Can I use my home state’s workers’ compensation policy on a Montana construction job? 

No. Montana’s workers’ compensation law does not accept another state’s coverage in the construction industry. You need a Montana-specific policy before work begins. Out-of-state contractors can apply for a bid-only credential, then upgrade it once Montana coverage is in place. 

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.