In Montana, all employers with one or more employees are required to carry workers’ compensation insurance. This coverage can be obtained through the Montana State Fund, a private insurer, or by qualifying for self-insurance if the employer meets specific criteria. Sole proprietors and partners are automatically excluded from coverage but have the option to opt-in. Corporate officers and LLC members with a substantial ownership interest are also excluded but can elect to be covered. Montana’s system provides comprehensive benefits, including medical care, wage replacement, and rehabilitation services for injured workers. The Montana Department of Labor and Industry ensures compliance, with strict penalties for non-compliance to ensure that workers receive the necessary protections and benefits.