How much does machine shop insurance cost in Montana? (2026)

Recent rate-filing activity — 1 state filings across 1 commercial line

Commercial carriers can't charge whatever they want — each state's Department of Insurance must approve loss-cost filings before they take effect. These are primary-source, government-held records available on SERFF Filing Access. Cited below: the most-recent active filings affecting machine shop operations, each cited to the regulator or bureau filing it came from.

Source: SERFF Filing Access (filingaccess.serff.com) — the official public-records interface for state Department of Insurance filings. Loss-cost changes shown are the overall bureau-wide change in each state; the actual impact on your quote depends on your class code, payroll, experience modifier, and carrier-specific loss-cost multiplier (LCM). Get a quote for your exact numbers.

National context — Machine Shop insurance overview

A machine shop's defining exposure leaves the building: the parts you make. Products–completed operations — usually the most important part of a machine shop's general liability — answers a claim when a part you machined fails and causes injury or damage. Professional liability is the distinct companion: it responds when a part fails to perform as specified (a tolerance or spec miss) rather than causing bodily harm. Our own quote data shows machine-shop buyers requesting general liability, a BOP and professional liability together — a mix that matches custom-part work to customer prints.

As an industry-typical estimate, a machine shop commonly carries general liability with products-completed operations plus a BOP for the equipment and building, and often professional liability for spec work. No insurance bureau publishes machine-shop premiums, so every dollar here is an estimate; each fact is sourced to a named authority (IRMI, III). Use the calculator below, then get a real quote in 5 minutes.

Industry-typical market ranges (national)

Sourced from III, NCCI, ISO, NAIC, BLS, FMCSA, FDA, NRA — government and bureau publications, not from our quote form

Coverage lines a machine shop typically carries (industry-typical estimates):

• Products–completed operations: a part you machined that fails in the field and causes injury or damage — the trade-defining line. IRMI products-completed operations.
• Professional liability: a part that fails to perform as specified (a spec or tolerance miss) — distinct from bodily-injury product claims. IRMI professional liability.
• General liability: third-party injury and property damage on the shop floor, incl. visitors and delivery drivers. III commercial general liability.
• Workers' compensation: mandatory for a shop-floor workforce in nearly every state. III workers comp.

Tolerances quoted, customer contracts (additional-insured wording) and payroll are primary rating factors.

For Montana-specific direction, see the filed-rate table above.

Get your actual Montana quote in 5 minutes

The data above is regulator-filed direction. Your actual Montana quote depends on class code, payroll, experience modifier, and the LCM each carrier files.

More Montana rate-filing detail

• All Montana commercial rate filings (every line, every recent filing) — the broader rate-data view for Montana
• Rate filings by state — directory of all 47+ states with active filings
• National Rate Change Tracker — every filing across every state, sortable

Get a real Montana quote for machine shop

The data above shows the regulator-filed direction for Montana. For your actual quote — based on payroll, experience modifier, and the LCM each carrier files — request a free quote in under 90 seconds.

Related guides

• General Liability glossary entry
• Class Code glossary entry
• Our sourcing methodology

Sources cited (national context above)

1. Products-Completed Operations — International Risk Management Institute (IRMI), 2024
2. Professional Liability Insurance — International Risk Management Institute (IRMI), 2024
3. Commercial General Liability Insurance — Insurance Information Institute (III), 2024
4. Workers Compensation Insurance — Insurance Information Institute (III), 2024