Business Insurance in Montana

Whether you run a construction company in Billings, a retail shop in Bozeman, or a professional services firm in Missoula, Selective and your independent agent can help protect your business with a customized commercial insurance policy.

Montana's diverse economy supports businesses of all sizes across industries like construction, manufacturing, agriculture, tourism, and professional services. In the Treasure State's growing business environment, having the right insurance coverage is essential to protect your operations and your livelihood.

With trusted independent agency partners across the state, Selective can help your Montana business get a comprehensive insurance solution that fits your unique needs. Find a local Montana insurance agent today to explore your coverage options and to get a quote.

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Businesses We Insure in Montana

At Selective, we offer commercial insurance to over 400 types of businesses. Alongside our independent agency partners, we are proud to serve Montana businesses of almost any size, including but not limited to:

Contractors: General contractors (residential and commercial), electrical, building services, excavation and grading of land, water and sewer, street and road, painting and paper hanging
Manufacturers and Wholesalers: Electronics and electrical equipment, fabricated metals, industrial machinery, technology, furniture and fixtures
Professional Offices: Law firms, advertising agencies, medical offices, real estate agencies, architects, accounting firms
Mercantile Services: Retail food & fine dining, retail goods, building owners/lessors risk, funeral homes
Auto Services: Including repair shops and body shops
Community and Public Services: Social services, municipalities, volunteer fire departments, private schools, senior living, religious institutions

Don't see your profession or want more information? Find a local independent agent in Montana for answers and a business insurance quote.

“First rate. Professional service. I will definitely recommend Selective to any friends shopping for a new insurer.”

- Business Insurance Customer

Insurance Coverages for Montana Business Owners

While no one knows your business like you do, Selective and your independent agent can help you mitigate your unique risks with a personalized commercial insurance solution built around essential coverages:

Business Owners Policy (BOP)

A BOP bundles property, liability, and business income insurance into a single, budget-friendly package. This convenient insurance solution from Selective offers broad coverage that can help protect your business against losses related to property damage, lawsuits, or other incidents.

Business Interruption

Business interruption insurance helps protect your company against income loss if certain covered losses force you to suspend your operations. It may also cover rent or lease payments, relocation costs, employee wages, taxes, and loan payments until you reopen. Business interruption insurance does not typically cover damages or losses from flooding, earthquakes, and mudslides, although you may be able to purchase additional coverage for these risks.

General Liability Insurance

General liability insurance helps protect your company from certain liability claims such as allegations of third-party property damage, bodily injury, false arrest, and slander or libel. It may also help pay for legal fees related to lawsuits against your company and medical costs if someone sustains a bodily injury on your business property.

Property Insurance

Commercial property insurance can help to protect your company's physical assets, such as business equipment, inventory, and furniture. Property insurance can help with repair or replacement costs and keep your business going if a fire, vandalism, or other covered risk causes structural damage to your insured building or its contents.

Commercial Auto Insurance

If your Montana business uses vehicles for operations — whether company-owned trucks, service vans, or a fleet of delivery vehicles — commercial auto insurance can help protect your business against liability and physical damage losses involving those vehicles.

Umbrella/Excess Liability Insurance

An umbrella policy provides an additional layer of liability protection above and beyond your underlying commercial general liability, commercial auto, and employers' liability policies, helping to protect your business from catastrophic claims.

Workers' Compensation Insurance

Workers' compensation insurance provides benefits to employees who are injured or become ill as a result of their job. In Montana, most employers are required to carry workers' compensation coverage. A workers' compensation policy may also provide injured workers with a portion of lost wages if they take time off to recover.

Why Choose Selective for Your Montana Business

Local Independent Agents

Our Montana-based independent insurance agents understand the unique challenges and opportunities facing businesses in your community. They're here to help you find the right coverage and support your growth.

Customized Coverage Options

From property and liability to workers' compensation and commercial auto, we offer a wide range of insurance products to meet the needs of Montana businesses of all sizes.

Responsive Claims Service

When the unexpected happens, our claims team is ready so you can get back to business.

Risk Management Expertise

We help you identify and manage risks with tools and resources tailored to your industry.

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Frequently Asked Questions About Montana Business Insurance

How much does commercial insurance cost in Montana?

Commercial insurance costs in Montana vary from business to business. Factors that can affect your cost include (but are not limited to) your location, payroll, number of employees, industry, and the types of vehicles you own. Your local independent insurance agent can help you assess your risks and customize a commercial insurance policy that adequately protects your needs.

Is workers' compensation insurance required in Montana?

In Montana, most employers are required to carry workers' compensation insurance. Montana law mandates coverage for employees, with limited exceptions. Penalties for non-compliance can include fines and personal liability for workplace injuries. An independent insurance agent can help you understand your obligations and find the right coverage.

What types of businesses does Selective insure in Montana?

Selective offers commercial insurance to over 400 types of businesses in Montana, including contractors, manufacturers and wholesalers, professional offices, mercantile services, automotive service providers, and community assistance programs. Whether you operate a small business or a mid-market enterprise, our independent agents can tailor a policy to your unique needs.