Do contractors in Montana need workers compensation insurance?

Workers comp from 1 employee; $1M liability common. In Montana, coverage rules are defined by Mont. Code §39-71. COIFort lets you require workers comp from every contractor and flags any certificate that does not include it.

What are the certificate of insurance requirements in Montana?

Montana requires workers comp for employers with 1+ employees; COI verification is standard on commercial work. Beyond state law, most commercial contracts in Montana require $1M+ general liability and additional insured endorsements — COIFort verifies every submitted certificate against your exact template.

How do I track contractor COIs automatically?

COIFort emails each contractor a secure upload link, verifies coverage types, limits and dates against your requirements, and reminds both sides before any certificate expires. No spreadsheets, no chasing.

Certificate of Insurance Requirements in Montana

Montana requires workers comp for employers with 1+ employees; COI verification is standard on commercial work.

What contractors in Montana must carry

Workers comp from 1 employee; $1M liability common.

Key facts about Montana COI compliance

Workers comp required from 1 employee
COI verification is standard on commercial work
Seasonal tourism vendors need annual re-verification

Typical requirements in Montana

General liability	$1M common
Workers compensation	Required from 1 employee
Additional insured	Per contract

Typical contract terms in Montana — always confirm with your legal counsel and insurer.

Statutory basis

Key references: Mont. Code §39-71. Note that contract requirements often exceed state law — most commercial agreements in Montana require $1M+ general liability and additional insured endorsements regardless of statute.

How COIFort keeps you compliant in Montana

You define the requirement template once — coverage types, minimum limits, additional insured. Every certificate a Montana-based vendor uploads is automatically verified against it, and renewal reminders fire before any expiration. Your certificate history is audit-ready 24/7.