Commercial Insurance in Missoula, MT

Coverage built for Missoula businesses

Whether you’re serving customers downtown, running a crew in the Rattlesnake, or delivering across Reserve Street, we help Missoula businesses get coverage that actually fits the way they operate. We know the neighborhoods, the risks, and the kinds of work that keep this town moving—and we’re here to make insurance simple, affordable, and local.

What We Can Help You With

Insurance that makes sense for Missoula

We work with business owners across Missoula to build policies that match their day-to-day needs. Here are some of the commercial insurance types we can help you with:

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General Liability Insurance

Protection for customer injuries, property damage, and lawsuits—whether you’re working from a storefront or on-site.



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Workers Compensation

Required for Montana employers. We’ll help you meet state requirements and protect your employees if they get hurt on the job.

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Commercial Auto Insurance

For work trucks, delivery vehicles, and service vans used across Missoula and beyond.

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Business Property & Equipment Coverage

Covers your gear, inventory, and workspace—important for everyone from restaurants on Higgins to contractors with equipment offsite.

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Business Owners Policy (BOP)

A smart, bundled option that combines liability and property coverage for small business owners who want complete protection in one plan.

Commercial Insurance FAQ – Missoula, MT

Real answers for Missoula business owners

  • What kinds of Missoula businesses do you work with?

    We work with local businesses of all shapes and sizes—retail shops, contractors, cafes, tech startups, salons, and more. Whether you’re in the Midtown district, the Northside, or up in the South Hills, we’ll help you find coverage that matches your work and your risk.

  • How do I know what types of commercial insurance I need?

    It depends on how you run your business. If you have a physical space, employees, or use vehicles for work—you likely need more than one type of coverage. We’ll walk through how you operate and help you decide which policies are necessary, and which ones might not be.

  • What does a Business Owners Policy include?

    A BOP typically includes general liability and commercial property coverage, plus optional add-ons like business interruption or cyber. It’s a great fit for small businesses looking for bundled protection at a better rate. We’ll let you know if it’s the right match for your setup.

  • Can I switch to you if I already have a policy with someone else?

    Yes, and we’ll make the process easy. We can review your current policies, find gaps or better pricing, and help you switch over with no downtime in coverage. Many Missoula business owners come to us when their renewal notice shows up—we’re happy to take a look.

  • Can you help if I’m just starting out?

    Definitely. Whether you’re launching your first storefront on Brooks Street or starting a one-person contracting business, we’ll explain what you need (and what you don’t). Our goal is to get you covered without overwhelming you.