Montana Workers Compensation Insurance

Montana Workers Compensation Insurance Rules

1. Does my Montana business need workers compensation insurance?

Yes, all employers with one(1) or more employees, sole proprietors, partners and members of a member managed LLC, must carry workers compensation insurance.

2. In Montana is there any exemptions from carrying workers compensation insurance?

Sole proprietors , partners, members of a member managed LLC, may elect not exempt themselves from workers compensation insurance coverage. However, to do so, they must file for independent contractor status.

3. Does Montana workers compensation law have specific requirements for subcontractors/contractors and sole proprietors?

Independent contractors my exempt themselves from workers compensation coverage. To be recognized as an Independent Contractor, you must be free from control over the hiring agent, fill out the proper form(follow link below) and submit notarized affidavit stating you elect to exempt yourself from workers compensation insurance coverage.

Employee Leasing and Staffing Companies

Using a PEO or staffing company to obtain your workers compensation may be a good alternative to purchasing your own workers compensation policy. Leasing companies handle your payroll, w-2 forms, unemployment and workers compensation claims. In many cases the down payment required to obtain a new workers compensation policy is high and many new businesses cannot afford the down payment. Another advantage, based on my experience, is that you will never get audited because you pay as you go for your coverage. We represent numerous leasing and staffing companies who in many cases offer deep discounts on your workers compensation coverage that you will not find from standard workers compensation insurance carriers.

USL&H & The Jones Act

We have excellent workers compensation programs for these specialty risks requiring this endorsement. If you are unsure and want to read either the USL&H or Jones Act I have provided helpful links below for you convenience. I have found them to be the most detailed and good resources on the laws.

If you need a quote that requires this coverage

Click Here for a USL&H Quote

Click here for the complete USL&H Act, courtesy of Cornell University.
Click here for: USL&H & Jones Act Information
Defense Base Act Division of Longshore and Harbor Workers' Compensation

Montana Workers Compensation Insurance

Montana Workers Compensation Links

Montana Independent Contractor Forms
Montana Workers Comp Homepage
Montana Workers Comp Court Rules
Montana Occupational Diseases Act