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Commercial Lines

Commercial Lines

We take pride in our carrier partnerships. As a Managing General Agency, we continue to explore the marketplace...

Big Sky Underwriters' Commercial Lines Department provides customized and innovative product solutions for a broad range of commercial customers. We represent both Admitted and Non-Admitted Carriers that provide diverse products. Our Underwriters offer a high level of expertise and are here to assist you in placing the complex, large and difficult accounts.

We take pride in our carrier partnerships. As a Managing General Agency, we continue to explore the marketplace so we have the best carriers and products for our agents. Our office has the ability to offer coverage in all 50 states for most products.

Product Features

  • Admitted & Non-admitted Markets
  • Online Quoting (over 300 classes available)
  • Carrier AM Best Rating of A- or higher
  • Brokerage Markets Available
  • Ability to write in all 50 states.
  • Niche business or products
  • Direct Bill with Admitted Carriers

Product Availability

  • We can write in all 50 states!
  • Montana
  • Idaho
  • Wyoming
  • Oregon
  • Washington
  • North Dakota
  • Colorado

How do I go about getting a new business quote?

Send a complete ACORD Application & Supplementals to Your underwriter will then contact you if any additional information is needed to provide the quote.

Who do I talk to about Capitol Direct Bill account issues?

For any billing questions regarding Capitol Indemnity Direct Bill please contact Capitol directly at (888) 541-0481.

If an additional/return premium endorsement or cancellation is processed on a policy when should I expect to see the charge/refund?

The refund will be included in your agency settlement the following month. For example: If the cancellation was processed in March, the refund will show up on your April statement.

How do I dispute an audit if the insured feels it is inaccurate?

After receiving the audit and invoice, the insured has 30 days to provide a signed letter stating that the audit is incorrect and why. Corrected figures should also be provided at the time so that the audit can be revised.

Why am I receiving my policies via email rather than through the mail?

Big Sky Underwriters is "Going Green". Emailing policies is a great way to save paper and reduce waste. We have also found it is much faster way to get the policies to your office.

Will I receive the renewal quote for my upcoming renewal policy or will it renew automatically?

If the policy is written through Capitol Indemnity it will be renewed automatically, and you will not receive a quote. If it is written through any other company you will receive a renewal quote 45 days before the renewal date.

What must be provided to obtain a Replacement Cost property coverage quote?

In order for us to provide a Replacement Cost quote for any building we must have a completed property Acord Application including the age of the building, construction type, and year of updates to the electrical, plumbing, roof, and heating.

Are overlap children covered on Daycare policies?

Capitol Indemnity: Overlap children are covered as long as they are listed on the insured's license.

Can booth renters be added to a Beauty/Barber/Body master policy?

Yes, independent contractors or booth renters can be added to a Beauty/Barber/Body master policy. They do not, however, have to be listed on a master policy if they already have their own insurance policy.

How do I submit a claim?

Complete a claims Acord form and email to We will send an acknowledgement to you once we have received the claim.

How can I obtain a Certificate of Insurance?

Email a request for all Certificates to A certificate will be issued and signed out of our office within 24 hours.

Can we offer Assault or Battery Coverage?

Most carriers will offer a limited Assault or Battery coverage under both the General Liability and Liquor Liability Coverage Parts.

The coverage is very important, as most claims for bars and restaurants are driven from altercations. The coverage is available in most states. Contact your underwriter for more information.

Is Employment Practices Liability Insurance Coverage available?

The coverage is available in most states.

Do you have a carrier that will offer Excess & Umbrella over the General Liability and Liquor?

We do have carriers that will offer the Excess / Umbrella over the GL and Liquor.

What are the requirements for cooking areas?

The carriers will require:

  • Automatic Fire Extinguishing system
  • Hood and duct system and
  • a semi-annual contract for service and cleaning for both.

— Email the department at Email BSU

  • New business applications
  • Endorsements & Certificates
  • Renewals
  • Cancellations


The Department Phone Number is: 406.532.2160

Standard Acord Forms

  • 125 - Commercial Insurance Applicant Information Section
  • 140 - Property Section
  • 126 - Liability
  • 131 - Umbrella
  • 146 - Inland Marine
  • 160 - Business Owners


3 Year Loss History

Asset 1