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Special Event Liability Coverage Program
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page updated 4/19/2013
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The Special Events Liability Insurance Program is owned by the Montana Municipal Interlocal Authority, (MMIA), and marketed and serviced by members in good standing of the IIAM through Public Risk Insurance Management Inc. (PRIM).
This is a master policy owned by the MMIA that offers Special Events Liability coverage for individual events taking place on the property or facilities of MMIA Cities and Towns, Montana Association of Counties, and MSGIA member schools.
Events qualifying for coverage through underwriting guidelines can be added to the Master Policy via certificate. PRIM will issue the certificates of insurance as authorized by Alliant Insurance Services, Inc.
For this program PRIM is working with a General Agent (GA) wholesaler and the local agent will be the servicing agent only and share commissions with PRIM. (See more at Complying with Montana Law & Company Appointments)
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ACCEPTABLE BUSINESS:
This program is designed specifically for Special events Liability Insurance in Montana public entity. This coverage, if acceptable under program guidelines, will be written as a moneyed endorsement to a master policy.
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PROGRAM AVAILABILITY:
This program is available to all IIAM members in good standing as long as they maintain the standards established for this program. Each member in good standing will be responsible to review and acknowledge their understanding of the complete the program underwriting guidelines and program compliance standards. PRIM reserves the right to remove access to this program for any agent that does not comply with all guidelines, statutory requirements, possible training and operating standards as determined by PRIM and the MMIA.
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RULES FOR SUBMISSION:
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The applications on this web site are the only valid applications to be used. You will need Adobe Reader (free) to access the applications.
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Applications are to be completed in their entirety and submitted at least 3 working days in advance of the event.
- Should more than one agent send in a submission for the same event, the first one received and 100% complete with the appropriate premium, will be the accepted submission.
- Only applications received at least three working days in advance of the event occurring will be processed for issuance of a certificate of insurance.
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Submit the completed application for quoting via email to Dawn (dstanulus@iiamt.org). You may also fax the application to (406) 442-8263. Do NOT send in any payment until the event has been approved, quoted and returned back to you.
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In order to bind the coverage after it has been quoted, a premium is due payable to PRIM. Mail premium payments to:
PRIM
3131 Dredge Drive
Helena, MT 59602
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The certificate of insurance will be issued upon receipt of premium payment, and returned to the agent. The agent is responsible for providing the certificate to the event holder. This certificate can only be produced by PRIM, in compliance with Montana law.
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A copy of these submission rules will also be provided to the public entities and/or made available on the MMIA and MACO websites.
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When a risk does not qualify for this program or is better placed with another carrier, the local agent should place the business. Contact PRIM if you need additional assistance.
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Any questions should be directed to the PRIM office: Dawn Stanulus at (406) 442-9555, extension 103.
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Applications
Tenant/User and Instructor Application - This application is used for events that are held or sponsored by companies, organizations, or individuals that have been permitted to use the public entity's premises (Third party events). This application is also used for events that are instructional to its participants. Instructors are not employees of the public entity, but provide instructional services for a fee. (NOTE: Participant coverage requires signed waivers).
Nominee Event Application - This application is used for events that are held or sponsored by the public entity, or by any department or division, thereof. Coverage can be expanded to cover co-sponsors if desired. This is not a self-rated program, and must be approved and rated by the insurance company (Alliant Insurance Services, Inc).
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COMPLYING WITH MONTANA LAW AND COMPANY APPOINTMENTS
Montana insurance law, 33-17-236, MCA is as follows: Appointments of insurance producers by insurers. (1) An insurance producer may not claim to be a representative of or an authorized or appointed insurance producer of or use another term implying a contractual relationship with a particular insurer unless the insurance producer is an appointed insurance producer of that insurer pursuant to this section.
However, Montana insurance law allows sharing of commission under 33-17-1103, MCA, Accepting and paying commissions, fees, or consideration - restrictions.
At no time should a producer hold themselves out as a representative of a company for which they are not licensed. The following conditions must apply for a producer to be in compliance with Montana insurance law:
1. Have an appointment with the carrier that is issuing the policy.
2. Have the business placed with a licensed producer, (this could also include a wholesaler that producers know as a general agent), that is appointed with the carrier and clearly inform the consumer that you are not a contractual representative of the carrier writing the policy or policies. You may share commissions as outlined in insurance law reprinted here. We also recommend that the file be clearly documented that you have informed the insured that you are not a contractual representative of the insurer.
3. An agent not appointed should not sign any application or policy of a carrier that they are not appointed with. Care should be taken that the appointed producer of record signs the necessary document.
For this program PRIM is working with a General Agent (GA) wholesaler and the local agent will be the servicing agent only and share commissions with PRIM.
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