Montana commercial insurance rate filings (2026)
Every commercial-insurance carrier writing business in Montana files its loss costs and rating values with the state's insurance regulator — the primary-source records that drive every commercial quote in Montana. This page summarizes the 1 active filings we track for Montana across 1 line(s) of business and 1 classification(s).
How Workers' Comp rates are set in Montana
Montana runs a private + state fund Workers' Comp market. Rate filings are reviewed by the Montana Commissioner of Securities and Insurance, Office of the Montana State Auditor. The governing authority is Montana Code Annotated Title 33 (Insurance and Insurance Companies). You can confirm any Montana carrier or agent is licensed with the state's license-lookup tool. We track 1 distinct classification(s) for Montana across 1 active filing(s). Workers' Comp loss costs are filed by NCCI in most states or by an independent state rating bureau; your actual premium is that filed loss cost multiplied by your carrier's loss-cost multiplier (LCM), your experience modifier, and your payroll divided by $100 — so two Montana businesses in the same classification can pay very different rates. Comparing quotes from multiple carriers is the only way to see how those multipliers differ for your specific operation.
The lines represented are Workers Compensation. The most-recent Montana filing we track is effective July 2025. Every row below links to its SERFF tracking number so the Montana regulator record can be verified.
Workers' Compensation covers medical bills and lost wages for Montana employees injured on the job — mandatory in Montana once you have staff.
In Montana, Commercial General Liability carriers earned about $313M in premiums at a 29.5% loss ratio and a 31.1% underwriting profit (NAIC 2023). In Montana, Workers Compensation carriers earned about $309M in premiums at a 52.8% loss ratio and a 5.4% underwriting profit (NAIC 2023). In Montana, Commercial Multiple Peril carriers earned about $281M in premiums at a 44% loss ratio and a 10.6% underwriting profit (NAIC 2023). In Montana, Commercial Auto carriers earned about $162M in premiums at a 51.1% loss ratio and a 14.6% underwriting profit (NAIC 2023). In Montana, Inland Marine carriers earned about $134M in premiums at a 34.5% loss ratio and a 30.5% underwriting profit (NAIC 2023). In Montana, Commercial Property carriers earned about $66M in premiums at a 31.7% loss ratio and a 38.6% underwriting profit (NAIC 2023). In Montana, Medical Professional Liability carriers earned about $41M in premiums at a 76.1% loss ratio and a -32.1% underwriting profit (NAIC 2023). In Montana, Product Liability carriers earned about $17M in premiums at a 27.8% loss ratio and a 30.6% underwriting profit (NAIC 2023). These market-level results come from the NAIC Report on Profitability by Line by State — a primary-source view of how each commercial line actually performs in Montana, beyond the filed loss costs above.
- Montana rate filings are public, primary-source records; every figure here traces to a SERFF tracking number you can verify with the state regulator.
- Your actual Montana premium depends on your class code, carrier loss-cost multiplier, experience modifier, and payroll — the filed loss cost is only the starting point.
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 commercial operations, with the real SERFF tracking number for each.
| Line | State | Overall change | Effective | SERFF tracking |
|---|---|---|---|---|
| WC | MT | Overall 0.0% advisory loss cost (amended from +0.5%) | Jul 1, 2025 | NCCI-134393040 |
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.
Get a real Montana quote
Bureau-filed loss-cost changes are the regulator-approved starting point — actual premium depends on your class code, payroll, experience modifier, schedule credits/debits, and the carrier's LCM. Request a free Montana quote in under 90 seconds.
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Montana-specific cost guides for the verticals we cover:
Montana insurance profitability by line (2023 NAIC)
How profitable each commercial line runs in Montana — loss ratio (incurred losses ÷ premiums earned); lower is more profitable for carriers:
Source: NAIC 2023 Report on Profitability by Line by State · compare every line & state →