While not mandated by federal law, many states and municipalities require businesses to carry this insurance coverage as a condition of obtaining specific licenses or permits. Clients may also require you to have this before you bid on a job.

Brokers represent you, not the insurance companies. We work with multiple insurers, which means we can shop around to find the best rates and coverage options for your unique situation.

Getting a quote is easy! You can fill out our online form on this page, give us a call on 406 401 7220, or send us an email. We’ll review your needs and get back to you quickly with options tailored to you.

This varies, but in many cases, we can get you covered the same day you apply. We’ll let you know the expected timeline based on the type of insurance and carrier.

The amount depends on factors such as the type and size of your business, number of employees, and the type of customers you typically work with. However, many small businesses opt for the standard $1 million per occurrence and $2 million aggregate policy.

Not at a federal level, but if there is a construction loan, more than likely the lender will require builders risk insurance to protect their financial interest. A builder or general contractor should always take out a builders risk for a client project.

The policy should be put in effect when framing starts for the foundations.

• • Bodily injury

  • Property damage

  • Advertising injury, including libel or slander

  • Copyright infringement

  • Product liability

Yes! We offer business insurance for various industries and all business sizes. Policy types include general liability, workers’ compensation, commercial auto, and more. We’ll customize policies to meet your business’s unique needs.

It’s a good idea to review your policies at annually at a minimum or whenever you have major life or business changes. We’re here to help ensure your coverage always meets your needs.

Absolutely. Insurance needs can change over time, and we’re here to help you adjust your policies so that you always have the right coverage in place. Reach out to our team for assistance.

Yes! We are based in Whitefish and can offer insurance solutions across the entire state.