Risk Management & Tort Defense

Division Mission: To provide comprehensive and cost-effective loss mitigation, insurance administration, claims adjudication, and legal defense services to state agencies and universities that serve Montana citizens and students.

Goal: Assist state agencies/universities to mitigate/control losses through consultation, training mitigation funding, and financial incentives.

Objectives:

• Achieve premium discounts savings of $1 million each year through participation in risk management programs.
• Provide onsite and online training to 1,000 state and university employees to address core risks and to assist clients with higher losses or specialized exposures.
• Conduct inspections of 300 key state/university properties whose insured values typically exceed $1 million or that present unique risks.
• Respond to consultation requests within 5 business days.

Goal: Maintain and administer cost-effective and comprehensive commercial insurance and self-insured programs.

Objective:

• Obtain favorable property/casualty insurance terms and conditions relative to losses, risks, and market conditions.

Goal: Investigate, evaluate, and resolve claims in a timely and cost-effective manner.

Objective:

• Claims will be evaluated within statutory timeframes (120 days) and reported to insurance carriers in accordance with the terms and conditions of the state’s commercial insurance policies.