Montana contractors insurance

Licensing & registration in Montana

Contractor licensing in Montana is handled at the state and/or local level and can vary by trade and project size — contractor registration is common, especially once you have employees, and certain trades carry their own licensing. Verify the current requirement with your state licensing board (and the city or county where you work) before bidding.

Many licensing bodies require a license or registration bond, which guarantees something to the public and is distinct from liability insurance. Requirements vary by jurisdiction and trade, so confirm what applies before you start.

Coverages Montana contractors carry

• •General liability — generally intended to respond to third-party injury and property damage from your work, including completed-operations claims that surface after a job.
• •Workers’ compensation — required in most states once you have employees, and commonly required of subs by the GCs who hire them.
• •License / registration bond — a guarantee to the public required by many licensing bodies; distinct from your liability insurance.
• •Tools & equipment (inland marine) — optional coverage generally intended to address loss or damage to your own gear.
• •Commercial auto — for work trucks and vans; personal auto typically excludes business use.

Who needs it in Montana

Common Montana users include home builders and remodelers, roofers, electricians, plumbers, HVAC, and excavation contractors across Billings, Missoula, and Bozeman.