How much does General Contractor insurance cost in Billings, Montana?

The estimated annual cost for a General Contractor in Billings with one employee is between $1324 and $1948. The state base rate is $820.

What insurance is required for a General Contractor in Montana?

In Montana, businesses are subject to a 0.0% insurance tax. General Contractors typically need General Liability due to a risk factor of 1.9.

General Contractor Insurance Cost in Billings, Montana (2026 Guide)

Estimated Cost (2026)

Adjust based on your team size

Number of Employees1

Just me (1)Team (20)

$1324-$1948

Estimated Annual Premium

Monthly Average Breakdown

$130 / mo

Includes General Liability

Industry Risk Profile

General contractors oversee entire sites, assuming the cumulative risks of subcontractors, structural integrity, and job site safety.

Risk Factor1.9x

Location Factors

State Base Rate$820
Billings Multiplier1x
State Tax Rate0.0%

Local Compliance FAQ

Is General Liability required in Billings?

While Montana law may not mandate it for all businesses, General Contractors often need proof of insurance to bid on local commercial projects in Billings.

Why is the rate different here?

Your premium reflects Montana's specific base rate of $820 and a local city multiplier of 1x.

Compare General Contractor Insurance in Other Montana Cities

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How much does General Contractor Insurance cost in Billings?