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Technology Business Insurance in Montana

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What are the insurance requirements for technology businesses in Montana?

State laws can affect which policies you need for your technology business. These policies are required for Montana businesses.
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Workers' compensation insurance

Montana state law requires technology businesses that have employees to carry workers’ compensation insurance. This applies to all full-time, part-time, seasonal, or occasional employees. This policy covers medical bills for work injuries and illnesses.

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Commercial auto insurance

Vehicles owned by technology businesses in Montana must be covered by commercial auto insurance. Montana requires a minimum of $20,000 property damage liability per accident, $50,000 bodily injury liability per accident, and $25,000 bodily injury liability per person.

Though it's not required, personal vehicles driven for work purposes should be covered by hired and non-owned auto insurance, as personal auto policies usually exclude business use. It can be added to general liability insurance or a business owner's policy.

How much does business insurance cost for technology professionals?

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Commercial insurance can be affordable for a small Montana tech company. Factors that influence the cost include:

  • Your industry and risk
  • Coverage limits
  • Location
  • Number of employees

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We specialize in business insurance for Montana IT and technology professionals

Our agents are experts in insurance for Montana technology businesses. They can help you find policies that fit your company and fulfill state requirements. In Montana, insurance agents, agencies, and brokers are licensed by the Montana Office of the Commissioner of Securities & Insurance.

Techinsurance is licensed in Montana as BIN Insurance Holdings LLC (NPN 15752926) for property and casualty insurance and for surplus lines (license number 730298). Verify our licensure with the National Association of Insurance Commissioners: select Montana, licensee, business entity, and then enter our NPN or license number.

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