Often not by general liability or commercial auto. Standard property coverage frequently stops at your premises. Inland marine insurance covers tools and mobile equipment in transit and at temporary sites. Check scheduling rules, theft limits, and unattended-vehicle restrictions before you assume you are covered.
FAQ_category: (HIDDEN) Industry FAQs
Fire is a covered cause of loss on most commercial property policies, but the language controls the outcome. Review wildfire, smoke, debris removal, ordinance or law, outdoor property, deductibles, and business income terms. Flood and earth movement are commonly excluded unless separately insured.
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.
Often general liability, workers’ compensation, commercial auto, inland marine, commercial property, builder’s risk, and umbrella. Montana ties contractor compliance to proof of workers’ compensation coverage. A statute effective January 1, 2026 requires a construction contractor license, and the state is transitioning registrations into that program.
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.