Commercial Insurance
We work with business owners across Western Montana—from restaurants and contractors to non-profits and loggers—who want real coverage and real support. Whether you’re just getting started or reviewing an existing policy, we’ll walk you through your options and help you find the right fit for how you operate.
General Liability Insurance
Covers third-party injuries, property damage, and legal costs. Required for most leases and contracts, and a must if you deal with customers in person.
Workers’ Compensation Insurance
Covers medical costs and lost wages for employee injuries. Required by Montana law if you have employees—even just one.
Commercial Auto Insurance
Protects vehicles used for business, from work trucks to delivery vans. Can also include coverage for employees driving personal vehicles for work.
Business Property & Equipment Coverage
Covers your building (if you own it), tools, inventory, and equipment from fire, theft, or weather damage.
Business Owners Policy (BOP)
A packaged policy that combines general liability and property insurance—great for small to mid-size businesses looking for efficient coverage.
Built for Local Business
We understand your world
Every industry has its own risks and quirks. We’ve worked with hundreds of business owners across Montana, and we tailor coverage for the kind of work you do.
Restaurants & Bars
From liquor liability to kitchen fires and staff injuries, we’ve got your back so you can focus on service—not risk.
Contractors & Trades
Whether you’re building homes or fixing fences, we’ll cover your crew, your tools, and your trucks without slowing you down.
Nonprofits & Community Groups
We make sure your board, volunteers, and mission are protected with policies that work for your budget and responsibilities.
Logging & Forestry
We know the terrain. We’ll help you find logging-specific coverage—from broad form liability to inland marine—for people who work in the woods.
Commercial Insurance FAQ
Straight answers from actual humans
Do I need business insurance if I work from home?
Yes. Even home-based businesses can face risks—like liability if a client visits and gets hurt, or if your business equipment is stolen or damaged. Your personal homeowners policy usually won’t cover business-related claims. If you ship products, meet clients, or store tools at home, it’s worth protecting that part of your setup.
What’s the difference between general liability & a business owners policy?
General liability insurance protects you from third-party claims, like someone slipping on your floor or accusing you of property damage. A business owners policy (BOP) combines that same general liability coverage with property coverage in one neat bundle. It’s often more cost-effective for small businesses that also need to insure their space, gear, or inventory.
Is workers’ comp required in Montana?
Yes, Montana requires workers’ compensation coverage for any business with employees—even part-time or seasonal workers. It protects your employees if they get hurt on the job and protects you from expensive lawsuits or penalties. We’ll help you navigate the rules and find a policy that fits your payroll and industry.
What if I hire subcontractors instead of employees?
Subcontractors usually need their own insurance, but your business could still be liable if something goes wrong. That’s why many business owners request a certificate of insurance from every subcontractor they work with. We’ll help you understand what’s needed and how to stay protected—without making your paperwork a full-time job.
How much does commercial insurance cost in Montana?
It depends on your industry, business size, payroll, vehicles, and a handful of other factors. For example, a small retail shop may pay a few hundred dollars a year, while a contractor with employees and trucks will pay more. The good news? We work with multiple carriers so we can find options that fit your budget.