All Montana businesses with one or more part-time or full-time employees must buy workers comp insurance.
Sole Props, Partners & LLC Members are automatically excluded from work comp coverage, but they can choose to be included on a policy.
Sole Proprietors & Partners who include themselves on a workers compensation policy must utilize a $18,800 payroll amount minimum and a maximum of $57,200 (accurate as of July 1, 2016)
Corporate Officers are automatically included on a work comp policy coverage, but they may choose to be excluded from workers comp coverage.
Corporate Officers & LLC Members who are included on a work comp policy must use a minimum payroll of $200 per week and a maximum payroll of $1,100 per week
Montana has several exemptions. Please consult with the Montana Department of Labor and Industry to learn if your Montana business is required to carry work comp coverage.