Montana Workers' Compensation Programs

Find More Savings With One of Our Select Workers' Comp Packages.

Save money with specialized workers comp programs for Montana employers.

In Montana, rates for workers compensation coverage are more expensive than the national average. As of 2014, the rates were 19 percent higher than the rest of the country. These rates have declined steadily for the past five years. A main reason for these higher rates is the lack of competition in the market place. For this reason it is crucially important that employers take advantage of every opportunity they have to save on their coverage.

At Workers Compensation Shop.com, we specialize in Workers Comp Coverage. Because of this specialization we have several programs designed to help you take full advantage of your work comp policy.

One very popular program we offer is Pay as You Go Workers Comp Coverage. With this program business owners's can pay their premiums monthly instead of in a lump sum at the beginning of the year. Many business owners really like this option because it frees up cash for other more immediate business needs. It can also prevent over or underpayment on your insurance premium by not having to estimate what payroll will be through the entire term.

Call today at 888-611-7467. Let one of our knowledgeable agents help you find the program that is right for you and your business.

Our programs target businesses where we have the best opportunity to provide maximum savings. Often times, we've worked out special considerations for underwriting and pricing with some of our insurance partners. More policy discounts and credits may be applied.

Target Programs for MT Workers Compensation

Don't see your business or industry? Don't worry, we've still got you covered.

Montana Workers Comp
Pay As You Go

Improve Cash Flow- Pay As You Go

Our Pay As You Go workers' compensation insurance plans make it more affordable to buy workers' compensation insurance with little to no money required to start coverage. These plans also help reduce the risk of having a big audit bill at the end of the year because the premium you pay is based on your actual, real-time payroll.


We offer Pay As You Go workers comp from dozens of top-rated insurance companies. We can manage the reporting process directly, set your business up to report and pay the carriers, or work with your payroll provider to collect and pay your premium each pay period or monthly.

Buying Workers Comp Insurance in Montana

Who Needs Coverage in Montana?

All companies who employ one or more full or part-time employees must purchase workers compensation insurance.

In recent years the market on workers' compensation insurance in the state of Montana has gotten better. In 2010 Montana had the highest rates in the country. As of 2014 the rates are 19 percent higher than the national average which makes Montana the 11th most expensive state in the country to purchase workers' compensation insurance. Montana does have a competitive state fund and a growing market for competition in the state. These two factors shoould continue to force rates lower in the state for the foreseeable future.

Affordable workmans comp for business owners.

WHAT IF MY INDUSTRY IS NOT LISTED AS A TARGET?

We've got you covered. We write workers' compensation insurance for lots of business types not listed above. Chances are we have the right products and carriers to hep you buy affordable coverage.
  • More than 50 top insurance companies quoting workers comp insurance.
  • Targeted Programs for standard businesses and tough class codes.
  • Start your workers comp insurance quote online or call us at 888-611-7467.
Visit NCCI for more resources and information about workers' compensation class codes. Visit United States Department of Labor for more information about government agencies managing workers compensation insurance rates.

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