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    Protect your business and employees with Montana workers' comp

    Montana workers' compensation insurance helps business owners pay medical bills and lost wages when employees get hurt or sick because of their job. It can also prevent companies in the Big Sky Country from being sued over these injuries.

    Our experts make getting workers' compensation coverage easy. Whether you run a store in Billings or a farm in Missoula county, we can connect you with the right policy today.

    Who needs workers' compensation insurance in Montana?

    Most Montana businesses with one or more employees need workers' comp. This law covers full-time, part-time, and seasonal staff.

    You can review the state of Montana workers' compensation code to learn more about these requirements.

    Montana workers' compensation insurance exemptions

    Some employers don't need to get workers' comp because of how they're organized or who they hire. Common Montana workers' compensation exemptions include:

    It's a good idea to get workers' comp, even if it's not required. Having coverage shows you care about your team and want to help if they get hurt on the job. It also protects your business from unexpected expenses if something goes wrong.

    Our insurance specialists can help you and your employees feel safe with Montana workers' compensation. Start a quote or connect with our team to buy a policy today.

    What are the penalties for not having workers' comp in Montana?

    Employers can get in trouble if they don't have workers' comp when the law says they have to. In Montana, the minimum penalty is a $200 fine. On top of that, businesses might need to pay twice as much as they would have for a policy.

    Montana delivery driver carries packages from a commercial van

    How much does workers' comp cost in Montana?

    • Job classification code: The National Council on Compensation Insurance (NCCI) sets Montana workers' comp class codes based on how risky different jobs are. Safer professions will usually have a lower cost.
    • Payroll: Workers' comp insurance is calculated per every $100 of payroll. The larger your payroll, the more you'll spend on a policy.
    • Claims history: How much you pay for Montana workers' compensation insurance depends on your past claims. If your business has more claims than others in your industry, you might have a higher premium.
    • Insurance carrier: Insurance companies can take their own risk checks and pricing options into account when setting workers' comp rates.

    How can you get workers' comp in Montana?

    You can get Montana workers' compensation insurance three ways:

    • Private insurers: Many businesses choose private insurance companies for workers' comp. These companies can offer customized policies and benefits. Ask about your options when you start a quote with us.
    • Self-insurance: Employers can apply for self-insurance in Montana. This option can help businesses save on monthly payments, but they'll need to show that they have enough money to pay workers' comp claims themselves.
    • Assigned risk pool: Businesses in high-risk industries can apply for workers' comp through the Montana State Fund. This option can also be good for companies that have a claims history.

    How does workers' comp work in Montana?

    In most workers' compensation cases, employees have 30 days to tell you about a workplace injury and explain when and how the accident happened. People who get sick in a way that is directly related to their job will have one year from the date they were diagnosed to start this process.

    If the employee's claim is approved, they'll start receiving payments. The amount they get depends on their weekly pay and the severity of their injuries.

    Montana workers' compensation benefits for employees can include:

    • Medical expenses
    • Disability benefits
    • Lost wages
    • Rehabilitation costs

    Workers' comp is good for businesses, too. It helps them avoid lawsuits because employees who accept their Montana workers' compensation settlement typically can't sue. If they do, this insurance can help you cover costs.

    Explore information on workers' comp claims in Montana.

    Montana workers' comp death benefits

    If a person dies in a workplace accident, their spouse and dependents are eligible for death benefits in Montana. These family members can receive compensation of up to 66.67% of the employee's average weekly wage.

    If no one relied on the worker financially, their parents would get a one-time payment of $3,000.

    Montana workers' compensation statute of limitations

    The statute of limitations for filing a workers' comp claim in Montana is one year from the date of injury or diagnosis. To protect their right to benefits, encourage your employees to report injuries as soon as possible.

    Why choose Progressive Commercial for Montana workers' comp

    Backed by over 50 years of experience, Progressive Commercial has the know-how to help you find the right workers' comp insurance. Our experts are here to answer your questions, offer solutions, and create a policy you can trust.

    Start a Montana workers' compensation quote to see why so many business owners choose us.

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    Start a quote to get Montana workers' compensation insurance

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