Montana work comp rates are falling, but still higher than the national average.

In Montana, workers' compensation rates are more expensive than the national average. In 2022, the average rates were about 15 percent higher than the rest of the country. Rates have been on a steady decline over the past 5 years. They are expected to decrease slightly in 2024.

Montana is an NCCI state like most other states. This means that NCCI administers employers' experience modifiers and collects all data for the state including claims, class codes, premiums, and payroll. They analyze this data and make annual recommendations to carriers and to the MT Department of Insurance. Every Insurance company is required to file their rates with the state for approval each year.

Workers' compensation rates will still vary for the same class codes in Montana because insurance companies can apply policy credits and debits up to 25% to adjust their filed rates. More discounts may also be added to a policy depending on the size of payroll and overall claims experience.

Don't get stuck paying too much for your workers' comp coverage. Our agents know how to get you the lowest rates for your business. Call us today to find out how knowledegeable agents, expert advice and more choices lead to the best workers' comp quote.

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Workers Comp Rates are an Art & Science

What influences my workers comp insurance cost?

Your State & Class Codes

Insurance companies file their "base manual rates" for approval with each state for all class codes. Rate recommendations are generally made to the state and carriers annually by the National Council on Compensation Insurance.

Your Claims or Losses

Employee claims are reported to NCCI and statistically compared with all other similar type businesses using the same class code in each state. An Experience Modification Rate may apply to your business after a few years of coverage.

Prior Experience & Coverage

Insurance company underwriters are permitted to make premium rate adjustments based on unique factors about your business, safety practices, and management experience in most states.

Policy Credits and Debits

Insurance companies may apply policy credits and debits to the base manual rates. Additional discounts can be applied to premium as the total payroll & premium increases.

Smart Agents with expertise in workers' compensation insurance utilize this information to negotiate your insurance rates with underwriters. A good narrative about your business helps insurance companies justify a better price.

Montana Rates for Select Work Comp Class Codes

Rates for State Class Codes. Select Codes Listed:

The workers' compensation rates listed below for Montana represent the current insurance rates for 2023. Montana rates are administered by the Workers' Compensation Regulation Bureau and the Montana Department of Labor and Industry. Insurance companies are able to offer discounts and credits on workers' comp policies in Montana. We offer Pay As You Go workers' comp solutions in Montana. Not all employers will qualify for the lowest rates available or maximum policy credits. We help employers compare rates with more than 35 insurance companies so they get the best deal on their work comp coverage.

Class Code & Description Low Rate High Rate
0035 Farm-Planting & Harvesting-Cannabis Growers $1.99 $3.78
0042 Landscaping Service $3.81 $7.24
0106 Tree Trimming-Pruning-Removal $6.78 $12.88
0917 Residential Cleaning Service-Housekeepers $3.38 $6.42
2121 Breweries-Craft Beers $1.35 $2.57
2143 Winery-Wine Makers $2.03 $3.86
2585 Carpet Cleaning $3.13 $5.95
2589 Dry Cleaning & Laundry Service $2.51 $4.77
3632 Machine Shop $2.25 $4.28
3724 Garage Door Installation $2.95 $5.62
3821 Salvage Yard-Automobile Recycling $5.06 $9.61
5022 Masonry Construction $7.58 $14.40
5102 Door & Window Installers $4.93 $9.37
5183 Plumbing Contractors $2.81 $5.34
5190 Electrical Work-Electrician $2.41 $4.58
5221 Concrete Work-Flat Work Cement $3.86 $7.33
5223 Pool Installation & Maintenance $4.91 $9.33
5348 Ceramic, Tile & Stone Work $2.90 $5.51
5437 Trim-Finish Carpenters-Cabinets-Countertops $4.72 $8.97
5445 Drywall Contractors $4.91 $9.33
5474 Painting Contractors $6.65 $12.64
5478 Floor Installers-Wood-Carpet-Laminate $3.22 $6.12
5535 Metal Building Construction $5.99 $11.38
5537 HVAC-Heating & Cooling Service/Repair $4.20 $7.98
5537* Solar Energy Contractors-Installation $4.20 $7.98
5551 Roofing Contractors $21.54 $40.93
5606 Asphalt & Paving Work $0.77 $1.46
5645 Residential Construction-Home Builders-Remodelers-Siding $7.85 $14.92
6217 Excavation & Grading Work $3.43 $6.52
6400 Fence Installation & Repair $4.38 $8.32
7219 Trucking-Short & Long Haul $5.40 $10.26
7225 Towing Company $5.47 $10.39
7230 Package & Parcel Delivery $6.42 $12.20
7370 Non-Emergency Medical Transport-Taxi-Limo-Airport Shuttle $2.84 $5.40
7605 Alarm Installation & Repair $1.90 $3.61
7720 Security Guards-Patrol Officers $2.08 $3.95
8006 Gas Stations-Convenience Stores $1.88 $3.57
8017 Retail Stores-Merchandise-Cannabis Dispensary $1.08 $2.05
8292 Warehousing & Storage Facility $2.85 $5.42
8380 auto Service & Repair-Mechanic $2.46 $4.67
8393 Auto Body Repair $1.28 $2.43
8742 Sales Professional $0.36 $0.68
8810 Clerical-Office Employee $0.19 $0.36
8824 Retirement Living Centers-Congregate Communities $3.00 $5.70
8824* Nursing Homes & Assisted Living Facilities $3.00 $5.70
8831 Animal Shelters & Kennels-Veterinarian $1.21 $2.30
8832 Medical Office- Doctor- Dentist- Chiropractor, Optometrist $0.41 $0.78
8835 Home Healthcare Workers $2.19 $4.16
8842 Group Homes-Temporary Shelters-Disability Facility $2.55 $4.85
8842* Group Homes- Temporary Shelters- Disability Facility $2.71 $5.15
8864 Social Service Organizations-Counseling-Family Services $1.43 $2.72
8868 Religious Organizations-Church-Temple $0.43 $0.82
8869 Child Care Center-Day Care Providers $1.06 $2.01
9012 Property Management-Leasing Agent $0.94 $1.79
9014 Janitorial Service Contractors-Pet Control-Exterminating-Chimney $2.85 $5.42
9015 Building Maintenance-Campgrounds-Camps-RV Parks $2.47 $4.69
9052 Hotels & Motels $1.78 $3.38
9060 Golf Courses & Country Clubs $1.08 $2.05
9063 Fitness Center-Health Clubs-YMCA Programs $0.77 $1.46
9082 Restaurants-Catering $0.90 $1.71
9083 Fast Food Restaurant-Concessions-Doughnut Shop $0.90 $1.71
9083* Mobile Food Truck-Food Court $0.90 $1.71
9084 Bars-Taverns-Nightclubs $0.97 $1.84
9102 Lawn Service & Maintenance $2.93 $5.57
9180 Shooting Range-Amusement Park $3.79 $7.20
9402 Septic Tank Cleaning-Portable Toilets $3.78 $7.18
9403 Refuse Collection- Garbage- Trash Service $5.04 $9.58
94034.96 Refuse Collection-Garbage-Trash Service $4.96 $9.42
9516 Electrical Equipment Repair & Service $2.57 $4.88

Montana rates vary by workers' compensation classification codes and insurance company underwriting guidelines. Employers' who have an Experience Modifier (E-MOD) assigned to their business may have additional credits or debits applied to their insurance rates based on prior premiums and workers' comp loss experiences. The Assigned Risk Plan in Montana is the administered by the Montana State Fund.

State Resources for Montana

MT Dept. of Labor and Industry

P.O. Box 8011
Helena, MT 59624-8011

MT Work Comp Regulation Bureau

P.O. Box 8011
1805 Prospect Avenue
Helena, MT 59624-8011

Montana is under the Jurisdiction of the National Council for Compensation Insurance (NCCI) and contracts with the Montana State Fund for assigmed risk coverage.

Our agency helps employers find guaranteed state fund workers' comp in MT. If we can't find more affordable coverage with a private insurance company, we can help you buy a state fund policy.

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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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