Montana Workers’ Comp Insurance

  • Policies as low as $25/month
  • Get quote and policy issued online, right here, in under 5 mins
  • AM Best A (Excellent) rated carrier
  • Buy direct from us
  • No brokers involved
  • 70+ industries covered
  • No phone call or offline wait
  • 100+ years of experience selling insurance
  • Cerity is a wholly owned subsidiary of Employers Holdings
  • 100 price points used to deliver fair price

Protecting your team has never been easier

“Cerity is completely reinventing workers’ compensation for small businesses.”


“Powered by a complex algorithm, Cerity’s proprietary pricing model provides tailored quotes that address the individual needs of business owners.”


“Kiss goodbye to the phone tag, tedious applications and endless wait times.”

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, 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

Lawyers & Attorneys at Law, Court Reporters, Notaries and Transcription

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Personal Services

Hair Salons, Barber Shops, Interior Design Studios, Photography/Photofinishing, Nail Salons, Tanning Salons, Tattoo/Piercing, and Wedding/Event Planners

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Clothing Retail

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

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Personal Product Retail

Bike Stores, Camera/Photo Supplies & Repair, Cell Phones & Cell Phone Repair, Computer Stores, Musical Instruments & Supply Stores, Tobacco/Vaping, and 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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Construction Services

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

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Financial Services

Accounting, Auditors, Bookkeeping, Financial Advisors & Trust Companies,Mortgage & Loan Brokers, Payroll Services, Tax Preparation, Title and Title Insurance

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Scientific Services

Scientific, Technical, & Environmental Consulting

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Office, Home, & Garden

Beauty Supplies, Bookstores, Cosmetics, Hearing Aid Stores, Hobby/Craft/Art Stores, Gift/Novelty Stores, Florists, Mailing/Packaging Stores, Model/Toy/Games Stores, Optical Goods Stores, and Perfume Stores

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Therapeutic Services

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

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Montana Statistics*

*2017 business stats provided by the Bureau of Labor Statistics

244,688

number of Montana residents employed by small businesses


10,765

number of workplace injuries


2,200

average weight of a bison


250

lakes in Glacier National Park


450

miles of rivers and creeks


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., an 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.

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.