicles obtained from private rental car companies, or the Montana Department of Transportation Motor Pool in Helena, are automatically covered for comprehensive/collision by the state self-insurance fund for the first 30 days and do not need to be reported in PCIIS. Comprehensive/collision coverage for all other vehicles may be obtained only by requesting coverage through PCIIS prior to the loss.

Agencies and universities with current comprehensive/collision vehicles are requested to verify or update data on the form for their vehicles. Be sure to update the current market value as that will be the basis of determining premiums for comprehensive and collision coverage.

Loaned (Courtesy) Vehicles

Vehicles loaned to state agencies and universities on an annual basis should be reported in the same manner as for a leased vehicle utilizing the procedures above.

Rental Vehicles

Rental vehicles used by traveling state and university employees will be covered for liability and comprehensive/collision damage. No premium will be charged to vehicles rented for less than 30 days, but deductibles will apply to the user. State and university employees need not purchase additional coverage offered by car rental companies.

Billing

Comprehensive/collision vehicles will be provided coverage based upon a premium charge of a percentage of the market value of the vehicle and prorated by actual usage. Liability coverage will be provided at the same rate as for state-owned vehicles.

Termination of Coverage

Coverage may be terminated by clicking the 'End Coverage on Selected Item' button. The effective date of cancellation is the date entered and saved in PCIIS.

Note: Autos reported during the FY 2026 reporting cycle should be those autos that are projected to be utilized during FY 2027. Autos reported during the FY 2026 reporting cycle are the basis for insurance coverage during FY 2027. Unreported autos utilized in FY 2027 may not be covered. Please contact the Risk Management & Tort Defense Division if your agency needs insurance coverage.

A summary of boiler & machinery coverage, exclusions, and policy information is provided below. Coverage may vary by object or agency. This summary does not alter or amend coverage provided in statute or under the state property/casualty insurance program. Specific exclusions, limitations, or conditions may apply. For additional information, please contact the Risk Management & Tort Defense Division at (406) 444-2421.

Summary

Insurer(s): Various Lloyd's of London and domestic insurance carriers.
Broker: Alliant Insurance Services.
Term of Coverage: 7/1 to 6/30 each fiscal year.
Coverage Territory: The policy applies to insured property within the United States. There is a $1,000,000 limit for properties outside of the United States. For coverage outside these territories please contact the Risk Management and Tort Defense Division.
Cause of Loss Covered: Direct damage to covered property. Sudden and accidental breakdown of an insured object or part of the object, with physical damage that requires repair or replacement. Extended coverage for hazardous substance, ammonia contamination, water damage, media coverage, consequential damage, utility interruption, refrigerants and halon, repairs required by ordinances and laws.
Property Covered: Insured objects are:
1. Boilers, fired vessels, unfired vessels normally subject to vacuum or internal pressure other than weight of contents, refrigerating and air conditioning vessels and any metal piping and its accessory equipment.
2. Mechanical or electrical machine or apparatus used for the generation, transmission or utilization of mechanical or electric power (i.e. air conditioners, furnaces, and production machinery).
3. Note: Sewer piping, underground gas, foundation plates, elevators, cranes, hoists, power shovels are not covered.
Perils Excluded: Exclusions are as indicated below, but are not all included.
1. Nuclear hazard.
2. War and Military action.
3. Explosion, except from an explosion from a state object.
4. Earth movement.
5. Testing of equipment.
6. Lack of power.
7. Loss covered by other insurance.
8. Due diligence for loss for failure to use reasonable means to resume business.
Valuation of Property: At the time of accident the cost to repair or replace the property with like size, kind and quality of equipment. Business income lost for the time to repair or replace equipment and resume operations.
Limits:
1. $100,000,000 Breakdown, Extra Expense, etc.
2. $10,000,000 Service Interruption.
3. $10,000,000 Consequential Damage.
4. $10,000,000 Electronic Data Processing Media.
5. $10,000,000 Ammonia Contamination.
6. $10,000,000 Hazardous Substances.
7. $10,000,000 Perishable Goods.
Deductibles:
1. $25,000 per incident.
2. $1,000 per agency/university.

Risk Exposure Reporting Requirements

The state's boiler & machinery insurance protects the state from sudden and accidental losses arising from the operation of boilers and machinery. Fired vessels, hot boilers, fire tube, and other machinery, including refrigerating units, are covered provided they are appropriately reported.

Coverage may vary by agency. Refrigeration units with more than $100,000 in perishable inventories (i.e. food product, specimens, experiments, chemicals, evidence, etc.) must be reported as property "special contents" (see below) in order for coverage from spoilage exposure to apply to inventories. Please report machinery and AC units whose estimated replacement cost value exceeds $100,000. Agencies are responsible to establish values.

Please indicate the MTB #, building name and specific location or room within the building where the boiler is located. Please enter the classification of the boiler, what it is used for, the type of boiler, the value of the boiler, number of British Thermal Units (BTUs) it generates, and start date. Click the 'Assign Property' button and choose the building where the boiler is located. A BTU is defined as the amount of heat needed to raise one pound of water by one degree Fahrenheit.

Boilers are regularly inspected by the Department of Labor and Industry. Each agency/university is responsible to cooperate with inspectors and to follow-up with identified deficiencies. Please provide a copy of all inspection correspondence to the Risk Management and Tort Defense Division. Agencies/universities are responsible to keep the Risk Management and Tort Defense Division informed of any changes in the status of boiler ownership. For example, boilers that are no longer in operation or do not need insurance should not be reported and may be excluded from coverage by clicking the 'End Coverage on Selected Item' button. Agencies/universities should be particularly mindful that when state buildings are sold, vacated, or demolished that often boilers exist in such facilities. Boilers that are sold or in some other way disposed of should be excluded from coverage and reporting.

To report refrigeration units or machinery choose the appropriate item in the "Class", "Purpose", and "Type" fields. A refrigeration unit (i.e. cooler, freezer, sub-zero freezer, laboratory unit, etc.) with a value more than $100,000 itself, and/or containing more than $100,000 in inventory (i.e. food product, specimens, experiments, chemicals, evidence, etc.) must be reported for coverage to apply. For Boiler Class, choose "Refrigeration Unit". For Purpose, choose "Refrigeration". For Boiler ID, enter an abbreviated descriptor and your number (i.e. CLR##, FZR##, SUB##, etc.). In the Value field, indicate the value of the refrigeration unit itself, not to include delivery, installation or other charges. The BTU field may be left blank for refrigeration units. For Location, enter the room name/number or area where the unit is located within the Property selected. See the Property Insurance section to report refrigerated inventories valued more than $100,000. Turbines, generators, and large scale machinery should also be listed by location. Refrigeration unit and machinery insurance coverage for a particular unit may be cancelled by clicking the 'End Coverage on Selected Item' button.

Boiler and machinery premiums for each agency are determined by the commercial insurer based on a charge per boiler multiplied by the number of boilers reported by each agency. Agencies and universities will be billed for boilers not listed as determined by authorized inspectors. Those agencies/universities owning machinery and wishing to add insurance coverage must first contact the Risk Management & Tort Defense Division.

Note: Boilers & machinery reported during the FY 2026 reporting cycle should be those boilers & machinery that are projected to be utilized during FY 2027. Boilers & machinery reported during the FY 2026 reporting cycle are the basis for insurance coverage during FY 2027. Unreported boilers & machinery utilized in FY 2027 may not be covered. Please contact the Risk Management & Tort Defense Division if your agency needs insurance coverage. See above in the About Us section for contact information.

A summary of crime insurance coverage, exclusions, and policy information is provided below. Coverage may vary by location or agency. This summary does not alter or amend coverage provided in statute or under the state property/casualty insurance program. Specific exclusions, limitations, or conditions may apply. For additional information, please contact the Risk Management & Tort Defense Division at (406) 444-2421.

Summary

Insurer: National Union Fire Insurance Company of Pittsburgh, Pennsylvania and Zurich American Insurance Company.
Broker: Alliant Insurance Services
Term: 7/1 to 6/30 each fiscal year
Coverage Territory: This policy applies to insured losses anywhere in the world arising from employees, directors, trustees, board members, officers, leased employees, and other persons performing services for the state/university system including vendors and contractors acting alone or in collusion with others.
Cause of Loss Covered:
1. Theft, forgery, or alteration of checks, drafts, promissory notes, or similar written promises.
2. Theft, robbery, or burglary of money, securities, and other property on state or university premises.
3. Theft, robbery or burglary of money, securities, and other property outside of state or university premises including property in the care, custody, and control of an armored carrier or messenger.
4. Money orders or counterfeit money that are not paid upon presentation.
5. Computer fraud resulting from the use of a computer to fraudulently transfer property.
6. Funds transfer fraud resulting from fraudulent directions to a financial institution to transfer, pay, or deliver funds.
7. Vendor impersonation fraud.
Property Covered: Money, securities, and other property as defined in the policy.
Major Coverage Exclusions:
1. Accounting errors.
2. Unauthorized disclosure of confidential information.
3. Confidential information.
4. Seizure or destruction of property by a government authority.
5. Government action.
6. Nuclear hazard.
7. Pollution.
8. War and military action.
9. Inventory shortages and loss of inventory.
10. Trading.
11. Money operating devices.
12. Vandalism.
13. Countries with enforceable sanctions.
14. Loss of income.
15. Consequential loss including inability to realize income.
16. Losses arising from fire, except damage to money, securities, and money vaults.
17. Nuclear risks, radioactive contamination, or biological or chemical contamination.
18. Accounting or arithmetical errors.
19. Damage to property arising from vandalism or malicious mischief.
20. Loss arising from debit or charge cards.
Valuation of Property: Face value of money of the money issued in that country, the dollar equivalent of money or securities as determined by the rate of exchange on the day the loss was discovered, and replacement cost for property.
Limits: $10,000,000
Deductibles:
1. $500,000 per incident.
2. $1,000 per agency/university.

Risk Exposure Reporting Requirements

The state's tort liability insurance covers legal fees, court costs, and settlements/judgments for state and university employees who are sued by third parties while acting in the course and scope of employment in accordance with §2-9-101 through §2-9-305, MCA. Fidelity bond (crime) insurance applies to cash, checks, and other convertible instruments, and provides coverage for dishonesty, forgery, computer fraud, theft, disappearance, and destruction of property.

Coverage may vary by agency/university.

Agencies/universities must edit the tort liability and employee fidelity bond (crime) form found on PCIIS in order for coverage to apply. The Risk Management and Tort Defense will obtain current total FTE counts from OBPP and the Commissioner of Higher Education. If volunteers are utilized, please enter the number of volunteers as well as a brief description of what they do. The agency/university's task is to simply enter the number of Class A FTEs, as defined below, on the form provided in PCIIS.

Class A Employees: All executive, administrative, judicial and supervisory officials, agency and division heads, and all officials and employees whose principal duties are to receive, handle, or have custody of money, checks or securities, or account for supplies or other property; certify, sign or countersign checks, drafts, warrants, vouchers, orders or other documents providing for the disbursement or delivery of money, securities, supplies or other property.

Other Employees: All personnel whose principal duties consist of: 1) inside or outside clerical activities, 2) office work such as stenography, typing, filing, switchboard operation, business machine operations, etc., 3) operation of vehicles transporting passengers for cash fares or tickets, 4) skilled or unskilled labor and craftsmanship, 5) solely the mechanical operation of automotive equipment, 6) non-clerical activities of the medical or nursing professions, 7) any teaching capacity in the field of education, 8) outside or field work of a non-clerical nature, 9) patrolmen, 10) other.

The tort liability insurance premium for each agency/university is based upon historical loss experience and risk exposure as determined by a consulting actuary. Premiums are allocated based upon FTE count. Crime insurance premium will be allocated to each agency/university by the Risk Management and Tort Defense Division based upon the number and classification of employees.

Note: Changes in FTEs and reporting will not affect tort liability coverage, but must be updated and reported in PCIIS during the following reporting cycle. No prorated premium for the balance of the year will be charged during the year for additional FTEs. Conversely, no prorated rebates will be given for reductions in FTEs during the fiscal year.

The FTEs reported during the FY 2026 reporting cycle should be those values projected for FY 2027. Values reported during the FY 2026 reporting cycle are the basis for insurance coverage during FY 2027. Unreported values for FY 2027 may not be covered. Please contact the Risk Management & Tort Defense Division if your agency needs insurance coverage. Contact information can be found above in the About Us section.

A summary of data/information security insurance coverage, exclusions, and policy information is provided below. Coverage may vary by agency. This summary does not alter or amend coverage provided in statute or under the state property/casualty insurance program. If your agency experiences a data/information security incident involving the unauthorized disclosure of private, non-public information, please follow the instructions below in the Claims section and submit the claim to the Risk Management & Tort Defense Division. Learn more about cyber risk. For additional information, please contact us at (406) 444-2421.

Summary

Insurer: Beazley Insurance Company and Greenwich Insurance Company.
Broker: Alliant Insurance Services, Inc.
Term: 7/1 to 6/30 each fiscal year.
Coverage Territory: This policy applies to insured events worldwide.
Coverage Summary: This policy provides coverage for the following:

Data/Information Security Liability

Damages and claims expenses associated with theft, loss, and unauthorized disclosure of private, non-public information.
Damages and claims expenses associated with alteration, corruption, and deletion of private, non-public information caused by malicious code and/or service denial failure.
Damages and claims expenses associated with unauthorized sharing and unauthorized selling of private, non-public information.
Failure to administer an identity theft protection program.

Privacy Notification Costs

Cost of hiring computer security experts to determine the existence and cause of a breach of private, non-public information.
Cost to comply with breach notification laws.
Cost of notifying parties affected by the breach.
Cost of credit monitoring for one year for individuals affected by the breach of privacy laws.

Regulatory Defense and Penalties

Claims expenses and penalties arising from regulatory proceedings involving the unauthorized disclosure of private, non-public information.
Claims expenses and penalties arising from violations of privacy laws.

Website Media

Damages and expenses associated with defamation, libel, slander, caused by the disclosure of private, non-public information.
Damages and expenses associated with public disclosure of private information.
Damages and expenses associated with plagiarism, piracy, misappropriation of ideas involving private, non-public information.
Damages and expenses associated with infringement of copyright of private, non-public information.

Exclusions: A summary of exclusions is hereby provided.
1. Bodily Injury or Property Damage
2. Any employer-employee relations policies and practices
3. Contractual liability or obligation
4. Anti-trust violations
5. Unfair trade practices
6. Incidents occurring prior to retroactive date of coverage
7. Securities Act violations
8. Fair Labor Act violations
9. Discrimination
10. Patent infringement
11. Money/securities/funds transfer
12. Broadcasting, publications, and advertising
13. War and terrorism
14. Pollution
15. Nuclear events
16. Radioactive contamination
Approved Vendors: Insurance coverage may not apply if the insurance carriers' approved vendorsare not utilized. Contact the Risk Management and Tort Defense Division if you have questions.
Co-Insurance: There is no deductible. However, each agency or university is responsible for 10% of reasonable and necessary expenses incurred by the Risk Management & Tort Defense Division to investigate, evaluate, and resolve data/information security claims. The division will bill agencies for their fair share of co-insurance payments after the loss up to a maximum of $25,000.
Limits:
$8,000,000 per occurrence Business Interruption/Data Recovery (Liability & 1st Party)
$8,000,000 per occurrence Data/Network/Media/Cards (Liability & 1st Party) subject to the Montana Tort Cap (§2-9-108, MCA)
$8,000,000 per occurrence Regulatory Fines & Penalties (Liability) subject to the Montana Tort Cap (§2-9-108, MCA)
$8,000,000 annual aggregate all coverages combined
$8,000,000 per occurrence Privacy Notification
Deductibles:
$250,000 Risk Management & Tort Defense, 10% co-pay per agency/university up to $25,000
Note: Losses that fall outside of commercial insurance limits are the responsibility of each agency/university.

A summary of fine arts coverage, exclusions, and policy information is provided below. Coverage may vary by agency and by location. This summary does not alter or amend coverage provided in statute or under the state property/casualty insurance program. Specific exclusions, limitations, or conditions may apply. For additional information, please contact the Risk Management & Tort Defense Division at (406) 444-2421.

Summary

Insurer: StarNet Insurance Company and Axis Insurance Company.
Broker: Alliant Insurance Services.
Term of Coverage: 7/1 to 6/30 each fiscal year.
Coverage Territory: This policy applies to insured property on a 'wall to wall' basis from the time the property is removed from its normal repository to return shipment, except prior notification and approval of the Risk Management & Tort Defense Division is required for any shipment by ocean going marine vessel. For coverage outside these territories please contact the Risk Management and Tort Defense Division.
Cause of Loss Covered: All risk of direct physical loss from any external cause except as excluded within the policy form.
Property Covered: Paintings, etchings, drawings, rare books, manuscripts, rugs, tapestries, statuary, and other bona fide works of art, or rarity, historic value, or artistic merit of all kinds, which is:
1. Property of the state.
2. Property of others on loan to the state.
3. Property of others offered as gifts to the state.
4. The state's interest in residuary gifts.
5. And also property of others loaned to the state for which the state has been instructed to insure and while in transit.
Liability Coverage: This policy covers the liability of the state as bailee of all loaned properties for which the state has been instructed to insure.
International Transportation Coverage: The policy covers property of state and others that the state has been instructed to insure while at locations outside of the United States and Canada and while in transit. See policy for policy terms and conditions for shipments.
Major Exclusions: The policy has the following primary exclusions amongst others within the policy itself.
1. Wear and tear, gradual deterioration, inherent vice, or loss sustained due to or resulting from any repairing, restoration, or retouching process.
2. Hostile or warlike action.
3. Loss or damage to property shipped under "on deck" Bills of Lading.
4. Nuclear loss.
5. Shipments by mail unless by registered first class mail.
Valuation of Property: In the event of loss the valuation of property will be; Property of the State; Current market value at the time the damage occurs. Property acquired: Current market value at time of loss. Property on loan: Value agreed upon between owners and state provided it does not exceed market value.
Limits:
$500,000,000 At premises.
$500,000,000 Disaster/Loss/All Expenses Combined.
$100,000,000 Unnamed locations worldwide.
$100,000,000 Legal liability subject to the Montana Tort Cap (§2-9-108).
$100,000,000 In-transit worldwide.
Deductibles: $25,000 any one loss except no deductible for legal liability.

Risk Exposure Reporting Requirements

The state's fine art insurance covers objects of rare or historic value such as paintings, estatuaries, or collections that state agencies and universities own or are instructed to insure.

Coverage may vary by agency. Agencies/universities are required to accurately and completely enter the following information:

Building
Location
Local inventory
Value of exhibited items
Value of stored items
5 year loss history
Description of insured objects
Security measures
Start coverage date

Fine arts are insured to market value (i.e. what a fine arts buyer would pay for the object given its historical value). Because the values of fine arts are constantly changing and sometimes difficult to determine in the event of a loss, each agency/university should maintain a detailed list of fine art objects it wishes to insure by building, along with fine art documentation such as purchasing agreements, photographs, or video.

Coverage for fine arts is limited to $500 million at reported locations and $100 million at all other locations. Therefore, agencies and universities whose fine art values exceed these limits must contact the Risk Management and Tort Defense Division immediately. Each agency that has fine arts must maintain accurate inventories of their fine art objects along with estimated market values by location, including outdoor objects. Do not include personal property of state and university employees. Market values of fine art objects are volatile and subject to frequent change, therefore, it is suggested that photographs or videotaped inventories of these objects are maintained to provide additional documentation in the event of a loss. For art that is leased, loaned, or donated to the state, agencies should not agree to insure the object to a requested value. Rather, the state's fine art insurance values an object to its market value at the time of the loss. Agencies and universities who wish to insure an object of fine art to a value greater than its market value must obtain prior approval from the Risk Management & Tort Defense Division if the value of the object exceeds $25,000. For all objects that are insured to an amount greater than market value, a formal loan agreement must be in place (samples found above in the About Us section) prior to the loss or the fine art may be underinsured. The loan agreement must identify a stated value to which both parties agree.

In order to obtain coverage, each agency or university must report its fine art by location including outdoor objects such as bronzes, estatuaries, etc. on the state property/casualty insurance information system (PCIIS). The entry form requires the agency or university to assign a property and report the specific location or room within the building where the items are located, market value of exhibited and stored items, security, inventory, 5-year loss history, and a description of the objects to be insured.

Taxidermized animals are not covered and should not be reported unless they are memorabilia, natural history objects, historical artifacts, archaeological objects, and/or used as part of an exhibit in direct association with an installation, exhibition, and other bona fide works of art, or they are rare, have historic value, and possess artistic merit.

Coverage for a particular location may be cancelled by clicking the 'End Coverage on Selected Item' button. Each agency/university's insurance premium is determined by the insurance carrier based upon the value of the objects.

Note: Fine art reported during the FY 2026 reporting cycle should be fine art that will be displayed or stored during FY 2027. Fine art reported during the FY 2026 reporting cycle is the basis for insurance coverage during FY 2027. Unreported fine art displayed or stored in FY 2027 may not be covered. Please contact the Risk Management & Tort Defense Division if your agency needs insurance coverage. Contact information can be found above in the About Us section.

State and university employees who travel abroad are required to participate in the state's foreign insurance program. The coverage applies to directors, officers, and employees of state agencies and universities (excluding students) who are traveling or working outside the United States and Puerto Rico. Individuals that are traveling to Cuba must request permission and submit forms prior to travel. Please contact the Risk Management & Tort Defense Division to obtain required forms and approval by the state’s insurance underwriters before each trip.

Summary

Broker: Alliant Insurance Services.
Insurance Carrier: State agencies and universities are insured under separate foreign insurance policies through Chubb Insurance Group. State agencies and the university system are both insured under the same insurance policy for foreign special risks through Great American Insurance Companies.
Term of Coverage: 7/1 to 6/30
Parties Covered: Directors, officers, and employees but excluding students.
Coverages and Exclusions: • Foreign Auto Liability and Physical Damage - See Sections III. c. through III. f of this document for a summary of insurance coverage provided outside of the United States. Note: State agencies/universities must purchase local vehicle liability insurance if the vehicle will be driven outside of the United States. Further, state agencies/universities must purchase local vehicle comprehensive/collision insurance if required by the laws of the foreign jurisdiction or if the free comprehensive/collision insurance offered through VISA, Hertz, or Enterprise under the state’s term contracts does not apply. In addition to the insurance coverage heretofore mentioned, the division purchases contingent auto insurance which provides coverage above and beyond the coverage purchased in accordance with the laws required by the foreign jurisdiction or the free insurance coverage offered through VISA, Enterprise, Hertz under the state’s term contracts. View a summary of the contingent auto insurance coverage for state employees or summary of the contingent auto insurance coverage for university employees.
• Foreign General Liability for state employees or Foreign General Liability for university employees.
• Foreign Special Risk.
• Various other exclusions apply. Travel to countries with trade or economic sanctions. information about countries with trade or economic sanctions can be found on the U.S. Department of the Treasury website.
Claim Reporting: To obtain claims assistance for foreign insurance or foreign special risk claims, please contact a staff member at the Risk Management & Tort Defense Division. See "Contact Us in an Emergency" under the Claims section of this page.
For additional information on foreign travel, the following links are provided:
• View the U.S. Department of State - Travel Information
• View the U.S. Department of Homeland Security - Travel Security & Procedures
• View the U.S. Customs & Border Protection - Know Before You Go

Risk Exposure Reporting Requirements

Cyber/data security insurance covers damages and claims expenses associated with theft, loss, and unauthorized disclosure of private, non-public information. The state’s commercial excess insurance carriers periodically require updated insurance applications. Agencies and universities do not need to complete an application unless otherwise notified by the Risk Management & Tort Defense Division.

Risk Exposure Reporting Requirements

Foreign insurance must be obtained for any agency or university whose employees travel abroad. The coverage provided includes auto liability, general liability, and kidnap & ransom coverage.

Coverage may vary by agency/university. Kidnap and ransom coverage is not available in certain countries. A list of the countries and other information on foreign travel can be found elsewhere in this section.

In order to secure coverage for FY 2027, agencies and universities must complete the ACE International Advantage Application and the ACE Kidnap & Ransom Application provided by the Risk Management & Tort Defense Division. Note: Foreign travel that actually occurred during FY 2026 can be used as a basis for projecting travel and completing the FY 2027 foreign travel application. Any anticipated trips, including ANY trip to Pakistan or the Republic of Georgia, must also be declared on the application. FY 2027 foreign travel reported during the FY 2026 reporting cycle is the basis for insurance coverage during FY 2027. Please contact the Risk Management & Tort Defense Division if your agency has additional questions. Contact information can be found above in the About Us section.

The Risk Management & Tort Defense Division offers a low cost notary bond alternative in response to numerous requests from our clients for a convenient one source stop for all insurance coverage needs.

The notary bond protects the public from a notary's failure to correctly validate the identity of parties to an agreement/contract. The general requirement is that a Montana notary bond must be for at least 4 years and $25,000.

Since the notary bond protects the public, not the notary, it is recommended that state and university notaries obtain at least $25,000 in additional errors and omissions coverage. The errors and omissions coverage protects the notary from negligent acts or omissions.

State agency or university system notaries may now obtain a notary bond through the state's insurance broker, Alliant Insurance Services Inc. Alliant has agreed to place this coverage with a qualified insurance company at the rate schedule found in the table below.

For additional information about how to become a notary or to renew your notary commission, please visit the Secretary of State's notary website. To apply for notary bond coverage please complete the electronic application found below on this page.

The application MUST be printed out and faxed to Alicia Cortez, Alliant Insurance Services at 619-699-0906 for formal review. Additional information is required for $50,000 and $100,000 policy requests. Your agency will be billed directly for the cost of the notary bond. In addition, the notary bond will also be sent to the billing address indicated on the application.

You may contact Alicia, Alliant Insurance Services, at (949) 260-5099 with any additional questions about your notary bond.

Risk Exposure Reporting Requirements

The Risk Management & Tort Defense Division offers a low-cost notary bond alternative in response to numerous requests from our clients for a convenient one source stop for all insurance coverage needs. The notary bond protects the public from a notary's failure to correctly validate the identity of parties to an agreement/contract. The general requirement is that a Montana notary bond must be for at least 4 years and $25,000. Since the notary bond protects the public, not the notary, it is recommended that state and university notaries obtain at least $25,000 in additional errors and omissions coverage. The errors and omissions coverage protects the notary from negligent acts or omissions. State agency or university system notaries may now obtain a notary bond through the state's insurance broker, Alliant Insurance Services Inc.

Notary Bond Rate Schedule

Bond Amount / Rate

$25,000 / $78
$50,000 / $156
$100,000 / $312

Montana notary bonds must be for at least 4 years and $25,000.

4 year Notary Bond of $25,000 = $78

Additional Errors & Omissions Recommended

Access through this program is available ONLY to state agencies and university system employees. This is a service provided by the State of Montana's insurance broker; Alliant Insurance Services Inc.

A summary of property insurance coverage, exclusions, and policy information is provided below. Coverage may vary by agency and property. This summary does not alter or amend coverage provided in statute or under the state property/casualty insurance program. Specific exclusions, limitations, or conditions may apply. For a comprehensive review of coverage and program requirements, please click here for PDF (234kb) or here for Word (47kb). For additional information, please contact the Risk Management & Tort Defense Division at (406) 444-2421.

Insurer(s): Various Lloyd’s of London and domestic insurance carriers.
Broker: Alliant Insurance Services.
Term: 7/1 to 6/30 each fiscal year.
Coverage Territory: The United States, (including its territories and possessions), and Puerto Rico. For coverage outside these territories please contact the Risk Management and Tort Defense Division.
Cause of Loss Covered: All risk of direct physical loss, subject to exclusions. Coverage applicable includes, but is not limited to; fire, explosion, windstorm, hail, riot, vandalism and malicious mischief, earthquake, and flood.
Property Covered: All real and personal property owned or leased by the state or for which the state is legally obligated to insure. Coverage includes vehicles garaged at state locations, business income, electronic data processing media/equipment, landscaping, golf courses, athletic fields, tunnels, bridges, catwalks, dams, jewelry, furs, precious metals, stones, watercraft, and rolling stock.
Perils Excluded: The policy does not insure against any of the following:
1. Loss or damage caused by or resulting from moth, vermin, termites or other insects, inherent vice, latent defect, faulty workmanship, error in design or materials, wear and tear or gradual deterioration, contamination, pollution, corrosion, rust, wet or dry rot, or mold, mildew, fungus, spores or other microorganism.
2. Delay or loss of markets.
3. Infidelity or any dishonesty on part of the insured, including inventory shortage or unexplained disappearance.
4. Loss from nuclear perils.
5. Loss from war, rebellion, insurrection or by order of any government or public authority.
6. Loss or damage to personal property resulting from shrinkage, evaporation, loss of weight, leakage, breakage of fragile articles, marring, scratching, exposure to light or change in color, texture or flavor.
7. Loss or damage caused by rain, sleet or snow to personal property left in the open.
8. Loss or damage to steam boilers, pipes, turbines, or engines directly caused by bursting, rupture, cracking, or explosion originating therein.
9. Physical loss or damage by normal settling, shrinkage or expansion in building or foundation.
Property Excluded: The policy excludes the following types of property:
1. Aircraft and watercraft over 27 feet in length.
2. Railroad rolling stock, except that of Montana Heritage Commission.
3. Land, bodies of water, standing timber, and growing crops.
Valuation of Property: The actual expenditure for repair or replacement of damaged or destroyed property for real and personal property and with regard to loss of income, the loss incurred for the time to rebuild, replace or repair the property. For vehicles damaged, the actual cash value, except for fire engines.
Limits of Liability: See table below.
Deductibles:
1. $2,000,000 per occurrence all risk.
2. $1,000 per agency unless a higher deductible is selected, per occurrence for all perils, including specially trained animals.
3. 24 hour waiting period for Service interruption.

Risk Exposure Reporting Instructions

The state's property insurance program provides protection for state and university properties against a broad array of perils including, but not limited to, earthquake, fire, flood, wind, and property in transit.

Contractors and other parties who request to be named as "Loss Payees" for their interests in property that is in the care, custody, and control of the state must first submit a written request to the State Risk Manager. Certificates of insurance for all Loss Payees will be issued by the state's property insurance broker.

Property coverage is subject to the provisions of the state's commercial excess insurance provided that the property is accurately reported to the division through PCIIS after acquisition or construction. Please update ALL property information including year built, number of FTEs, number of stories, etc. in PCIIS.

Vehicles routinely stored on state/university premises should be reported as special contents on the building most proximate in the Commercial Property section of PCIIS if their cumulative value at the building or structure owned or leased by the state/university exceeds $50,000. Please report the total value of all vehicles by building, not each vehicle separately as 'special contents, vehicles'.

Watercraft up to 27 feet may be covered under the state's property insurance program for losses 'other than collision' (i.e. hail, flood, fire, arson, etc.) provided that they are reported as 'special contents, vehicles' on the specific building record nearest their location in the Commercial Property section of PCIIS. Please report the total value of all watercraft by building, not each watercraft separately.

Unscheduled landscaping (i.e. planted grass, planted trees, planted shrubs/flowers/plants, picnic tables, fire rings, signs, etc.), tees, sand traps, greens, and athletic fields are automatically covered to $1,000,000 per occurrence for perils named under the state's excess property insurance policy and do NOT need to be reported. If the property's cumulative value exceeds $1,000,000, however, the values must be reported in order for coverage to apply. Coverage is subject to a maximum limit of $5,000,000 per occurrence. Values must be reported as "special contents", "outdoor property" by category on the specific building record for the building most proximate to the outdoor property. For example, trees, shrubs, and plants should be cumulatively reported by category as "special contents", "outdoor property", "trees". Landscaping, tees, sand traps, greens, and athletic fields are subject to $25,000/25 gallon maximum per tree limit. Fences should be reported as "special contents", "outdoor property", "fences".

Unscheduled tunnels, bridges, dams, catwalks, roadways, highways, streets, sidewalks, culverts, street lights, and traffic signals are not covered unless prior approval has been granted by the State Risk Manager. Contact information can be found above in the About Us section. Once approval for insurance has been given by the State Risk Manager, these structures are automatically covered to $750,000 per occurrence for perils named under the state's insurance program, excluding earthquake, and do not need to be reported. Values exceeding $750,000 must be reported as "special contents" by category in order for coverage to apply. For example, tunnels should be cumulatively reported by category as "special contents", "outdoor property", "tunnels".

Aquatic property (i.e. boat ramps, docks, piers, etc.) is automatically covered to $250,000 per occurrence for perils named under the state's insurance program and do not need to be reported. Aquatic property whose values per location exceed $250,000 must be reported as "special contents" by category in order for coverage to apply. For example, "docks" should be cumulatively reported by category as "special contents", "aquatic property", "docks".

Refrigerated inventories of more than $100,000 contained within a refrigerating unit (i.e. cooler, freezer, sub-zero freezer, laboratory unit, etc.) must be reported for coverage to apply to the inventory. Inventories may include food product, specimens, experiments, chemicals, evidence, etc. These inventories must be reported as "special contents" of the building they reside, by category in order for coverage to apply. For example, the value of refrigerated inventories should be reported by category as "special contents", "other", with the descriptor "refrigerated inventory" entered. Each refrigeration unit must be reported as machinery. See the Boiler & Machinery Insurance section to report refrigerated units by class, purpose, and type.

Research animals are covered to $50,000 per animal, $2,500,000 per occurrence for physical loss or damage including the cost of re-training expenses subject to all other provisions in the state's commercial property insurance. Coverage is automatic and the animals do not need to be reported unless their value exceeds $50,000 per animal and $2,500,000 per occurrence.

Outdoor equipment (i.e. an object or resource used to equip a person or thing such as an appliance, machine, implement, hardware, gadget, etc.) is not covered unless prior approval has been granted by the State Risk Manager. Once approval for insurance has been given by the State Risk Manager, equipment is automatically covered to $250,000 per occurrence for perils named under the state's insurance program and do not need to be reported. Values exceeding $250,000 must be reported as "special contents" by category in order for coverage to apply. For example, equipment should be cumulatively reported by category as "special contents", "outdoor equipment”, "machine".

Valuable papers including, but not limited to, manuscripts, mechanical drawings, patterns, electronic data processing media, books of accounting and other valuable papers are insured to their replacement cost value (i.e. the value of property of like kind and quality at the time of the loss), including but not limited to costs of research, redrawing, or duplicating property physically lost or damaged. Values exceeding $250,000 must be reported by category as "special contents", "valuable papers".

Power transmission lines, feeder lines, and underground pipes less than 1,000 feet away from a scheduled state premises are covered. Power transmission lines, feeder lines, and underground pipes more than 1,000 feet away from state premises are not covered unless the Risk Management & Tort Defense Division is notified in advance of a claim and approval is given by the state's insurance company. Power transmission lines, feeder lines, and underground pipes should be cumulatively reported by category as "special contents", "outdoor property", "power transmission lines", "underground pipes", etc.

Real and personal property (i.e. state owned or leased computers, equipment, supplies, etc.) outside the United States of America is only insured to $1,000,000 under the state's Commercial Property Insurance program. Agencies who have real or personal property whose value exceeds $1,000,000 should contact the Risk Management & Tort Defense Division for additional coverage.

Property shipped by mail after delivery into the custody of the United States Post Office is excluded.

Offshore property, oilrigs, underground mines, caverns, or underground storage facilities and their contents are excluded. Railroad track is not covered unless prior approval has been granted by the State Risk Manager.

Buildings, contents, and special contents are insured to replacement cost value. All buildings above an estimated $1,000,000 in replacement cost are appraised by private appraisal firms on contract with the Risk Management & Tort Defense Division as funding permits. All other values are determined by modeling through PCIIS to arrive at estimated replacement costs. Buildings designated as "leased" will only be insured to the content value unless the Risk Management & Tort Defense Division is notified and a structure value is provided to the Underwriting Manager. Contact information can be found above in the About Us section.

It is important that an agency/university's values are accurately reported in order for coverage to apply. If a state agency or university does not agree with values listed in PCIIS, then it may provide an alternate value, which will be reviewed by the Underwriting Manager, OR request an appraisal or valuation from the Risk Management & Tort Defense Division. Actual replacement cost will be determined at the time of the loss and may be substantially more or less than the value reported and listed on PCIIS.

Agencies who rent properties from the Department of Administration General Services Division (GSD) should not report ordinary building contents. GSD includes ordinary building structures and contents coverage in the monthly rental amount. Fine arts insurance shall not be included in GSD rental rates but shall be billed separately by RMTD to each agency. Special contents must be reported by the agency responsible for the items. See below for more information on special contents.

Through the 'Commercial Property' Entry Form, an agency may input or update information on its buildings and contents. Each agency/university is asked to complete the following steps:

Buildings:

Carefully review the entire list of buildings for the agency/university and make sure that all desired properties are included and have a valid street address. Click 'Add New Item' and select 'Commercial Property' to insure a newly acquired or newly constructed property.
Click the 'End Coverage on Selected Item' button to terminate coverage on a building that has been sold, demolished, destroyed, does not have an insurable interest, or that is going to be replaced. Verify that the name, number, address, and zip code of each building are correct. It is important to indicate the city and zip code where each building is located.
Verify the square footage, number of stories, and number of FTEs for each building. Indicate any changes in occupancy or square footage due to renovations or additions. Verify the square footage, year built, and fire suppression system (sprinklered) of newly purchased or renovated buildings with the Architecture and Engineering Division of the Department of Administration.
Each building must be classified by occupancy code. See occupancy codes below:

Contents:

Indicate the type of content value of each building. The types of contents are High, Median or Low where applicable. Use the occupancy descriptions and directions below to complete this task.

Occupancy Descriptions

A description of each occupancy type and the respective occupancy code are provided below. In some cases the type of building is self-explanatory. The descriptions of High, Median, and Low are to assist you in completing the building contents type based on the occupancy description for the property. Indicate whether the building has High, Median, or Low level of contents for each building you have listed.

Airport Hangars (AH):

This type of building is self-explanatory. Only a median value of contents applies.

Armory (ARM):

This is a building designed for military training typically made up of a central drill room surrounded by offices, locker rooms, classrooms, storage, kitchen, and support facilities.

Barn (BA):

This type of building is self-explanatory. Typically earth floor, wood or metal frame, and includes pens, gates, rails, etc. No additional contents value applies.

Cabins/Bunkhouses (CA):

These are any cabin or bunkhouse type dwellings, primarily with a wood frame. Only the median content value applies. Contents include typical amounts of beds, dressers, chairs, etc.

Chapel (CH):

These are buildings used primarily for worship but often have meeting, kitchen, and office facilities. Towers, clocks, and bells are not included. Only a MEDIAN value of contents applies.

Clinics (CL):

These are medical practice centers for examination and minor treatment. HIGH content value is a clinic with one or more expensive X-ray machines, and/or extensive office areas. MEDIAN content value is a clinic with a moderate amount of medical instruments, and/or inexpensive X-ray system (s), similar to a dental clinic. Office areas are not extensive. LOW content value is a clinic with examination rooms only, the equipment is owned by others (typically physicians). The office areas are not extensive.

Cottage (Residential) (CO):

These are small residential buildings, typically of wood frame construction. No content value applies, as they are typically property of the residents.

Courthouse (CH):

These are buildings made up of courtrooms, and include judge's benches, seating and witness stands. HIGH content value would be in small buildings, where the courthouse also serves as the primary office building. MEDIAN content value is for a courthouse with additional space devoted to office areas. LOW content value is for buildings, housing, and courtrooms only.

Garage, Parts Storage (GP):

This is a warehouse for the storage of supplies, parts, inventories, police evidence, etc. The actual supplies, parts, etc., are not included. HIGH content value is a complete warehouse with extensive shelving, cabinets, and small office areas. MEDIAN content value is a warehouse in which part of the storage is not on shelves or in cabinets, but merely on the floor or pallets. However, most of the area is devoted to shelving and/or cabinets. LOW content value is for small equipment sheds and warehouses in which almost all of the storage is on the floor or pallets.

Garage, Service Center (GS):

This is a building for the maintenance and repair of vehicles. HIGH content value is for a sophisticated repair shop, with extensive truck/car lifts and diagnostic equipment. MEDIAN content value is an average vehicle repair shop. LOW content value is for a small shop with less sophisticated diagnostic equipment, and few or no lifts.

Garage, Vehicle Storage (GVS):

This type of building is self-explanatory. Since the building is used solely for housing vehicles, there are no contents values.

Government Building (GB):

These are state government centers, composed of offices, courthouses, small police stations, etc. HIGH content value has extensive offices, pc's, and small open areas. MEDIAN content value has more open office areas and common areas. LOW content value is heavily weighted towards courtroom buildings, extensive open areas, and inexpensive offices.

Granary (GR):

This is a structure sheltering agricultural commodities. Content should be reported as Special Content.

Greenhouses (GH):

These are for a typical commercial glass greenhouse, and include minimal values for interior furnishings. There are no additional contents values.

Hatchery (HA):

This type of building is self-explanatory. Only a MEDIAN value of contents applies.

Hospital, General (HG):

This is a full general hospital, with operating rooms, and radiology departments. HIGH content value would include extensive radiology, one or more CAT SCANS and/or Nuclear Magnetic Resonance imaging technologies. Otherwise the content type should be median.

Hospital, Nursing Home (HN):

This is a hospital or hospital wing devoted to patient care only. There may be some medical equipment, but there are no operating rooms or radiology departments. Only the median content value applies to this category.

Jail (J):

This is a complete jail facility, with some office areas, kitchen equipment, and exercise equipment rooms. HIGH content value would be found in a smaller facility, where offices take up much of the building space. MEDIAN content value is a typical jail facility; includes the security system. LOW content value is for a high-occupancy jail; most of the building area is devoted to jail cells, with little in the way of furnishings.

Juvenile Hall (JH):

This is a complete juvenile housing facility, with day rooms, classrooms, a kitchen and possibly a courtroom. Only the median content value applies to this category.

Laboratory (LA):

Structural values include laboratory piping and built-in lab benches. HIGH content value is for a fully equipped chemical or biological laboratory, with a high concentration of expensive analyzers. MEDIAN content value applies to moderately equipped labs with a fair amount of expensive equipment. LOW content value applies to adequately equipped labs with a small amount or no expensive equipment. Typical state or county laboratory contents would probably fall in the low range.

Library (L):

The content value in library is for shelving, carrels, office furnishings and microfilm reader/printers. Only the median content value applies to this category. The value of books, films, and periodicals must be added separately as subsequently described.

Lodge (LO):

Structural values are for typical wood frame or masonry lodges. Only the median content value applies to this category.

Museum (MU):

This refers to a typical state/county museum. Only the median content value applies to this category. Content values include only display cases, small office areas, gift shops, etc. Not included are fine arts, exhibits, etc., which are covered separately.

Office (O):

This category covers many of the buildings owned by state government including, engineering buildings, social service buildings, and computer centers. Copiers, office machines, and PC's are included in this category. HIGH content value is for buildings with concentrated furnishings including movable partitions and personal computers/word processors in the place of typewriters. The furniture does not have to be top of the line if the concentration is high. It also applies to areas with high quality furniture (such as executive offices) but ONLY if there are not large areas of open spaces. MEDIAN content value covers most office occupancies. It includes executive offices with large open spaces, and engineering offices with individual rooms, many with personal computers. It also includes offices with few personal computers, but a compact furniture arrangement. LOW content value is for offices with inexpensive furniture and/or a fair amount of space devoted to each office. It could also be an office area with a compact arrangement, but with manual typewriters instead of electric typewriter/personal computers.

Plants (PL):

This refers to a typical power plant found at a university, prison, or some complex. Only the median content value applies to this category.

Pump House (PH):

This is a structure sheltering pumping equipment. Content values are excluded. Content should be reported as Special Content and/or Machinery.

Quonset (Q):

This refers to any prefabricated metal storage structure mounted on a cement pad, with no interiors and minimal electricity and heating. Only the median content value applies to this category.

Residence (R):

This refers to any apartment or housing complex, such as those occupied by college students. Only the median content value applies to this category.

Roadside Rest Areas (RA):

This refers to any state run rest area. Structural values include all plumbing fixtures, and a small amount of signage. No additional content values apply.

Shed (SH):

Typically a very simple shelter with earth floor, and wood or metal construction. Includes pens, gates, rails, etc. No additional content values apply.

State Universities (S):

This is for a complete facility, with classrooms, dorms, gymnasium, and library. The values for contents EXCLUDE the actual library book collections. Again, books will be included separately as subsequently described. Only the median content value applies to this category.

Storage Warehouse (SW):

This is a warehouse for the storage of supplies, parts, inventories, police evidence, etc. The actual stored property is not included. HIGH content value is a complete warehouse with extensive shelving, cabinets, and small office areas. MEDIAN content value is a warehouse in which part of the storage is not on shelves or in cabinets, but merely on the floor or pallets. However, most of the area is devoted to shelving and/or cabinets. LOW content value is for small equipment sheds and warehouses in which almost all of the storage is on the floor or pallets.

Trailer (TR):

This is a relocatable type building used for offices. This is NOT applicable for residential trailers.

Special Contents:

Special contents are not included in GSD's rental rates and must be reported by each agency. Special contents are large volume or high dollar value items that are not found in typical buildings. Report ‘static aircraft’ that will not be flown and/or used for trade mechanics programs or display as special contents. Specifically these items are centralized:

Telephone Systems, if they are owned or insured.
Mid-Size and Mainframe Computer Systems, located in state/university buildings. Micro computers (personal computers) are not to be counted here as they are already included and covered as ordinary building contents.
Library Books, not only at a library location, but also extensive law or other libraries found in government buildings.
Leased / Loaned Equipment, which the agency/university is responsible to insure and whose estimated replacement cost value exceeds $100,000.
Other, contents as specified in these instructions. In addition, contents unique to the building and not considered ordinary should be reported. For example: License plate manufacturing equipment leased by Correctional Enterprises whose value exceeds $1,000,000. Please enter the total value and itemized description. If “Other” special content category is used you MUST include a description of the items insured.

Please indicate the dollar value for each building which may have these specific items by selecting the building record and clicking the 'Special Content' button at the bottom of the form. Add, remove, or update special contents at that location and return to the building record. Information regarding the replacement cost value of special content, mainframe computer equipment items may be obtained from the Information Services Division or the Procurement and Printing Division of the Department of Administration.

Each agency/university's insurance premium for property coverage is based upon its building and content values.

Note: Properties reported during the FY 2026 reporting cycle should be those properties projected to be utilized during FY 2027. Do not report properties that will be sold, demolished, abandoned, destroyed, or that will not be replaced during FY 2027. Buildings, contents, and equipment that are in a state of despair, intended for salvage or disposal, or functionally useless may be insured at a value less than replacement cost and/or not insured at all depending on the facts specific to each claim. Properties reported during the FY 2026 reporting cycle are the basis for insurance coverage during FY 2027. Properties that are not currently reported to the Risk Management & Tort Defense Division may not be covered. Please contact the Underwriting Manager if your agency needs interim insurance coverage.

Property Insurance Limits of Liability

Property Insurance Limits of Liability
Limit	Description
$1,000,000,000	Blanket Limit of Liability (All Risk)
$700,000,000	Terrorism
$400,000,000	Earthquake
$200,000,000	Business Income
$100,000,000	Flood ($20,000,000 Zones A and V)
$50,000,000	Course of Construction
$50,000,000	Errors & Omissions
$50,000,000	Expediting Expenses
$50,000,000	Extra Expense
$50,000,000	Increased Cost of Construction
$25,000,000	Off-Premises Service Interruption
$25,000,000	Transit
$25,000,000	Unnamed Locations (Excludes Flood & Earthquake)
$5,000,000	Scheduled Landscaping, Tees, Sand Traps, Athletics Fields, etc.
$3,000,000	Contingent Business Interruption
$2,500,000	Money, Securities, etc. Named Perils Only
$2,500,000	Unscheduled Fine Arts
$2,500,000	Unscheduled Research Animals
$2,500,000	Unscheduled Watercraft up to 27 feet
$1,000,000	Claims Preparation Expenses
$1,000,000	Personal Property Outside the U.S.
$1,000,000	Unscheduled Landscaping
$750,000	Unscheduled Tunnels, Bridges, Railroads, Dams, etc.
$500,000	Jewelry, Furs, Precious Metals, and Stones

State facilities or universities occasionally sponsor fundraisers, recreational activities, or gala events that may further the state's mission. However, some of these activities may present an unusually high degree of risk and result in claims or lawsuits. Such events may warrant special events liability insurance as opposed to insurance provided under the state's self-insured program.

Please follow these steps to secure liability coverage:

Complete TULIP Application
For events sponsored by a tenant/user, please complete the Tenant/User Liability Insurance Applicationand send it to Danica Boe, Risk Management & Tort Defense Division, P.O. Box 200124, Helena, Montana, 59620-0124, Danica.Boe@mt.gov, (406) 444-3168. For special events or high risk activities sponsored by a state agency or university that may fall outside the scope of the state's self-insured program such as fireworks, parades, athletic events, and concerts, please complete the Nominee Event Applicationand send it to Brett Dahl, Risk Management & Tort Defense Division, P.O. Box 200124, Helena, Montana, 59620-0124, bdahl@mt.gov, (406) 444-3687. Please submit the appropriate TULIP application at least 15 business days in advance of an event to allow enough lead time to secure coverage.
Notification of Coverage
You will be notified by the Risk Management & Tort Defense Division in writing of the insurance carrier's decision to approve or deny insurance coverage for each event within 5 business days. Each event will be rated in accordance with the schedules provided in the Special Event Liability Insurance Guidelines and Procedures Manual and the insurance premium will be determined from the hazard schedule therein. If the event is not approved for insurance coverage, you must instruct your tenant/user/instructor to secure his/her own coverage through a licensed insurance agent in Montana. The state must be named as an additional insured on the tenant's/user's/instructor's insurance for any use of state premises. Any exception must be approved by the Risk Management & Tort Defense Division.
Insurance Premium Payments
For tenant/user events each agency is responsible to collect the insurance premium from its tenant/user before each event commences. The tenant user will pay the agency directly and the agency will submit the special event reporting form with payment and a copy of each certificate quarterly to Driver Alliant Insurance Services, Special Events, P. O. Box 6450, Newport Beach, CA 92658 by April 15th, July 15th, October 15th, and January 15th of each year. A copy of the form should be mailed to Danica Boe at the Risk Management and Tort Defense Division when payment is made to Alliant.
Certificates of Insurance
Certificates of insurance will be issued by Danica Boe, Risk Management & Tort Defense Division. Your agency will receive a copy of each certificate that is issued.
Acknowledgement of Risk
Waivers of liability are illegal in Montana; however, your agency must prepare an "Acknowledgement of Risk Form" to be signed by participants in all athletic events. View waiver of liability guidelines. Signed "Acknowledgement of Risk Forms" for all athletic events must be sent to Danica Boe, Risk Management & Tort Defense Division.

Risk Exposure Reporting Requirements

State agencies and universities are the stewards of valuable properties including buildings, equipment, land, water, and recreational sites. Public and private organizations outside of Montana State Government often request permission to use these facilities for official functions and/or recreational activities. State facilities or universities occasionally sponsor fundraisers, recreational activities, or gala events that may further the state's mission. However, some of these activities may present an unusually high degree of risk and result in claims or lawsuits. Such events may warrant special events liability insurance as opposed to insurance provided under the state's self-insured program.

Property/Casualty Insurance (Core Program)