Montana Restaurant businesses pay $114–$475/month.
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| Location | Est. Monthly Rate | Get Quote |
|---|---|---|
| Billings | $120–$499/mo | Compare → |
| Missoula | $120–$499/mo | Compare → |
| Great Falls | $108–$451/mo | Compare → |
| Bozeman | $131–$546/mo | Compare → |
| Butte | $103–$428/mo | Compare → |
| Yellowstone County | $120–$499/mo | Compare → |
| Missoula County | $120–$499/mo | Compare → |
| Gallatin County | $131–$546/mo | Compare → |
| Cascade County | $108–$451/mo | Compare → |
| Flathead County | $114–$475/mo | Compare → |
Restaurant businesses in Montana typically pay $114–$475/month for professional liability insurance (e&o). Rates vary by city, revenue, employee count, and claims history.
Montana doesn't legally mandate professional liability insurance (e&o) for most businesses, but commercial leases, client contracts, and licensing boards typically require proof of coverage.
Professional Liability Insurance (E&O) protects against claims that your professional advice or services caused a client financial harm. For Restaurant businesses, key covered scenarios include: Foodborne illness outbreak; Customer slip and fall; Employee burn or cut injury.
Top exposures: (1) Foodborne illness outbreak, (2) Customer slip and fall, (3) Employee burn or cut injury, (4) Liquor liability (if applicable).
Top carriers in Montana for Food & Beverage businesses: The Hartford, Travelers, Liberty Mutual, Nationwide, Coterie, Thimble, CNA, and Employers. Use ERGO Next to compare coverage options from top-rated commercial carriers.
Yes — most Restaurant policies can be quoted, bound, and issued same-day. Your Certificate of Insurance is available immediately after binding.
Rate estimates reflect 2026 industry data adjusted for Montana cost index. Content reviewed by My Digital Kube editorial team, licensed commercial insurance professionals.