Montana Schools
Our Commitment to Montana Schools
Western States Insurance is proud to be a partner in the Property and Liability Insurance Plan with the Montana Rural Education Association and Montana Association of School Business Officials. Western States Insurance, the MREA & MASBO endorsed and Montana's largest independent insurance agency, has accepted the challenge to develop and provide Montana schools with the most specialized, comprehensive, competitively priced insurance program available. It is our commitment to deliver this service to Montana schools well into the 21st Century.
Property and Liability Insurance Plan
The Western States Insurance Property/Liability Program has carefully studied the coverage needs of Montana School Districts. A large number of districts participate in the property/liability program which features lower administrative costs and lower premiums.
Valuation: Replacement cost with agreed amount
Property Coverage
| Coverage | Limits of Liability | |
|---|---|---|
|
Real and Personal Property (Per Occurrence Pool Loss Limit) |
$500,000,000 | |
| Earthquake | $100,000,000 | |
| Flood | $100,000,000 | |
| Newly Acquired Property | $5,000,000 | |
| Extra Expense | $1,000,000 | |
| Coverage | Limits of Liability |
|---|---|
|
Limit of Liability Bodily Injury & Property Damage |
$1,000,000 (Each Occurrence) |
| General Aggregate |
$2,000,000 (Aggregate Per Member) |
| Products/Complete Operations |
$1,000,000 (Aggregate Per Member) |
| Premises/Auto Medical Payments |
$5,000 (Per Person) |
|
Auto Liability/Uninsured/ Under-Insured Motorists |
$1,000,000 (Each/Every Auto) |
Coverage Includes: Premises Operations, Products & Completed Operations, Independent Contractors, and Employee Benefits Liability.
Also Included: Limited Worldwide Products Liability, Broad Form Contractual Liability, Personal Injury, Broad Form Property Damage, Host Liquor Liability, Employees and Volunteers as Insureds, Incidental Malpractice, Auto Liability and Athletic Participation Liability.
Crime Coverage
| Coverage | Limit | Deductible |
|---|---|---|
|
Commercial Blanket Bond (Employee Dishonesty) |
$500,000 | $1,000 |
|
Money & Securities (Inside & Outside) |
$500,000 | $1,000 |
| Forgery & Alteration | $500,000 | $1,000 |
NOTE: Employee Dishonesty coverage includes the superintendents, board members, business managers and all employees.
Boiler and Machinery
Western States Insurance chose Travelers to cover boiler and machinery damages for the Property/Liability Program. Travelers is one of the top boiler and machinery underwriters in the country. Their staff is among the most proficient loss control consultants in the world. Many of them are degreed engineers and all are certified by the National Board of Boiler and Pressure Vessel Inspectors.
Boiler & Machinery Coverage
| Boiler & Machinery Coverage | |
|---|---|
| Limit (Each District): | $100,000,000 |
| Sublimits: | |
| Expediting Expenses | $1,000,000 |
| Ammonia Contamination | $1,000,000 |
| Water Damage | $1,000,000 |
| Hazardous Substance | $1,000,000 |
| Broad Comprehensive Coverage | Yes |
| Including EDP | Yes |
| Control Equipment | Included |
| Repair or Replacement | Yes |
| Business Interruption | $1,000,000 |
| Extra Expense | Included in BI |
| Spoilage | $50,000 |
| Service Interruption | $1,000,000 |
| Ordinance or Law | $1,000,000 |
| Locations Insured | All |
| Joint Loss Agreement | Yes |
| Connected Ready for Use | Yes |
| Deductible | $1,000 |
|
Automatic Coverage for New Locations |
180 days |
| CFC's | Included |
| New Generation Coverage | Included |
| Error in Description | Included |
Educators Legal Liability Program
Limits: $1,000,000 Each Claim/Annual Aggregate per Member
Deductible/Retention: Various with a minimum of $1,000
Terms/Conditions: Claims Made Form
| Policy Coverage’s | |
|---|---|
| Prior acts: | Full Prior Acts coverage for any claims not known at inception. |
| Definition of Insured: | Covers all employees, volunteers, teachers, administrators, school board members, etc. Covers heirs of estates, past, present and future insured. |
| Non-Monetary Claims: | Automatically includes $100,000 per district for defense of claims. |
Excess Liability Coverage
| Optional Limits: |
$1,000,000 $3,000,000 $5,000,000 $10,000,000 |
|---|
COVERAGE:
The limit selected extends over each liability coverage for Third Party and Educators Legal Liability.
MREA Endorsed Workers Compensation Program
Montana Schools Risk Managements Trust
| PART I - Workers' Compensation and Occupational Disease Insurance | |
|---|---|
| Workers' Compensation | Statutory |
| Occupational Disease | Statutory |
| PART II - Employer's Liability Insurance | |
| Bodily injury accident - each accident | $1,500,000 |
| Bodily injury by disease - each employee | $1,500,000 |
| Employer's aggregate limit liability | $1,500,000 |
| Optional Coverage’s | |
| Volunteer Coverage | |
Your Claims Administrator
Gallagher Bassett Services, Inc.
This division of Arthur J. Gallagher Co. handles all claims for the property/liability and workers’ compensation program. Gallagher Bassett has over 50 years of experience, and is one of the largest claims administrators in the U.S.
Advantages & Services of Western States Insurance Programs
- Specialized insurance programs managed by professionals with over 60 years of insurance experience.
- Customized in-district risk management site evaluation.
- Risk management in-service training for staff and administration.
- Association and convention presentations regarding potential school loss areas.
- Annual steam boiler inspections.
- Monthly newsletters and articles provided to members regarding insurance related topics.
- Liability release forms specialized for all school activities.
- Contract review prior to all contract negotiations.
- Dedicated in-house claims administration.
For more information or to request a quote, please contact Dave Pillatzke at 406-457-4531 or dpillatzke@wsi-insurance.com