---
title: "Business Insurance in Montana"
description: "36 state-specific insurance coverage guides, plus Montana Commissioner of Securities and Insurance contact and license lookup resources for Montana."
canonical: "https://spot.insure/coverage/states/montana"
page-type: "coverage-state-hub"
updated-at: "2026-09-29"
---

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# Business Insurance in Montana

## Insurance Regulator

**Montana Commissioner of Securities and Insurance.** The Commissioner of Securities and Insurance regulates Montana insurers and producers and acts as a consumer advocate. The office accepts written or online complaints about insurers and insurance professionals.[^1][^2][^3]

- [Regulator website](https://csimt.gov/insurance/)
- [License lookup](https://csimt.gov/insurance/licensing/)
- [File a complaint](https://csimt.gov/insurance-complaints-fraud/)
- Phone: 800-332-6148

## Surplus-Lines Tax and Stamping Office

**Reported tax rate:** 2.75% of total premium (0.75% for legal professional liability) + 2.50% fire tax on applicable fire premium + 0.175% SLIP+ transaction fee on total premium Montana requires an eligible surplus-lines insurer and a statutory placement path when it is the insured’s home state. Before placement, the producing producer must advise you that the insurer is unauthorized in Montana and is not subject to the same supervision as an authorized insurer, and that if the surplus-lines insurer becomes insolvent, Montana’s property-and-casualty guaranty fund will not pay losses under the surplus-lines coverage. Confirm the applicable placement route and tax and fee bases with the producer.[^4][^5][^7][^8]

## State Notes

**Montana surplus-lines placement routes:** When Montana is home state, §33-2-302 generally calls for an eligible insurer and evidence that the line or full amount is unavailable from authorized insurers (or, at renewal, has not become available). The evidence routes are a diligent search of at least three insurers actually writing that line in Montana (or the smaller actual market), the kind appearing on the current Approved Risk List, or natural-disaster multiperil coverage. The list names kinds and classes; it does not prove that a particular business or BOP qualifies. Section 302 separately waives search requirements for an authorized quote with a premium rate at least 10% above the eligible unauthorized quote, if commissioner-approved disclosure is provided; and for a qualifying exempt commercial purchaser (ECP), after disclosure that coverage may or may not be available from an authorized insurer that may provide greater protection with more regulatory oversight, followed by the purchaser’s later written request. Under §318, an ECP must employ or retain a qualified risk manager as defined in §319, have paid over $100,000 in nationwide commercial P&C premiums in the prior 12 months, and meet one additional §318(1)(c) criterion. Some financial thresholds adjust every five years.[^7][^8][^6][^10][^13][^14]

**Check the fire-tax allocation on a commercial package:** Section 33-2-311 generally requires the surplus-lines producer to collect and pay the tax when Montana is home state, subject to §33-2-323. For a single-state risk with Montana as home state, §33-2-323(4) requires submission to the Commissioner, who collects the tax. Ask the producer which filing and payment route applies. CSI’s July 2026 guide lists code 1005, Commercial Package (Property & Casualty), with a 50% presumptively reasonable allocation and a 1.25% effective fire-tax rate. Treat this as an example: verify the code and allocation used for the policy; do not assume every BOP is classified as code 1005. CSI’s current schedule sets annual tax due dates (quarterly tax payments are accepted) and separate quarterly SLIP+ transaction-fee deadlines.[^9][^12][^11][^15]

## Coverage Guides

- [General Liability Insurance in Montana](/coverage/general-liability/montana): Montana reduces damages when claimant fault does not exceed the fault of defendants and nonparties; a current three-year tort period is scheduled for a limited statutory update on October 1, 2026.
- [Directors and Officers (D&O) Insurance in Montana](/coverage/directors-officers/montana): Check Montana business-corporation indemnification standards, court relief, and insurance authority.
- [Technology E&O Insurance in Montana](/coverage/technology-errors-omissions/montana): Montana withholds punitive damages on a contract claim unless another statute allows them, and it voids a contract that excuses a party’s own fraud or willful injury.
- [Cyber Liability Insurance in Montana](/coverage/cyber/montana): Montana requires a copy of each required resident breach notice to go to the Attorney General’s Consumer Protection Office at the same time.
- [Media Liability in Montana](/coverage/media/montana): Montana’s media correction statutes connect written notice, format-matched corrections, and potential punitive damages; the state also sets a two-year libel and slander period.
- [Employment Practices Liability in Montana](/coverage/employment-practices/montana): Montana's wrongful-discharge statute ties claims to probation, written personnel policies, internal appeals, and a one-year filing period.
- [Fiduciary Liability Insurance in Montana](/coverage/fiduciary/montana): Review Montana retirement-program and payroll duties alongside the employer’s plan-sponsor responsibilities.
- [Montana’s minimum non-owner policy is not a business coverage quote](/coverage/hired-non-owned-auto/montana): Montana law defines owner and operator liability policies for financial responsibility; compare those minimum legal duties with the company’s actual HNOA wording and limits.
- [Professional Liability (E&O) Insurance in Montana](/coverage/professional-errors-omissions/montana): Compare Montana’s real-estate E&O limits by group, individual, or firm policy and review the state’s prior-acts and reporting-period rules.
- [Workers’ Compensation Insurance in Montana](/coverage/workers-compensation/montana): Montana employers must provide coverage through an authorized insurer or qualify for state-approved self-insurance.
- [Montana Business Owner’s Policy Guide](/coverage/business-owners-policy/montana): Compare Montana’s total-loss treatment for insured improvements on real property with its rule for specifically valued business property when setting BOP limits.
- [Montana Umbrella and Excess Liability Guide](/coverage/umbrella-excess/montana): Montana auto policies must provide $25,000/$50,000/$20,000, and punitive damages may not exceed the lesser of $10 million or 3 percent of net worth.
- [Montana medical malpractice insurance: match independent-practice rules and tail dates](/coverage/medical-malpractice/montana): Read the facility’s insurance rule before credentialing an independent clinician.
- [Representations and Warranties Insurance in Montana](/coverage/representations-warranties/montana): Check Montana contract claim deadlines against negotiated representation survival, policy notice dates, and any home-state surplus-lines tax.
- [Kidnap and Ransom Insurance in Montana](/coverage/kidnap-ransom/montana): See how Montana's surplus-lines tax and insurer insolvency rules can affect a K&R quote.
- [Crime insurance in Montana: coordinate bank transfer procedures and crime limits](/coverage/crime/montana): Review employee theft, checks, and payment-order risks in Montana by comparing bank-authentication agreements, immediate response steps, and policy notice terms.
- [Commercial Auto Insurance in Montana](/coverage/commercial-auto/montana): Montana requires continuing liability protection for registered vehicles operated here and defines a $25,000/$50,000/$20,000 policy floor with specific employee and property limits.
- [Cargo Insurance in Montana](/coverage/cargo-transit/montana): Montana’s current carrier classifications and older household-goods cargo rules do not align, so ask the PSC to identify the applicable filing.
- [Montana Liquor Liability: Claimant and Notice Limits](/coverage/liquor-liability/montana): Montana ties provider liability to narrow service exceptions, observable signs, claimant exclusions, and a 180-day notice deadline.
- [Key Person Insurance in Montana](/coverage/key-person/montana): Learn how Montana insurable-interest rules, employee consent, and life guaranty limits affect a business-owned key person policy.
- [Commercial Property Insurance in Montana](/coverage/commercial-property/montana): Compare Montana's documented flood, post-wildfire runoff, and wind damage with the property terms and limits in your quote.
- [Montana garage liability for motor vehicle dealers](/coverage/garage-liability/montana): Review Montana’s dealer-plate insurance scope, test-drive proof, and repair-loaner restrictions.
- [Montana inland marine insurance for shipments, consignments and jobsite equipment](/coverage/inland-marine/montana): Montana's statutory categories make the start, pause and end of a shipment especially important to a movable-property quote.
- [Montana Public Construction Bonds](/coverage/surety-bonds/montana): Check Montana public-work bond triggers, required amounts, acceptable security, and claim protections before you bid.
- [Builders risk in Montana](/coverage/builders-risk/montana): In Montana, local floodplain permits can reach stored materials, while a state wildfire assessment can make the home's immediate surroundings part of the project conversation.
- [Equipment Breakdown Insurance in Montana](/coverage/equipment-breakdown/montana): Montana requires boiler permits and risk-based inspections, with statutory exemptions for defined categories.
- [Montana Management Liability Insurance](/coverage/management-liability/montana): Compare Montana employment-law exposure and company indemnification duties with D&O and EPL policy terms.
- [Product Recall Insurance in Montana](/coverage/product-recall/montana): Understand Montana’s three recall-alert levels and how local store removal affects recall logistics and quote questions.
- [Montana Fidelity Bonds for Credit Unions](/coverage/fidelity-bonds/montana): Learn which Montana businesses must maintain fidelity bonds, how much coverage applies, and which employees or losses the bond must include.
- [Intellectual Property Insurance in Montana](/coverage/intellectual-property/montana): Learn how Montana law treats trade secrets and related intellectual-property claims, and what to ask before choosing coverage.
- [Montana contract-frustration coverage guide](/coverage/contract-frustration/montana): Montana’s contract code expressly addresses performance prevented by law or extraordinary causes, and separately describes what happens to consideration if full performance is excused.
- [Venture Capital Asset Protection Insurance in Montana](/coverage/venture-capital-asset-protection/montana): Check how Montana adviser rules and fund entity structure affect a venture capital manager’s insurance review.
- [Digital asset business insurance in Montana](/coverage/digital-assets/montana): Review Montana's digital-asset licensing and custody rules before comparing cover for exchanges, custodians, wallets, or kiosks.
- [Telehealth Insurance in Montana](/coverage/virtual-care-telehealth/montana): Montana requires physicians who treat state patients remotely to meet its licensure rules and maintains telemedicine-specific coverage protections.
- [Employee Health Benefits in Montana](/coverage/employee-health-benefits/montana): Montana added a state continuation route for eligible group-plan employees, with a 10-day employer notice deadline and extensions tied to disability or dependent life events.
- [Trucking Insurance in Montana](/coverage/trucking/montana): Compare Montana’s intrastate freight-carrier tiers with the federal minimum, including its small cargo-vehicle exception and endorsement filings.

State information is based on the cited sources. Confirm current requirements with the regulator and discuss your circumstances with a licensed insurance professional.

## Sources

[^1]: [Insurance](https://csimt.gov/insurance/) — Montana Commissioner of Securities and Insurance; Official insurance regulator page; describes CSI as regulator and consumer advocate.. Accessed 2026-09-28.
[^2]: [Producer, Adjuster & Consultant Licensing](https://csimt.gov/insurance/licensing/) — Montana Commissioner of Securities and Insurance; CSI page links to the state’s SBS Licensee Lookup and Company Lookup.. Accessed 2026-09-28.
[^3]: [Insurance Complaints & Fraud](https://csimt.gov/insurance-complaints-fraud/) — Montana Commissioner of Securities and Insurance; Official page accepts online or written complaints about companies, producers and others; consumer advocate lines 800-332-6148 / 406-444-2040.. Accessed 2026-09-28.
[^4]: [Surplus Lines](https://csimt.gov/insurance/surplus-lines/) — Montana Commissioner of Securities and Insurance; CSI page: from 2026, Montana-home-state transactions use SLIP+; 2025 and earlier use the legacy portal. States the 2.75% total-premium tax (0.75% for legal professional liability), 2.50% fire tax on applicable fire premium and 0.175% total-premium SLIP+ fee; links to current Approved Risk List and eligible-surplus-lines-company list.. Accessed 2026-09-29.
[^5]: [MCA §33-2-303: Filing and endorsement of contract -- submission form](https://mca.legmt.gov/bills/mca/title_0330/chapter_0020/part_0030/section_0030/0330-0020-0030-0030.html) — Montana Legislature / Montana Code Annotated; MCA 2025, §33-2-303(2)(b)(i)-(ii): before placement the producer affirms notice that the insurer is unauthorized and not under the same supervision, and that Montana’s P&C guaranty fund will not pay surplus-lines losses.. Accessed 2026-09-29.
[^6]: [MCA §33-2-301: Short title -- purpose -- definitions](https://mca.legmt.gov/bills/mca/title_0330/chapter_0020/part_0030/section_0010/0330-0020-0030-0010.html) — Montana Legislature / Montana Code Annotated 2025; §33-2-301(3)(c), (h), (n): defines Approved Risk List, eligible surplus-lines insurer and natural-disaster multiperil insurance; definition only, not operative placement test or list contents.. Accessed 2026-09-29.
[^7]: [MCA §33-2-302: Home state exclusive authority -- conditions precedent to sale of surplus lines insurance](https://mca.legmt.gov/bills/mca/title_0330/chapter_0020/part_0030/section_0020/0330-0020-0030-0020.html) — Montana Legislature / Montana Code Annotated 2025; §33-2-302(1)-(2)(a)-(c): Montana home-state scope; eligible-insurer and unavailability conditions; diligent search (three actual Montana writers or smaller market), current list, natural-disaster multiperil; 10% price and ECP no-search routes with required disclosure and written request.. Accessed 2026-09-29.
[^8]: [MCA §33-2-307: Requirements for eligible surplus lines insurers -- list of eligible surplus lines insurers](https://mca.legmt.gov/bills/mca/title_0330/chapter_0020/part_0030/section_0070/0330-0020-0030-0070.html) — Montana Legislature / Montana Code Annotated 2025; §33-2-307(1)-(4): eligibility conditions for US-domiciled and alien unauthorized insurers; commissioner publishes an eligible-insurer list at least semiannually. No carrier-specific conclusion drawn.. Accessed 2026-09-29.
[^9]: [MCA §33-2-311: Tax on surplus lines insurance](https://mca.legmt.gov/bills/mca/title_0330/chapter_0020/part_0030/section_0110/0330-0020-0030-0110.html) — Montana Legislature / Montana Code Annotated 2025; §33-2-311(1)-(2): when Montana is the insured’s home state, surplus-lines producer collects tax from insured and pays Commissioner; when Montana is not home state, Commissioner generally may not collect Montana tax/stamping fee, subject to cited statutory arrangement.. Accessed 2026-09-29.
[^10]: [Approved Risk List](https://csimt.gov/wp-content/uploads/2026/06/Final-Approve-Risk-List-2026-1.pdf) — Montana Surplus Lines Agents’ Association (current list linked from CSI Surplus Lines page); PDF header p.1: updated 2024-01-16, reviewed 2026-06-18. p.1 GL includes Contractors; pp.1-2 include Property and Builders Risk in Protection Class 9 & 10. The list names kinds/classes, not a blanket BOP or carrier guarantee.. Accessed 2026-09-29.
[^11]: [Montana Surplus Lines Premium and Fire Tax Payment and Transaction Fee Schedule](https://csimt.gov/wp-content/uploads/2026/02/Montana-Surplus-Lines-Premium-and-Fire-Tax-Payment-and-Transaction-Fee-Schedule.pdf) — Montana Commissioner of Securities and Insurance; February 2026 schedule p.1, lines 1-6: tax and fee rates/bases; lines 7-73: invoice and due-date schedule; lines 74-76: tax year 2025 and earlier legacy portal/OPTins.. Accessed 2026-09-29.
[^12]: [How Fire Tax is Calculated in Montana](https://csimt.gov/wp-content/uploads/2026/07/How-Fire-Tax-is-Calculated-in-Montana-V3.pdf) — Montana Commissioner of Securities and Insurance; July 2026 guide p.1, lines 1-4 and 10-15: 2.50% fire tax is allocated by coverage; code 1005 Commercial Package (Property & Casualty) has a 50% presumptively reasonable allocation and 1.25% effective rate. Example only; does not establish BOP classification.. Accessed 2026-09-29.
[^13]: [MCA §33-2-318: Exempt commercial purchaser defined](https://mca.legmt.gov/bills/mca/title_0330/chapter_0020/part_0030/section_0180/0330-0020-0030-0180.html) — Montana Legislature / Montana Code Annotated 2025; §33-2-318(1)(a)-(c), (2): qualified risk manager, >$100,000 prior-12-month aggregate nationwide commercial P&C premium, and at least one criterion; financial thresholds in (c)(i),(ii),(iv) adjust every five years.. Accessed 2026-09-29.
[^14]: [MCA §33-2-319: Qualified risk manager defined](https://mca.legmt.gov/bills/mca/title_0330/chapter_0020/part_0030/section_0190/0330-0020-0030-0190.html) — Montana Legislature / Montana Code Annotated 2025; §33-2-319(1)-(2): QRM role and alternative education, experience, designation or graduate-degree qualifications; ECP note cites the defined term without summarizing those alternatives.. Accessed 2026-09-29.
[^15]: [MCA 33-2-323: Authorization for agreements regarding multistate risks](https://mca.legmt.gov/bills/mca/title_0330/chapter_0020/part_0030/section_0230/0330-0020-0030-0230.html) — Montana Legislature; 2025 MCA, subsections (1)–(5); subsection (4) single-state transaction submission and Commissioner tax collection; no assertion that a multistate agreement is in effect. Accessed 2026-09-29.
[^16]: [Licenses](https://www.at-bay.com/licenses/) — At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
[^17]: [Licenses and Carriers](https://www.coalitioninc.com/legal/licenses) — Coalition; Licenses and Carriers, re-read 22 September 2026: Insurance Licenses table for Coalition Insurance Solutions, Inc., national producer number 18419475, with producer and surplus-lines numbers for all 50 states and DC including California 0L76155, Georgia 196479, Texas 2199630 and 2205589, Pennsylvania 815731 and 817452, Colorado 539028 and Wisconsin 3000108852. Insurance Carriers table naming, with NAIC numbers, Allianz Underwriters Insurance Company 36420, Arch Specialty Insurance Company 21199, Ascot Specialty Insurance Company 45055, Ascot Insurance Company 23752, Aspen Specialty Insurance Company 10717, Chaucer Insurance Company DAC, Coalition Insurance Company 29530, Fireman's Fund Indemnity Corporation 11380, Fortegra Specialty Insurance Company 16823, Lloyd's of London, MSIG Specialty Insurance USA Inc. 34886, MS Transverse Specialty Insurance Company 41807, Steadfast Insurance Company 26387, Vantage Risk Specialty Insurance Company 16275 and Zurich American Insurance Company 16535.. Accessed 2026-09-22.
[^18]: [Insurance Producer Licenses](https://www.corgi.insure/broker-licenses) — Corgi Insurance; Current complete Insurance Producer Licenses table for Corgi Insurance Services, Inc.; 50 rows covering 49 states and DC (DC 3003091619); no New Mexico row; no NPN or as-of date shown.. Accessed 2026-09-28.
[^19]: [About Hiscox US Insurance](https://www.hiscox.com/about-hiscox-insurance) — Hiscox; Hiscox Insurance Company Inc. NAIC 10200 as Chicago, IL domiciled insurer admitted or licensed in all 50 states and D.C.; Hiscox Inc. as general agent and Lloyd’s coverholder for Syndicates 33 and 3624; surplus-lines placements through licensed surplus-lines brokers; A.M. Best rating statement. Accessed 2026-09-16.
[^20]: [Licenses](https://www.nextinsurance.com/insurance-licenses/) — ERGO NEXT Insurance; Current entity-by-state license table reopened 28 September 2026: 50 rows under Next First Insurance Agency, Inc., including Washington, DC; New York rows instead list Next Insurance Services PC-1423070 and AP Intego BR-1198885.. Accessed 2026-09-28.
[^21]: [Insurance Licenses by State](https://www.techinsurance.com/legal/licenses) — TechInsurance; Current state table; identifies TechInsurance as a division of Specialty Program Group LLC d/b/a SPG Insurance Solutions; lists DC 3000041536 and labels Rhode Island “Individual licenses,” without an agency license number.. Accessed 2026-09-28.
[^22]: [Licenses](https://www.vouch.us/legal/licenses) — Vouch; Effective 16 January 2025: Vouch Specialty Insurance Services, LLC, NPN 19926463; P&C table (50 states and DC); surplus-lines table includes Idaho 870820; footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses; Idaho retained as producer-only due to conflict.. Accessed 2026-09-15.

Updated 2026-09-29.

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