Workers Compensation

Coverage for your crew, required by law

If you have employees in Montana—even part-time—you’re legally required to carry workers compensation insurance. But more than that, it’s a way to protect your team and your business when something unexpected happens. We’ll help you find a policy that covers your people, fits your budget, and checks every compliance box without the confusion.

What Workers Comp Can Cover

Help when your team needs it most

Workers comp is designed to protect your employees after a work-related injury or illness. Here’s what a typical policy can include:

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Medical Expenses

Covers doctor visits, hospital bills, prescriptions, and other treatment costs related to a workplace injury.

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Lost Wages

Helps replace a portion of your employee’s income while they recover and can’t work.

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Disability Benefits

Offers compensation for temporary or permanent disability caused by a work-related incident.

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Rehabilitation Services

Covers physical therapy or job retraining if your employee can’t return to their old role right away.

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Death Benefits

Provides financial support to the employee’s family in the case of a fatal accident on the job.

Workers Comp FAQ

Straightforward answers, no legal speak

  • Who needs workers comp in Montana?

    Any business with employees in Montana—full-time, part-time, or seasonal—is required to carry workers compensation insurance. That includes small businesses and family-run operations. If you’re not sure whether your situation qualifies, we can help you figure it out quickly. It’s always better to check than to face penalties later.

  • What kinds of injuries are covered?

    Workers comp covers injuries and illnesses that happen as a result of work. That includes falls, equipment accidents, repetitive strain injuries, and even some mental health conditions related to the job. If the injury or illness is tied to their employment, it’s usually covered. We’ll help you understand how that applies to your industry.

  • How is the cost of workers comp calculated?

    Pricing is based on your industry risk level, your total payroll, and your claims history. High-risk jobs like roofing or logging tend to cost more than low-risk office roles. We shop multiple carriers to find the best fit, and we’ll always explain what affects your rate. Many businesses are surprised by how affordable good coverage can be.

  • What happens if I use subcontractors?

    Subcontractors typically need to carry their own workers comp insurance—but if they don’t, you could be held liable. We recommend collecting a certificate of insurance from every subcontractor before they start work. If you’re unsure how to manage this, we’re happy to help you build a process that keeps you protected.

  • Can I be fined for not having workers comp?

    Yes. If you’re required to have it and don’t, you could face state fines, lawsuits, and personal liability for employee injuries. Even a single claim without coverage could be financially devastating. Getting the right policy in place now is the best way to stay protected down the road.