What insurance do Montana contractors need? 

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. 

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.