The top-rated commercial insurance agent in Kalispell, Montana is Flathead Insurance- Kalispell Montana Insurance, rated 4.9 stars across 282 reviews. Other highly rated options include TJ Wendt - State Farm Insurance Agent, Grachek Insurance, Tamarack Insurance. This directory lists 20 commercial insurance agents serving Kalispell.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Flathead Insurance- Kalispell Montana Insurance | 2330 U.S. Hwy 2 E | (406) 752-8000 |
| 2 | TJ Wendt - State Farm Insurance Agent | 2129 US-2 | (406) 752-9300 |
| 3 | Grachek Insurance | 1147 S Main St | (406) 755-4000 |
| 4 | Tamarack Insurance | 185 Commons Loop Suite C | (406) 270-2463 |
| 5 | Bailey Insurance Services | 4 Meridian Ct | (406) 752-7676 |
| 6 | Farmers Insurance - Shaine Reece | 575 Sunset Blvd Suite 102 | (406) 752-9100 |
| 7 | Montana First Insurance, Inc. | 1088 N Meridian Rd | (406) 755-0719 |
| 8 | Paradox Insurance Agency | 1205 S Main St | (406) 451-0180 |
| 9 | Hebert Insurance Agency - Marlene Hebert | 114 1st Ave W | (406) 755-6453 |
| 10 | Marsh McLennan Agency | 165 Timberwolf Pkwy | (406) 758-4200 |
Flathead Insurance serves the Kalispell, Montana metro area as a commercial insurance agent. It helps local businesses obtain coverage that addresses their operational risks and liability exposures. Standard offerings include general liability policies and property insurance to protect physical assets. The agency also facilitates workers' compensation programs required for many area employers. It assists with policies tailored to commercial auto fleets and professional liability needs.
TJ Wendt - State Farm Insurance Agent in Kalispell, MT, provides a full range of commercial insurance services, including liability, property, and workers' compensation coverage. It offers tailored maintenance plans to help local businesses review and update their policies periodically, ensuring protection remains aligned with evolving operational needs. Common service adjustments accommodate seasonal business shifts or equipment additions. The agency services single-family homes, apartment complexes, retail stores, and restaurants throughout the Flathead Valley area.
Located in Kalispell, Montana, Grachek Insurance serves local businesses, property managers, and commercial property owners by helping them secure appropriate commercial insurance policies. It assists clients with essential coverage options tailored to the unique risks faced by regional enterprises, including general liability and property protection. The agency works to match each business with suitable plans from its network of carriers. Its services also extend to neighboring communities such as Whitefish and Columbia Falls within the Flathead Valley.
Tamarack Insurance serves Kalispell, Montana, and the surrounding Flathead Valley communities. It handles commercial insurance for local businesses, providing coverage for property, liability, and workers' compensation needs. The agency works with clients in sectors like retail, construction, and professional services. For a typical job, it begins by reviewing the specific risks a business faces, then compares policies from multiple carriers to build a tailored package that addresses those exposures.
Bailey Insurance Services serves businesses in Kalispell, MT by offering both one-time policies for single projects or events and recurring annual coverage for ongoing operations. Their commercial insurance plans typically help protect a company’s assets, liability exposures, and property from unforeseen losses. Coverage options may include general liability, property, and workers compensation, tailored to various industries. Service appointments occur on an as-needed basis for quotes or claims, with policy renewals and adjustments handled on a scheduled, annual cycle.
As a commercial insurance agent in Kalispell, MT, Farmers Insurance - Shaine Reece provides specialty coverage tailored to local businesses, including liability protection and property insurance for various industries. Its general services include policy review, risk assessment, and claims assistance to help area operations remain stable. With the Flathead Valley’s fluctuating tourism and seasonal construction cycles, the agency specifically assists with adjusting coverage for off-season lulls or peak-season influxes.
In winter, heavy snow loads and ice dams frequently challenge Kalispell commercial properties, making adequate coverage essential. Montana First Insurance, Inc., operating locally in Kalispell, acts as a dedicated commercial insurance agent addressing these regional risks. They evaluate each business’s unique exposure to liability, property damage, and business interruption. Drawing on general best practices for Montana’s commercial sector, they present tailored policy options for retail, office, and service industries. Every new account begins with a thorough on-site inspection of the premises and operations to establish accurate baseline risk factors.
Paradox Insurance Agency provides commercial insurance coverage for businesses in the Kalispell area, specializing in liability protection and property policies tailored to local operations. The agency works with business owners to assess risk and secure appropriate coverage limits that meet industry standards and regional requirements. Their services include options for business interruption insurance and customized general liability packages. Commercial sectors served include office spaces, warehouses, and food service establishments, each of which requires distinct policy considerations for daily operations and regulatory compliance.
Marsh McLennan Agency works with businesses in Kalispell, Montana, to secure commercial insurance coverage, protecting assets and managing risk. Specializing in commercial insurance, the agency assists clients with tailored policies that address general liability, property damage, and worker protection. It helps companies navigate coverage needs specific to local regulations and industry standards. The agency can serve a range of commercial sectors, including offices, warehouses, and food service establishments.
What Does a a Commercial Insurance Agent in Kalispell Cost?
Commercial insurance costs in Kalispell vary by business type size and location. A small retail shop might pay 500 to 1500 dollars per year for general liability. A construction contractor could pay 3000 to 8000 dollars annually for a package policy. Workers compensation rates in Montana are set by the state and depend on payroll and industry class codes. This is general information not insurance advice.
About commercial insurance agents in Kalispell
Kalispell businesses need commercial insurance to protect against risks unique to Montana. A local agent can help you navigate Montana state requirements such as workers compensation insurance for employers with one or more employees. They also assist with general liability and commercial property policies tailored to Flathead Valley operations.
Frequently Asked Questions
What types of commercial insurance do Kalispell businesses need?
Common coverages include general liability commercial property workers compensation and commercial auto. Montana law requires workers comp for most employers. An agent can help you choose based on your industry and location.
How does Montana law affect commercial insurance in Kalispell?
Montana follows a modified comparative fault rule for liability claims. This means your policy limits may affect how damages are shared. Also Montana has specific requirements for commercial auto insurance minimums and workers compensation coverage.
Can a Kalispell commercial insurance agent help with risk management?
Yes agents often provide risk assessments and loss control advice. They can recommend safety programs and policy endorsements that reduce your exposure. This is especially useful for construction and tourism businesses in the Flathead Valley.
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