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 take advantage of every option they have to get the best value for their business. At Workers Compensation we specialize in helping businesses find value on their work comp policy and we have been doing so for more then a decade.

We are a nationwide agency and partner with more than 30 insurance providers. More than a dozen of these providers are actively quoting policies in Montana. Most agencies only partner with a select few providers. By partnering with so many providers we can negotiate for better coverage and lower rates on your policy.

Don't pay too much for your coverage. Call us today at 888-611-7467 and let one of our experts help you find the best value for your workers comp coverage.

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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 7/1/17. 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 coverage in Montana. Not all employers will qualify for the lowest rates available or maximum policy credits.

Class Code

Low Rate High Rate

0042 Landscaping

$5.72 $10.87

3632 Machine Shop

$3.56 $6.76

3724 Garage Door Installation

$3.73 $7.09

3821 Salvage Yard

$7.70 $14.63

5022 Masonry

$12.02 $22.84

5102 Door & Window Installation

$6.97 $13.24

5183 Plumbing

$3.93 $7.47

5190 Electrical Wiring

$3.53 $6.71

5221 Concrete Construction

$7.62 $14.48

5348 Tile Installation

$4.32 $8.21

5437 Carpentry/Trim

$7.30 $13.87

5474 Painting

$8.21 n/a

5478 Flooring

$15.60 $6.31

5537 HVAC Installation & Repair

$8.14 $15.47

5645 Carpentry Noc. Residential Construction

$11.70 $22.23

7605 Alarm Installation

$4.54 $2.39

8006 Gas Station

$3.47 $6.59

8017 Retail Store

$1.64 $3.12

8380 Auto Shop

$6.46 $3.40

8742 Outside Sales Person

$0.44 $0.84

8810 Clerical

$0.37 $0.70

88110 Clerical - NOC

$0.33 $0.63

8832 Doctors Office

$1.14 $0.60

8835 Home Health Care

$2.94 $5.59

8842 Group Homes

$3.93 $7.47

9012 Building Operations By Owner

$0.88 $1.67

9014 Janitorial Cleaning

$5.75 $10.93

9015 Building Operations By Contractor

$3.94 $7.49

9052 Hotel Employees

$2.87 $5.45

9082 Restaurant

$1.55 $2.95

9083 Restaurant Fast Food

$1.27 $2.41

9102 Lawn Care

$3.73 $7.09

9516 Electrical Equipment Service & Repair

$5.53 $10.50

Montana rates vary by workers comp 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.

Shop your MT Workers Comp Policy

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