Why Contractors in Montana Should Consider Umbrella Insurance
Operating a contracting business in Montana comes with unique risks—harsh weather, remote job sites, and the sheer unpredictability of large-scale projects can make liability a constant concern. While most contractors carry general liability and commercial auto insurance, these policies have limits. That’s where umbrella insurance steps in.
What Is Umbrella Insurance?
Umbrella insurance is a type of liability coverage that goes beyond the limits of your existing policies. If you’re sued for damages that exceed the liability limits of your general liability, commercial auto, or workers’ compensation policies, umbrella insurance can cover the additional costs—legal fees, medical expenses, and settlement payouts.
Why It Matters for Montana Contractors
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High-Risk Environment – Construction and contracting work often involve heavy machinery, elevated workspaces, and multiple subcontractors. One major accident could result in claims that exceed standard policy limits.
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Litigation Costs – Legal fees can add up quickly. Even if you’re not at fault, defending yourself in court can be expensive.
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Protecting Your Business & Assets – Without umbrella coverage, a large claim could put your business, personal assets, or both at risk. In Montana, where many contractors own their businesses outright, this added protection can be a financial lifesaver.
What Does It Cover?
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Third-party bodily injury and property damage
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Legal defense costs
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Libel, slander, or reputational harm (in some cases)
Final Thoughts
Montana’s open spaces and booming development offer great opportunities for contractors—but also big liabilities. Umbrella insurance is a smart, affordable way to safeguard your business against the unexpected. It’s not just about being covered—it’s about being protected, no matter what comes your way.
Need Help?
If you’re a Montana contractor looking to add umbrella insurance to your policy portfolio, talk to a licensed local agent who understands the unique challenges of working in Big Sky Country.
