Workers Compensation

Montana Workers Comp Rates

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Montana Workers Comp Rates

Montana workers' compensation rates are falling, but remain high compared with national averages.

In Montana, rates for workers compensation coverage are more expensive than the national average. As of 2018 the rates were 19 percent higher than the rest of the country. Rates have been on a steady decline over the past 5 years.

The fact that rates remain high on workers comp coverage, makes it very important that businesses to get the best value for their business. At Workers Compensation we specialize in helping businesses find lower rates on their work comp policy and we have been doing so for more than a decade.

We are a national agency and partner with more than 35 insurance companies. More than a dozen of these providers are actively quoting policies in Montana. Most agencies only partner with a select few carriers. By partnering with so many providers we can negotiate for better coverage and lower rates on your policy.

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Questions? Call 888-611-7467 Today for Help With MT Workers Compensation Rates

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MT Rates for Select Work Comp Class Codes Workers Compensation Icon.

The workers' compensation rates listed below for Montana represent the current insurance rates effective 1/1/2019. 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 each workers comp policy. We also offer Pay As You Go work comp coverage in Montana. Not all employers will qualify for the lowest rates available or maximum policy credits. We help employers compare rates with 35 insurance companies so they get the best deal on their coverage.

Class Code

Low Rate High Rate

0035 Farm- Planting and Harvesting- Cannabis Growers

$2.04 $3.88

0042 Landscaping Service

$4.01 $7.62

0106 Tree Trimming- Pruning- Removal

$7.91 $15.03

0917 Residential Cleaning Service- Housekeepers

$3.81 $7.24

2121 Breweries- Craft Beers

$1.72 $3.27

2143 Winery- Wine Makers

$2.09 $3.97

2585 Carpet Cleaning

$3.43 $6.52

2589 Dry Cleaning and Laundry Service

$2.72 $5.17

3632 Machine Shop

$2.38 $4.52

3724 Garage Door Installation

$3.08 $5.85

3821 Salvage Yard-Automobile Recycling

$5.63 $10.70

5022 Masonry Construction

$8.60 $16.34

5102 Door and Window Installers

$5.16 $9.80

5183 Plumbing Contractors

$2.85 $5.42

5190 Plumbing Contractors

$2.66 $5.05

5221 Concrete Work- Flat Work Cement

$4.57 $8.68

5223 Pool Installation- Pool Maintenance

$6.26 $11.89

5348 Ceramic, Tile and Stone Work

$3.12 $5.93

5437 Trim- Finish Carpenters- Cabinets- Countertops

$516.00 $9.80

5445 Drywall Contractors

$5.80 $11.02

5474 Painting Contractor

$7.09 $13.47

5478 Floor Installers- Wood-Carpet-Laminate

$3.71 $7.05

5535 Metal Building Construction

$5.82 $11.06

5537 HVAC- Heating and Cooling Service/Repair

$5.04 $9.58

5537* Solar Energy Contractors- Installation

$5.04 $9.58

5551 Roofing Contractors

$24.23 $46.04

5606 Asphalt & Paving Work

$0.90 $1.71

5645 Residential Construction- Home Builders- Remodelers- Siding

$8.51 $16.15

6217 Excavation and Grading Work

$3.47 $6.59

6400 Fence Installation & Repair

$4.99 $9.48

7219 Trucking- Short Haul and Long Haul

$6.02 $9.48

7225 Towing Company

$5.89 $11.19

7230 Package and Parcel Delivery

$7.43 $14.12

7370 Non-Emergency Medical Transportation- Taxi- Limousine- Airport Shuttle

$3.19 $6.06

7605 Alarm Installation and Repair

$2.59 $4.92

7720 Security Guards- Patrol Officers

$2.20 $4.18

8006 Gas Stations- Convenient Stores

$2.29 $4.35

8017 Retail Stores- Merchandise- Cannabis Dispensary

$1.14 $2.17

8292 Warehousing and Storage Facility

$2.71 $5.15

8380 Auto Service and Repair- Mechanic

$2.81 $5.34

8393 Auto Body Repair

$1.42 $2.70

8742 Sales Professional

$0.38 $0.72

8810 Clerical- Office Employee

$0.22 $0.42

8824 Retirement Living Centers- Congregate Communities

$3.24 $6.16

8831 Animal Shelters and Kennels- Veterinarian

$1.43 $2.72

8832 Medical Office- Doctor- Dentist- Chiropractor, Optometrist

$0.41 $0.78

8835 Home Healthcare Workers

$2.47 $4.69

8842 Nursing Homes and Assisted Living Facilities

$2.71 $5.15

8842* Group Homes- Temporary Shelters- Disability Facility

$2.71 $5.15

8864 Social Service Organizations- Counseling- Family Services

$2.71 $5.15

8868 Religious Organization- Church- Temple

$0.45 $0.86

8869 Child Care Center- Daycare Providers

$1.26 $2.39

9012 Property Management- Leasing Agent

$0.94 $1.79

9014 Janitorial Service Contractors- Pest Control- Exterminating- Chimney

$3.41 $6.46

9015 Building Maintenance-Campgrounds-Camps-RV Parks

$2.67 $5.07

9052 Hotels and Motels

$1.95 $3.71

9060 Golf Courses and Country Clubs

$1.17 $2.22

9063 Fitness Center- Health Clubs- YMCA Programs

$0.89 $1.69

9082 Restaurants- Catering

$1.01 $1.92

9083 Fast Food Restaurant- Concessions- Doughnut Shop

$0.96 $1.82

9083* Mobile Food Truck- Food Cart-

$0.96 $1.82

9084 Bars-Taverns-Nightclubs

$1.08 $2.05

9102 Lawn Service and Maintenance

$3.06 $5.81

9180 Shooting Range- Amusement Park

$4.10 $7.79

9402 Septic Tank Cleaning- Portable Toilets

$4.18 $7.94

9403 Refuse Collection- Garbage- Trash Service

$5.04 $9.58

9516 Electrical Equipment Repair and Service

$3.45 $6.56

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 State Fund in Montana is the Montana State Fund. Find out-of-state workers comp isnurance or get a Montana quote.

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Montana state law allows insurance providers to issue credits and debits on manual premium rates up to 25%. This means that employers with good claims experience and modifiers may be eligible for a policy credit. Our agents are trained to request maximum credits from our insurance carriers when applicable.

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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

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Montana is under the Jurisdiction of the National Council for Compensation Insurance (NCCI) and contracts with Travelers as the state fund carrier.

Our agency can help employers find guaranteed state fund coverage in MT. If we can't find coverage with a private insurance provider we can help buy a state fund policy.

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Obtain Better Workers Compensation Insurance Quotes


How to get the lowest rates on workers comp insurance.


We've developed exclusive relationships with our insurance companies to turn-around accurate and bindable workers comp quotes in no time at all.

Workers comp insurance rates   Start your quote online or call us at 888-611-7467

Workers comp insurance rates   We will shop your policy with our MT carriers.

Workers comp insurance rates   You get the very best prices on workers comp.

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No Money Down Workmans Comp Workers Comp Payments
$0 Money Down Better Payment Options

We're a national leader in Pay As You Go Workers Compensation. We've developed low price programs to help reduce or eliminate down payments and allow employers to report and pay premium based on their actual wages.

We've negotiated the best deals with many of our insurance companies in order to offer more flexible payment options like 12 equal installment plans and monthly reporting to help improve cash flow for business owners.

Workers Compensation Class Codes
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Tough Class Codes Faster Insurance Quotes

We offer an affordable quote for some of the toughest NCCI class codes and higher experience modifiers because we've partnered with national carriers who specialize in high hazard industries.

Our carriers and underwriters understand that we need to turn wc quotes quickly so our customers can buy coverage when they need it. We often turn quotes in less than 24 hours.

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Learn more about workers compensation insurance in Montana Work Comp:   Montana | MT Programs| MT Rates | MT Forms | MT Info | MT Quotes
Workers Compensation Agents A+ BBB Rating

At Workers Compensation we think trust is an important part of doing business. That's why we have worked long and hard to earn an A+ rating from the Better Business Bureau. We want you to have confidence that our business practices are the best in the industry.

Give one of our Montana workers compensation specialists a call today at 888-611-7467 to see if your business qualifies for lower workers compensation insurance rates.

Montana Agency License: 737867
National Producer Number: 5064979

Contact a Montana Workmans Comp Specialist