Do self-employed people need workers’ compensation in Montana? 

Some owners and independent contractors qualify for an exemption. Others may elect coverage. A person who regularly works away from their own fixed business location generally needs an Independent Contractor Exemption Certificate or elected coverage. Status depends on Montana law, not a 1099 or a contract. 

By Heather

Heather focuses on small business insurance at Gild Insurance Agency, writing clear, practical guidance that helps business owners understand coverage, manage risk, and protect their businesses.