about  |  faq |  get quotes  |  request cert  |  contact

Available Programs:

 Carrier Risk Tolerance:

Pay As You Go Workers' Compensation

All risks acceptable:  low, medium, and high risk business.

Includes risks such as contractors, trucking, roofing, and temporary staffing.

Direct Bill Work Comp

All risks acceptable:  low, medium, and high.

Pay As You Go General Liability

Contractor and service risks acceptable:  low, medium only

Commercial Insurance- Standard Lines

Most Risks

Commercial Packages- 12 Equal Installs

Non-construction risks only.

PaySmart Payroll & Insurance Management

Available

Workers Compensation Information:

 Owners Wages for Workers' Compensation

Individuals and Partners

$44,000- Min Annual Payroll (effective 07.01.07).

Sole-proprietors and Partners covered only if endorsed on policy.

LLC Members

Treated the same as executive officers.

Statutorily excludes when:

1. does not perform ordinary duties of a worker and does not receive pay for duties.

2. is engaged primarily in household employment for the LLC.

3. owns 20% or more of the LLC.

4. is the immediate family member.

May elect to be covered.

A working member who is an independent contractor shall elect coverage under one of three compensation plans, but can apply for an independent contractor exemption:

1. stated minimum per month.

2. maximum of 1.5 times the state average weekly wage, or

3. a coverage level between the min and max amounts ($10,400 - $41,600).

Corporate Officers: Corporations

$10,400- Min Annual Payroll (effective 07.01.96).

Executives may be excluded by endorsement.

An executive who does not receive pay for performing duties of a worker, or owns 20% or more of a corp, or is an immediate family member of an executive owning 20% or more is excluded.  Can elect coverage.

*Notes

 General Liability Information:

 Owners Wages for General Liability:

Individuals and Partners

$15,700- flat annual.

Corporate Officers & LLC Members

$28,800- flat annual.

MT Work Comp Resources & Links:

 MT Workers Compensation Forms:

State of Montana

http://mt.gov

Department of Labor and Industry

http://dli.mt.gov/

Post Office Box 1728
Helena, Montana 59624-1728
(406) 444-2840, Fax: (406) 444-1394
E-mail: dliquestions@mt.gov

Employment Relations Division

http://erd.dli.mt.gov/

 

Workers’ Compensation Claims Assistance Bureau

http://erd.dli.mt.gov/wcclaims/wcchome.asp

Street Address:
1805 Prospect Avenue
Helena, Montana 59624
 

Mailing Address:
Post Office Box 8011
Helena, Montana 59624-8011
(406) 444-6543, Fax: (406) 444-3465, TDD: (406) 444-9696
E-mail: jakoehl@mt.gov

 

Workers’ Compensation Regulation Bureau

http://erd.dli.mt.gov/wcregs/wcrhome.asp

Street Address:
1805 Prospect Avenue
Helena, Montana 59624
 

Mailing Address:
Post Office Box 8011
Helena, Montana 59624-8011
(406) 444-6541, Fax: (406) 444-3465

Workers’ Compensation Court

http://wcc.dli.mt.gov/

Street Address:

1625 11th Avenue
Helena, Montana
 

Mailing Address:
Post Office Box 537
Helena, Montana 59624-0537
(406) 444-7794, Fax: (406) 444-7798
E-mail: pkessner@state.mt.us

Montana State Fund

http://www.montanastatefund.com/

Street Address:
5 South Last Chance Gulch
Helena, Montana 59601
 

Mailing Address:
Post Office Box 4759
Helena, Montana 59604-4759
(406) 444-6500

Claim Reporting/Customer Service: (800) 332-6102

Fraud Reporting: (888) 682-7463

Acord 130 Form

Certificate Request Form

ERM-14 Form

Order Loss Runs (Example)

NCCI Mod Authorization

* Information contained herein is based on the most accurate data as of the time of posting.  Please check with you states Division of Workers' Compensation Insurance for the most up to date information and to verify accuracy.