Montana Drywall Workers Comp Rates (2026)
Montana does not publish its drywall class figures online. Across the 25 states that do, the median typical premium is about $4.08 per $100 of payroll. Ask a carrier or the state's rating bureau for the current Montana figure.
No official Montana figure is available online, so the numbers below use the US median of the states that publish one.
Montana class code for drywall
- 5445: Wallboard Installation - Within Buildings & Drivers
- 5480 (Plastering NOC & Drivers)
- 5491 (Paperhanging & Drivers)
Drywall work carries lifting injuries from heavy sheets, dust exposure, and ladder and scaffold falls on high walls and ceilings.
What comp costs per drywall installer in Montana
The Bureau of Labor Statistics counts 170 drywall and ceiling tile installers on payrolls in Montana (May 2025), the 43rd largest workforce of the 49 states with published figures. The median wage is $28.92 an hour, 2% above the US median of $28.33.
This trade is a smaller part of the Montana job market than it is nationally: drywall and ceiling tile installers hold 0.63 times their national share of jobs there.
At the US median of $4.08 per $100 of payroll (Montana does not publish its figure online), comp on one worker at that wage costs about $1.18 for every hour worked, or $2,454 a year full time. A 3-person crew comes to roughly $7,363 a year in premium before any experience mod.
Because premium is charged on payroll, who you hire moves the bill. Montana pay runs from $22.05 an hour at the 10th percentile to $38.10 at the 90th, so the same rate costs $0.90 an hour on a new hire and $1.55 on a senior hand.
Workers comp requirements in Montana
- Coverage required: 1 employee; out-of-state policies are not accepted for construction work
- Owners and sole proprietors: Excluded by default; construction independent contractors need an Exemption Certificate (ICEC)
- State fund: Competitive state fund (Montana State Fund)
- Waiting period: 4 days (or 32 work hours); retroactive if disability lasts more than 21 days
- Penalty for going without: Double the premium owed (minimum $200), up to $1,000 plus $100 per day, escalating to $50,000
Montana does not accept out-of-state workers comp policies for construction work performed in the state.
Montana vs neighboring states
- Idaho: about $4.25 per $100 of payroll
- North Dakota: about $2.70 per $100 of payroll
- Wyoming: about $2.39 per $100 of payroll
Montana does not publish its figure, so the first row is the US median. Among neighbors that publish, Wyoming is the cheapest for drywall comp at about $2.39 and Idaho the most expensive at about $4.25 per $100 of payroll.
Working across the line into North Dakota or Wyoming needs separate coverage from that state's fund. A private policy's other-states coverage (item 3.C) does not reach monopolistic states.
What moves a drywall comp bill
- Drywall hangers and tapers usually share one class. Stilt and scaffold falls and lifting injuries are the claims to manage.
- Piece-rate pay is common in drywall. Comp is still charged on the full amount paid, so piece-rate crews do not lower premium.
- Drywall subs without their own coverage are the largest audit risk in this trade. Collect certificates before the first board goes up.
- If you also frame or do acoustic ceilings, those can be separate classes. Record payroll for each kind of work.