Workers’ Comp Montana

You can save up to 25% in discounts on business insurance.*

What can be covered by Montana Workers’ Compensation insurance?

Medical expenses

Medical expenses

Like exams, treatment and rehabilitation.
Lost wages

Lost wages

For employee recovery after a work injury.


To teach injured employees new skills if they can no longer do their jobs.
Permanent injury

Permanent injury

Benefits for employees who can no longer work due to injury.

Is Montana Workers’ Compensation insurance required?

Montana state law requires workers’ compensation insurance coverage for almost all Montana employers with one or more employees. Employees include:

  • Minors
  • Aliens
  • Paid public officers
  • Officers and members of boards of directors
  • Contractors (other than independent contractors)

Workers comp insurance can help cover the costs from a work-related injury or accident. A Montana workers’ compensation policy includes benefits to cover things like:

  • Medical bills
  • Emergency treatment
  • Vocational rehabilitation
  • Lost wages

How does Workers’ Comp work in Montana?

Montana employees can be compensated with many workers compensation insurance benefits. If they become injured in the course of their work or develop an occupational disease, they can expect help with the cost of:

  • Medical, hospital and related services.
  • Reasonable travel expenses to seek medical care.
  • Vocational rehabilitation to aid in recovery.
  • Wage replacement due to temporary or permanent disability.
  • Survivor benefits in the event of an employee’s death.

Montana has four categories of workers’ compensation income benefits:

Temporary total disability. For employees who suffer a total loss of wages for an extended period due to their injury or disease.

Permanent partial disability. For employees who are partially disabled by an injury or disease, which results in a wage loss.

Permanent total disability. For employees who cannot return to regular employment due to their injury or disease.

Death benefits may be paid to the employee’s beneficiary if they die as a result of a work-related injury or illness. Reasonable burial expenses up to $10,000 can also be covered.

Montana employers must report employee injuries to their insurer in a timely manner. They must also post a notice in the workplace that describes employees’ workers’ compensation coverage and rights.

Workers’ compensation policies protect Montana residents who temporarily work out of state. However, employers who have employees regularly working outside the state may need to get coverage in another state depending on the host state’s laws.

In some situations, non-residents who primarily work in Montana can be covered by a Montana workers’ compensation insurance policy. Employers who are unsure of whether their coverage extends to these employees should contact the Employment Relations Division of the Montana Department of Labor and Industry.

Learn more about workers’ compensation coverage.

How much is Montana Workers’ Comp?

Workers’ compensation costs vary across industries. Factors that influence price include:

  • The number of employees and the type of work they do
  • Your total payroll
  • Your insurance claims history
  • The locations where you do business

The best way to determine the insurance rate for your business is to get a free instant quote from NEXT.

What if you don’t have Workers’ Compensation in Montana?

The state of Montana penalizes employers who do not obtain required workers’ compensation coverage.

Uninsured employers may be fined $200 or twice the amount of the premium that they should have paid on the past three-year payroll while uninsured, whichever is greater.

Who is exempt from Montana Workers’ Compensation insurance?

Montana employers are not required to provide workers’ compensation insurance for some employees, including:

  • Household or domestic employees.
  • Some family members.
  • People performing services for aid or sustenance only.
  • Real estate, securities and insurance salespeople paid solely by commission.

Some employers don’t have to obtain workers’ comp coverage for themselves, including:

All independent contractors in Montana must choose one of the following workers’ compensation options:

An ICEC allows an independent contractor to waive coverage for themselves. Fines of up to $1,000 may be assessed if an uninsured independent contractor is found to be working without an ICEC.

Montana also offers a self-insurance option for workers’ compensation. Employers must seek approval from the Montana Department of Labor and Industry to self-insure.

The department only grants permission if the employer can demonstrate their financial ability to cover all workers’ comp benefits.

Applications must include audited financial statements (or reviewed statements, if audits are not normally prepared) as well as actuary reports.

In the case of any of these exceptions, employers can still voluntarily provide coverage. Consider coverage to help pay for unexpected medical expenses and lost wages in the event that you or your employees get hurt on the job.

How NEXT helps Montana small business owners

NEXT offers an easy way to get a free workers’ compensation insurance quote, purchase coverage and instantly share a certificate of insurance in about 10 minutes.

NEXT strives to resolve every claim quickly. Learn more about our claims process and how our claims advocates will work with you after an employee injury.
Start a free instant quote with NEXT.

Other important business insurance policies in Montana

Workers’ compensation insurance provides many important protections, but you’ll need additional coverage to protect from all the risks your small business can face.
Many Montana small businesses also consider:
General Liability
General Liability insurance

General liability insurance protects your business from common mistakes or accidents, such as customer injury or damages to someone’s property.

Commercial Auto
Commercial Auto insurance

In Montana, all business-owned vehicles must be covered by commercial auto insurance. If you drive or use your personal vehicle for work, commercial auto insurance helps protect your business from accidents.

Commercial Property
Commercial Property insurance

Commercial property insurance can provide financial help if your business structures, goods, gear or inventory are damaged or destroyed by a covered event.

Errors & Omissions
Professional Liability insurance

Professional liability insurance, also called errors & omissions insurance, provides financial protection against claims of professional mistakes and negligence.

More resources for small business owners

Get customized insurance in Montana

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* To the extent permitted by law, applicants are individually underwritten, not all applicants may qualify. Individual rates and savings vary and are subject to change. Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only.
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Issuance of coverage is subject to underwriting. Not available in all states. Please see the policy for full terms, conditions and exclusions. Coverage examples are for illustrative purposes only. Your policy documents govern, terms and exclusions apply. Coverage is dependent on actual facts and circumstances giving rise to a claim. Next Insurance, Inc. and/or its affiliates is an insurance agency licensed to sell certain insurance products and may receive compensation from insurance companies for such sales. Policy obligations are the sole responsibility of the issuing insurance company. Refer to Legal Notices section for additional information.

Any starting prices or premiums represented before an actual customer quote are not guaranteed and are representations of existing premiums of active policies as of December 6, 2023. To the extent permitted by law, applicants are individually underwritten, not all applicants may qualify. Individual rates and savings vary and are subject to change. Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only.