Risk Management & Tort Defense

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 

1. Insurer: Chubb - ACE Property Casualty Insurance Company.
    
2. Broker: Mountain Air Insurance Services.
    
3. Term: 7/1 to 6/30 each fiscal year.
    
4. Coverage Territory: This policy applies to insured events worldwide except where sanctions are applied by the U.S. Government. 

5. Liability Covered: Bodily injury or property damage arising from operation of an airport, construction or demolition, hangar keeper's liability, products and premises.
    
6. Defense, Settlement, and Payments: Defense costs, court costs, reimbursements, and other reasonable expenses.
     
7. 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.
    
8. Deductible: The deductible is paid by the Risk Management & Tort Defense Division for liability coverage.
    
9. 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.