Is workers comp required in Montana?
Montana generally requires employers with one or more employees to carry coverage, and independent contractors may need an exemption certificate. Owners, partners and corporate officers are treated under their own rules, and some workers such as certain agricultural or domestic employees may be handled differently.
Buying coverage in Montana
Coverage in Montana is sold by private insurers. Every state also has a market of last resort, so even higher-risk or brand-new businesses can generally find a policy.
Who sets the rules
The Montana Department of Labor and Industry, Employment Relations Division oversees workers comp in Montana. In Montana, the National Council on Compensation Insurance (NCCI) provides the classification system and loss costs that insurers use to file rates.
What Montana employers should know
- Montana's independent contractor exemption is handled through the state, so businesses that hire contractors should verify exemption status.
- Ranching, logging and seasonal tourism are common Montana classes.
How premiums are calculated
Your Montana premium starts with payroll in each job classification. Experience mods, schedule credits and minimum premiums then adjust it, and the year-end audit settles the difference between estimated and actual payroll. Learn more about how workers comp rates work and preparing for an audit.
Industry guides for Montana employers
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Montana workers comp FAQ
Is workers comp required in Montana?
Montana generally requires employers with one or more employees to carry coverage, and independent contractors may need an exemption certificate. Rules and exceptions change, so confirm your situation with the state agency or an agent.
Who oversees workers comp in Montana?
The Montana Department of Labor and Industry, Employment Relations Division administers the workers compensation system in Montana.
Can I buy Montana workers comp from a private insurer?
Yes. Private insurers write workers comp in Montana, and a market of last resort is available for businesses that are hard to place.
How is workers comp priced in Montana?
In Montana, the National Council on Compensation Insurance (NCCI) provides the classification system and loss costs that insurers use to file rates. Your Montana premium starts with payroll in each job classification. Experience mods, schedule credits and minimum premiums then adjust it, and the year-end audit settles the difference between estimated and actual payroll.