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Simple process. Affordable price. 70+ industries & growing.

Montana Businesses We Cover with Workers’ Comp Insurance

Montana Businesses We Cover with Workers' Comp Insurance

Food & Beverage

Bars, Bistros, Cafeterias/Buffets, Candy Stores, Caterers, Coffee Shops, Doughnut Shops, Fast Casual, Fast Food, Fine Dining, Health Supplement Stores, Juice Shops, Tea Houses, Taverns and Nightclubs

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Tech Services

Data Processing, Ecommerce, Hosting, Graphic Design, Network Installation/Repair, Office Machine Installation/Repair, Programming, Strategy & Management Consulting Services, and Software/Web Development (includes SOLOpreneuers!)

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Legal Services

Athlete/Actor/Entertainer Agents, Court Reporters, Lawyers & Attorneys at Law, Notaries and Transcription

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General Retail

Bakeries, Beer/Wine/Liquor Stores, Butcher/Meat Markets, Convenience Stores/Gas Stations, Discount Stores, Fish, Seafood, Fruit & Vegetable Markets, Grocery Stores, Laundromats, Pet Stores, Pharmacies/Drug Stores, Specialty Food Stores

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Educational Services

Computer Training, Cosmetology/Barber Schools, Exam Preparation/Tutoring, Fine Art Schools, Language Schools, Libraries/Archives, Management Training, Professional Training, & Translation/Interpretation Services

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Manufacturing

Microbreweries (less than 15,000 barrels produced per year) & Wine Making (no growing or production of grapes/fruit)

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Personal Services

Barber Shops/Salons, Cemeteries/Mausoleums, Crematoriums, Funeral Homes, Interior Design, Pet Kennels/Groomers, Photography/Photofinishing, Gyms, Nail Salons, Self-Storage, Tanning Salons, Tattoo/Piercing, and Wedding/Event Planners

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Clothing Retail

Bridal Stores, Clothing Stores, Dry Cleaners, Formal Wear/Costume Rentals, Luggage & Leather Goods Stores, Shoe Retail/Repair, and Tailor Shops

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Personal Product Retail

Art Galleries/Stores, Auto Parts, Beauty/Cosmetics, Bike Stores, Bookstores, Camera/Photo Supplies, Cell Phone Retail/Repair, Computer Stores, Jewelry Stores, Musical Instruments, Sporting Goods , Tobacco/Vaping & Video Games

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Medical Professions

Blood Banks, Dental Labs, Dentists/Orthodontists, GP/Medical Specialists, Kidney Dialysis Centers, Medical Diagnostics & Testing, and Veterinarians

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Architecture & Engineering Services

Architects & Drafting, Engineering, Surveyors, & Window Treatment Stores (we do not cover construction contractors or trucking companies)

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Financial Services

Accounting, Auditors, Banks/Credit Unions, Bookkeeping, Collection Agencies, Financial Advisors/Trust Companies, Mortgage & Loan Brokers, Payroll Services, Tax Preparation, Title & Title Insurance

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Scientific Services

Scientific Research & Development/Consulting, Technical Consulting, & Environmental Consulting

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Office, Home, & Garden

Hearing Aid Stores, Hobby/Craft/Art Stores, Gift/Novelty Stores, Florists, Floor Covering Stores, Mailing/Packaging Stores, Models/Toy/Games, Office Supplies, Optical Stores, Paint/Wallpaper Stores, Perfume Stores, Plumbing & Taxidermists

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Therapeutic Services

Acupuncture, Chiropractors, Mental Health Practitioners, and Physical & Occupational Therapy

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Workers' Compensation for Montana Businesses

We're here to serve business owners of the Treasure State.

Montana is a gold mine for small businesses, with economic cornerstones like mining, agriculture, timber and tourism. Featuring wide open spaces and plenty of clear, fresh air, Montana small business owners have a diverse set of industries in which to thrive. They can also say they’re from the same state as Evel Knievel, which is totally cool.

The Treasure State is home to gold, silver and lots of minerals, with $2.7 billion attributed to hard rock mining alone. Timber is also a massive market sector, covering the removal, transport and processing of timber to the more than 10 paper mills in Montana. Small businesses employ 65.2% of Montana’s employees, or 244,668 people. The jobs are predominantly related to travel, entertainment, retail and medical fields, and many service the mining, agriculture and timber sectors.

Agriculture alone is huge business in Montana, contributing over $2 billion annually to the state’s economy. Every company, regardless of industry, uses small business services or have their own accountants, cleaning crews, office staff and IT personnel. Small businesses are the heart of Montana. The town of Ekalaka (how fun is that to say?!) is named after the daughter of Sioux chief Sitting Bull, so be sure to swing through on your way to the southern border, straddled by Yellowstone National Park. Montana is also host to Glacier National Park and part of the Rocky Mountains.

Tourists flock to Montana for adventures from epic road trips, white water adventures, skiing, climbing, biking, and wildlife viewing. If you’re a red meat aficionado, Montana is for you. Famous for elk, bison and pastured beef, the meals really stick to your ribs. Fittingly, Montana is also known for the best hunting grounds of many species of morel mushrooms. Elk steak with morel sauce and a side of grilled morels, followed by huckleberry pie? Yes please!

Workers’ comp insurance is required in Montana, but it’s also a valuable perk to employees. At Cerity, we’re here to covering your Big Sky Country workers’ comp needs.

Montana Statistics*

*2017 business stats provided by the Bureau of Labor Statistics

244,688

number of Montana residents employed by small businesses


10,675

number of workplace injuries


284,658

average weight of a bison


250

lakes in Glacier National Park


450

miles of rivers and creeks


montana workers comp

Explore commonly asked questions about business type, industry and state.

To put it simply, your business is covered. Just like that.In most cases, all of your employees are covered by workers' compensation insurance, including subcontractors (given they provide you a Certificate of Insurance). However, a Certificate of Insurance (COI) isn't a guarantee of coverage (policy may have cancelled since issuance). You should request periodic COIs throughout the contract.
Workers' compensation insurance provides all state required benefits, including reasonable and necessary medical treatment and wage replacement, for employees injured in the course and scope of employment.
In most states, it’s required for small business owners to obtain workers’ compensation coverage. In the event that an employee is injured in the course and scope of your employment, workers' compensation insurance protects you from costly lawsuits and provides state required compensation for the employee, including lost wages and medical expenses.
The estimated premium is based on estimated payroll (at the beginning of the policy). The final premium is based on actual payroll (at the end of the policy) for the policy period (usually 12 months). In the event your payroll changes, we'll work with you on adjusting your policy.
Yes, the workers' compensation policy covers all of your employees. Significant changes to your payroll should be reported to Cerity. This will help mitigate having a large additional premium due at the end of your policy period.
Cerity is a data-services company that is a licensed insurance producer that provides comprehensive workers' compensation insurance for American businesses. In less than five minutes, a small business owner can have a quote and can be protected as soon as the next day. In other words, your business is covered. Just like that. We are backed by Employers Holdings, Inc., a workers' comp industry veteran of over 100 years, EHI is reimagining how to purchase workers compensation insurance.
You do not need any documents to apply - we told you it was simple! All you need to obtain a quote is tell us a few quick things about your business and we should be able to get you a quote.