Property/Casualty Insurance (Specialty Program)

A summary of coverage and policy information is provided below. 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. This policy applies to volunteers who provide direct service to the University System for sponsored events or activities. To obtain insurance program requirements or an application for insurance coverage, please contact the Risk Management & Tort Defense Division at (406) 444-2421.

Summary

1. Insurer: National Union Fire Insurance Company of Pittsburgh, PA.
2. Broker: Alliant Insurance Services.
3. Term of Coverage: 7/1 to 6/30 each fiscal year subject to annual renewal.
4. 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.
5. Accidental Injury: reasonable medical expenses incurred while participating in a volunteer activity sponsored by a university, excluding lost wages.
6. Accidental Death: indemnity benefit while participating in a volunteer activity sponsored by a university.
7. Accidental Dismemberment: indemnity benefit while participating in a volunteer activity sponsored by a university.
8. Exclusions: This policy does not cover any loss caused in whole or in part by, or resulting in whole or in part from the following:
   
   1. Suicide or any attempt at suicide or intentionally self-inflicted injury or any attempt at intentionally self-inflicted injury.
   2. Sickness, disease or infections of any kind; except bacterial infections due to an accidental cut or wound, botulism or ptomaine poisoning.
   3. The insured's commission of or attempt to commit a felony.
   4. Declared or undeclared war, or any act of declared or undeclared war.
   5. Full-time active duty in the armed forces, National Guard or organized reserve corps of any country or international authority.
   6. Travel or flight in or on (including getting in or out of, or on or off of) any vehicle used for aerial navigation, if the insured is:
      1. Riding as a passenger in any aircraft not licensed for the transportation of passengers for hire.
      2. Performing, learning to perform or instructing others to perform as a pilot or crew member of any aircraft.
   7. Any condition for which the insured is entitled to benefits under any Workers' Compensation Act or similar law.
   8. The insured being under the influence of drugs or intoxicants, unless taken under the advice of a physician.
9. Limit: $50,000 per claim for accidental injury, $20,000 accidental death benefit, % of the accidental death benefit for dismemberment depending upon body part dismembered.
10. Deductible: the deductible is paid by the volunteer unless otherwise agreed upon with the respective university campus.

A summary of coverage and policy information is provided below. 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. This policy applies to volunteers who provide direct service to the University System for sponsored events or activities. To obtain insurance program requirements or an application for insurance coverage, please contact the Risk Management & Tort Defense Division at (406) 444-2421.

Summary

1. Insurer: National Union Fire Insurance Company of Pittsburgh, PA.
2. Broker: Alliant Insurance Services.
3. Term of Coverage: 7/1 to 6/30 each fiscal year subject to annual renewal.
4. 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.
5. Accidental Injury: reasonable medical expenses incurred while participating in a volunteer activity sponsored by a university, excluding lost wages.
6. Accidental Death: indemnity benefit while participating in a volunteer activity sponsored by a university.
7. Accidental Dismemberment: indemnity benefit while participating in a volunteer activity sponsored by a university.
8. Exclusions: This policy does not cover any loss caused in whole or in part by, or resulting in whole or in part from the following:
   
   1. Suicide or any attempt at suicide or intentionally self-inflicted injury or any attempt at intentionally self-inflicted injury.
   2. Sickness, disease or infections of any kind; except bacterial infections due to an accidental cut or wound, botulism or ptomaine poisoning.
   3. The insured's commission of or attempt to commit a felony.
   4. Declared or undeclared war, or any act of declared or undeclared war.
   5. Full-time active duty in the armed forces, National Guard or organized reserve corps of any country or international authority.
   6. Travel or flight in or on (including getting in or out of, or on or off of) any vehicle used for aerial navigation, if the insured is:
      1. Riding as a passenger in any aircraft not licensed for the transportation of passengers for hire.
      2. Performing, learning to perform or instructing others to perform as a pilot or crew member of any aircraft.
   7. Any condition for which the insured is entitled to benefits under any Workers' Compensation Act or similar law.
   8. The insured being under the influence of drugs or intoxicants, unless taken under the advice of a physician.
9. Limit: $50,000 per claim for accidental injury, $20,000 accidental death benefit, % of the accidental death benefit for dismemberment depending upon body part dismembered.
10. Deductible: the deductible is paid by the volunteer unless otherwise agreed upon with the respective university campus.

Risk Exposure Reporting Instructions

The state's accident, death, and dismemberment insurance covers accident, injury, medical expenses, and dismemberment for volunteers of activities sponsored by the Montana University System. This policy applies to volunteers who provide direct service to the University System for sponsored events or activities excluding employees or student interns. University System volunteers who provide direct service to the university campuses are defined as; 1) all volunteers participating in policyholder sponsored and supervised volunteer activities; 2) all volunteers while travelling directly to and from the activity and home; or 3) all volunteers while traveling with a policyholder supervised group in connection with such activities.

Coverage may vary by university. The Montana University System is the only state agency presently authorized to obtain accident, death, and dismemberment insurance through the Risk Management & Tort Defense Division.

Each campus must complete the volunteer schedule provided by the Risk Management & Tort Defense Division for volunteer full time equivalents (FTEs) that may need insurance during FY 2027.

Note: Volunteers reported during the FY 2026 reporting cycle should be those volunteers that are projected to be utilized during FY 2027. Volunteers reported during the FY 2026 reporting cycle are the basis for insurance coverage during FY 2027. Unreported volunteers 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

Summary of commercial driver’s license (CDL) training. This summary does not alter or amend coverage provided in statute or under the commercial insurance policy.

Risk Exposure Reporting Requirements

The state's auto (vehicle) CDL training program insurance protects state agencies and universities against liability arising from the operation of vehicles during CDL training courses. Coverage may vary by agency. Each agency or university that offers CDL training must complete the application provided by the Risk Management & Tort Defense Division.

Note: CDL training vehicle information reported during the FY 2026 reporting cycle should be the projected vehicles used during FY 2027. CDL training vehicle information reported during the FY 2026 reporting cycle is the basis for insurance coverage during FY 2027. Unreported CDL training vehicle information during 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 foster care insurance coverage, exclusions, and policy information is provided below. 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. Policy terms, exclusions, and conditions are only briefly outlined here. Should there be any contradiction with coverage the insurance policy will take precedence. Please contact the Department of Public Health & Human Services at (406)841-2400 if you have questions.

Summary

1. Insurer: Old Republic Union Insurance Company.
2. Managing General Agent: Foster Parents Professional.
3. Broker: N/A.
4. Term of Coverage: 9/1 to 8/31 each fiscal year.
5. Coverage Territory: The United States, (including its territories and possessions), Canada, and Puerto Rico. For coverage outside these territories please contact the Risk Management and Tort Defense Division.
6. Insured(s): Foster parents, relatives of the foster parents, and persons under the age of 18 in the care and custody of the foster parent.
7. Claims Reporting: Contact Montana DPHHS Child and Family Services at (406) 841-2400.

A summary of professional liability insurance coverage, exclusions, and policy information for students of the Montana University System in experiential (medical and non-medical related internships) and physician faculty/medical residents at the University of Montana Family Medicine Residency Program is provided below. 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. To obtain insurance program requirements or an application for insurance coverage, please contact the Risk Management & Tort Defense Division at (406) 444-2421.

Summary

1. Insurer(s): American Casualty Company of Reading Pennsylvania (medical Interns), Great American Insurance Group (non-medical interns), and Hudson Insurance Company (physician faculty and medical residents at the University of Montana Family Medicine Residency Program).
2. Broker: Alliant Insurance Services.
3. Term of Coverage: 7/1 to 6/30 each fiscal year.
4. Coverage Territory: The policy applies to claims brought in the United States (its territories and possessions). For coverage outside these territories please contact the Risk Management and Tort Defense Division.
5. Cause of Loss Covered: Negligent acts or omissions of students that arise from participation in internships that are required for graduation (medical and non-medical interns), approved academic projects (non-medical interns), and physician faculty or medical residents associated with the University of Montana Family Residency Program.
6. Liability Coverage: Personal injury, bodily injury, and property damage.
7. Limits of Liability:

Medical Interns Professional Liability

• General Limit - $1,000,000 per occurrence/$5,000,000 aggregate per year
• Grievance Proceedings - $1,000 per proceeding/$10,000 aggregate per year
• Defendant Expense Benefit - $10,000 aggregate per year
• Deposition Representation - $1,000 per incident/$25,000 aggregate per year
• Assault - $1,000 per incident/$25,000 aggregate per year
• Medical Payments - $2,000 per person/ $25,000 aggregate per year
• First Aid - $500 per incident/ $25,000 aggregate per year
• Damage to Property of Others - $250 per incident/$10,000 aggregate per year

Non-Medical Intern Professional Liability

• General Limit - $1,500,000 per occurrence all coverages
• Personal Injury/Property Damage - $1,500,000 per occurrence
• Public Officials Errors & Omissions - $1,500,000 per occurrence/$5,000,000 aggregate per year
• Broadcaster’s Liability - $1,500,000 per occurrence/$1,500,000 aggregate per year
• Construction Trades - $1,000,000 per occurrence/$2 million aggregate

Physician Faculty/Medical Resident Professional Liability

• General Limits - $1,000,000 occurrence/$3,000,000 per loss/$3,000,000 aggregate per year
• HIPAA - $25,000 per proceeding/$50,000 aggregate per year.
• Medicare/Medicaid Billing Errors - $25,000 per proceeding/$50,000 aggregate per year.
• Privacy Liability Reimbursement - $50,000 per privacy claim/$50,000 aggregate per year.
• Medical Board Hearings - $10,000 per proceeding/$20,000 aggregate per physician per year.

8. Deductibles:
   • Medical Interns Professional Liability - $0
   • Non-Medical Interns Professional Liability - $1,000 per occurrence
   • Physician Faculty/Medical Resident Professional Liability - $25,000 per claim

Risk Exposure Reporting Requirements

The Montana University System is the only entity of Montana State Government that is authorized to obtain professional liability insurance (interns) from the Risk Management & Tort Defense Division.

Coverage may vary by agency.

Professional liability insurance covers the negligent acts or omissions of student interns in medical or non-medical internships. Each campus of the Montana University System must complete the CNA Application for medical interns and the Allied World Assurance Company Application for non-medical interns provided by the Risk Management & Tort Defense Division.

Note: Professional liability information reported during the FY 2026 reporting cycle should be the projected internships by course or by medical specialty during FY 2027. Professional liability information reported during the FY 2026 reporting cycle is the basis for insurance coverage during FY 2027. Unreported professional liability information during 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

If you have questions, please contact the Risk Management & Tort Defense Division at (406) 444-3687.

The Risk Management and Tort Defense Division, except in unique circumstances, does not purchase or administer surety bonds in behalf of state agencies/universities due to the unique and varied nature of each contract, product, or services. However, the division’s insurance broker(s)/consultant(s) have provided guidelines about surety bond requirements.

Surety Bond Guidelines

What is a Surety Bond and How Do They Work

A Surety Bond

Is a written agreement that ensures compliance, payment, or performance of an act. It involves three parties:

• Principal: The party that purchases the bond and undertakes the obligation.
• Surety: The insurance company or surety company that guarantees the obligation will be performed.
• Obligee: The party that requires the bond, often a government entity or project owner.

How A Surety Bond Works

When a principal fails to meet their obligations under a contract, the surety company compensates the obligee for the losses incurred. However, unlike traditional insurance, the principal is legally obligated to reimburse the surety for any claims paid out. This makes surety bonds more like a form of credit than insurance.

Purpose of Surety Bonds

Surety bonds serve to protect the obligee from financial losses caused by the principal's failure to fulfill their obligations. They are commonly used in various scenarios, including:

• Construction Projects: Ensuring that contractors complete projects according to specifications and make required payments to subcontractors and suppliers.
• Licensing and Permits: Guaranteeing compliance with local, state, or federal regulations.

Types of Surety Bonds

• Contract Bonds: These guarantee that contractors will complete projects as per the contract terms.
• License and Permit Bonds: Required by government agencies to ensure compliance with regulations.
• Financial Guarantee Bonds: Ensure payment of taxes or other financial obligations.

Surety Bond Summary (DPHHS Only)

A summary of Surety Bond coverage, exclusions, and policy information is provided below. 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. To obtain insurance program requirements or an application for insurance coverage, please contact the Risk Management & Tort Defense Division at (406) 444-2421.

Summary

1. Insurer: Hartford Insurance Company.
2. Broker: Alliant Insurance Services.
3. Term of Coverage: 7/1 to 6/30 each fiscal year.
4. 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.
5. Cause of Loss Covered: Patient funds lost, misappropriated, or mismanaged at state institutions.
6. Coverage: The surety reimburses patients for funds lost or misappropriated and then seeks reimbursement from the institution in whom the funds were entrusted.
7. Limits of Liability: Amount of patient funds held in trust as reported by each institution.

Risk Exposure Reporting Requirements

The Department of Public Health & Human Services is the only entity of Montana State Government that is authorized to obtain surety bonds from the Risk Management & Tort Defense Division.

Surety Bonds cover patient funds or assets held in trust by the state from and against claims such as disappearance, misappropriation, and conversion and must be obtained by state institutions that participate in federally sponsored Medicare programs.

Institutions that participate in federally sponsored Medicare programs must submit an estimate of the monetary value of patient belongings held in trust to the Underwriting Manager. Contact information can be found above in the About Us section.

Note: The value of patient belongings held in trust reported during the FY 2026 reporting cycle should be the value projected for FY 2027. Values of patient belongings reported during the FY 2026 reporting cycle are the basis for insurance coverage during FY 2027. Unreported values of patient belongings for FY 2027 may not be covered. Please contact the Risk Management & Tort Defense Division if your agency needs insurance coverage.

If you have questions, please contact the Risk Management & Tort Defense Division at (406) 444-3687.

Risk Exposure Reporting Requirements

The state's Burglary and Theft insurance protects state agencies and universities from burglary and theft, electronic fraud, employee fraud, and forgery.

Report only those locations with more than $5,000 in financial instruments and precious metals, precious or semi-precious stones, pearls, furs or articles containing such materials on average at any given time and/or more than $100,000 in 'peak periods'. Please assign the building, enter the location name, and a brief description of the financial instruments and materials to be insured (i.e. cash, checks, CDs, precious metals, etc.).

Fill in the exact address of each location where protection is needed. For example, the field house where college registration is taking place or the bookstore where there is a high volume of cash during registration periods.

Enter the annual basic amount of coverage desired at the location in the section of the entry form entitled 'Inside Covered Amount' on the form refers to cash that may be stolen inside a building or on a campus. For example, a college may need a certain amount of cash protected in the bookstore operation.

The information in this column represents the basic amount of protection needed for usual "cash in the till" type of coverage throughout the year. For instance, protection for $5,000 of cash in the bookstore throughout the entire year may be needed. Therefore, under 'Inside Covered Amount', you would indicate $5,000.

'Outside Covered Amount' refers to cash that may be stolen while in transit. For example, a theft after a registration day while the money is being transported to its place of deposit would be an outside theft. Under outside you may desire $5,000 through the year for protection of cash in transit from its source on campus to its destination of deposit. Simply list $5,000 under the 'Outside Covered Amount' column on the entry form.

In the section entitled 'Describe Security Measures' please describe the type of security for each location where the cash protection is needed. Describe the type of safes or door and window locks, for example, and also if any guards are on shift. It is helpful to explain when the doors are open for business at each location. There is no separate premium charge for burglary and theft coverage since it is included in the property premium.

If coverage is required during the year for an additional amount of cash (i.e. cash coverage protection needed during peak periods such as registration) click on 'Coverage Span Data' in the existing record and input the amount. Again, the 'Inside' refers to such locations as the field house and bookstore on campus, which are heavily used during registration. 'Outside' refers to the cash protection needed while in transit. The exact dates of the additional coverage need to be indicated. Please include all applicable registration or other key dates. These dates need to coincide with the amounts of coverage requested.

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: Locations and assets reported during the FY 2026 reporting cycle should be those projected locations and assets that will be utilized during FY 2027. Locations and assets reported during the FY 2026 reporting cycle are the basis for insurance coverage during FY 2027. Unreported locations and assets 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.

Watercraft (Optional

The state's watercraft will be provided comprehensive/collision coverage, only upon request, based upon a premium charge of a percentage of the market value of the craft and prorated by period of actual ownership. Those agencies/universities wishing to add comprehensive/collision coverage must also add the watercraft to the 'Vehicle Comprehensive/Collision' form provided in PCIIS.

Agencies/universities must input or update the information requested on the 'Registered Watercraft' Entry Form provided in PCIIS in order that Risk Management and Tort Defense can fully assess and insure this exposure. Insurance coverage may be terminated by clicking the 'End Coverage on Selected Item' button.

Note: Watercraft reported during the FY 2026 reporting cycle should be those watercraft that are projected to be utilized during FY 2027. Watercraft reported during the FY 2026 reporting cycle are the basis for insurance coverage during FY 2027. Unreported watercraft 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.