Contractor Insurance
in Montana
Protect Your Montana Construction Business With State-Approved Coverage
Montana’s vast landscapes and unpredictable weather can be tough on construction businesses—and so can state regulations. Whether you’re a general contractor in Billings or a roofer in Missoula, having the right insurance isn’t just smart—it’s often required.
At ACI, we make compliance easy with custom, affordable coverage that meets Montana’s insurance rules. We help protect your crew, your tools, and your peace of mind—so you can focus on getting the job done.
Why Contractors in Montana Choose ACI
Local Expertise
We know Montana’s licensing laws, industry risks, and jobsite exposures.
Same-Day Certificates
Fast proof of coverage so you can pull permits or bid jobs without delays.
Flexible Payment Plans
Start with as little as 20% down—great for seasonal and small businesses.
Bundled Savings
Save up to 25% when you combine policies like liability, auto, and tools coverage.
Insurance Coverage We Offer in Montana
We offer coverage for independent tradespeople, licensed contractors, and subcontractors across the state.
- General Liability Insurance
Covers injury and property damage claims—often required to get licensed or win contracts.
- Workers’ Compensation Insurance
Mandatory for most businesses with employees. Pays for medical care and lost wages after jobsite injuries.
- Commercial Auto Insurance
Insures your trucks, vans, and trailers used for business against collisions, damage, and theft.
- Tools & Equipment Insurance
Protects your gear in the shop, in transit, or on the jobsite from theft and damage.
- Builder’s Risk Insurance
Covers your materials, structure, and equipment during active building or renovation.
- Professional Liability Insurance
Covers design errors or consultation-related mistakes that result in a client claim.
Who We Cover in Montana
From small-town contractors to full-scale builders, we cover:
- General Contractors
- Roofers
- Electricians
- Plumbers
- Remodelers
Whether you’re framing cabins in Bozeman or rewiring homes in Helena, ACI has coverage designed for how you work.
How Much Does Contractor Insurance Cost in Montana?
Many Montana contractors get started with general liability for less than $100/month. Total cost depends on your trade, coverage, and team size.
Cost Factors
- Type of Work (e.g., Roofing vs. Painting)
Higher-risk trades like roofing tend to cost more than painting or finish work.
- Number of Employees
More staff means more liability and workers’ comp coverage required.
- Coverage Limits and Deductibles
Higher limits offer more protection, while a higher deductible lowers your premium.
- Business Revenue
Bigger jobs and higher revenue often mean increased insurance costs.
- Claims History
A clean claims record keeps your rates low—frequent claims can raise them.
Get a custom quote tailored to your trade, crew size, and Montana jobsite needs.
Montana Contractor Insurance Requirements
General Liability Insurance
Not required by state law but commonly mandated by clients, project owners, and licensing authorities.
Workers’ Compensation Insurance
Required for all businesses with employees—even part-time or seasonal staff.
Commercial Auto Insurance
Needed for any vehicle used primarily for business purposes.
Requirements vary by city, project type, and trade. Contact us for personalized guidance.
Get a Free Contractor Insurance Quote
in Montana
Protect your business the smart way—with fast, flexible coverage built for Montana contractors. Get your custom insurance quote now.