1. (1) The following licenses must carry insurance in the following amounts and types:

   1. (a) Private investigators - a minimum of $500,000 occurrence form of commercial general liability which includes personal injury.
   2. (b) Electronic security companies - a minimum of $500,000 occurrence form of commercial general liability which includes personal injury and errors and omissions coverage.
   3. (c) Private security firms - a minimum of $500,000 occurrence form of commercial general liability which includes personal injury.
   4. (d) Private security firearms instructors - a minimum of $500,000 occurrence form of commercial general liability which includes personal injury and errors and omissions coverage.
   5. (e) Private security guards - a minimum of $500,000 occurrence form of commercial general liability which includes personal injury, if not employed by a private security firm that provides the insurance per (1)(c).
2. (2) Process servers must maintain a surety bond in the amount of $10,000 for an individual or $100,000 for a firm. A levying officer may not levy on a judgment that exceeds the value of the bond.

3. (3) The following licensees must carry firearms liability insurance coverage:

   1. (a) armed private investigators;
   2. (b) private security firearms instructors;
   3. (c) armed private security guards not employed by private security firms; and
   4. (d) private security firms who employ armed private security guards.

4. (4) An insurance carrier providing insurance under this rule must be:

   1. (a) licensed in the state in which the insurance was purchased and covered by that state's insolvency fund; or
   2. (b) licensed in the state of Montana.

5. (5) Licensees subject to this rule must:

   1. (a) immediately inform the department of the cancellation or lapse of required insurance coverage or surety bond; and
   2. (b) direct and authorize the insurance carrier to inform the department of cancellation or lapse of the licensee's required coverage or surety bond.
6. (6) Licensees must maintain the insurance coverage or surety bond required by this rule at all times of active licensure status.

Authorizing statute(s): 37-60-202, MCA

Implementing statute(s): 25-1-1111, 37-60-202, MCA

History: NEW, 1984 MAR p. 815, Eff. 5/18/84; AMD, 1986 MAR p. 946, Eff. 5/30/86; AMD, 1986 MAR p. 1898, Eff. 11/15/86; AMD, 1987 MAR p. 1779, Eff. 10/16/87; AMD, 1990 MAR p. 1772, Eff. 9/14/90; AMD, 1993 MAR p. 2413, Eff. 10/15/93; AMD, 1997 MAR p. 633, Eff. 4/8/97; TRANS, from Commerce, & AMD, 2005 MAR p. 1926, Eff. 10/7/05; AMD, 2017 MAR p. 1957, Eff. 10/28/17; AMD, 2023 MAR p. 1744, Eff. 12/9/23; AMD, 2025 MAR, Notice No. 2025-22, Eff. 12/6/25.