Our Mission and Vision


Montana State Fund is Montana's insurance carrier of choice and industry leader in service.


Montana State Fund is committed to the health and economic prosperity of Montana through superior service, leadership, and caring individuals working in an environment of teamwork, creativity and trust.

Guiding Principles

Integrity and Ethical Conduct

In the course of providing superior service to our policyholders, their injured employees and insurance producers, we conduct ourselves ethically and with honesty, consistency and transparency.

Customer Focus

Enhance and maintain a partnership with stakeholders in the true spirit of cooperation and collaboration. Enter into strategic partnerships where appropriate to enhance the service and products we provide our customers. Educate stakeholders on the economic and human impacts of the Montana workers' compensation system.

Financial Strength

Set adequate rate levels to maintain financial strength and stability. Operate to ensure long-term viability and financial solvency.

Offer Quality and Competitive Insurance Products

Deliver high-quality products to Montana businesses at the lowest possible cost consistent with sound insurance principles. Foster and support a competitive insurance market in Montana. Function like a private insurer, offering a competitively priced product based upon actuarially sound rates while still fulfilling our role as the guaranteed market.

Employee Growth and Development

Provide a performance-driven culture that is conducive to the growth and development of our employees. Promote a customer-focused, team-oriented, high-performance environment that empowers, challenges and rewards our employees.

Continuous Improvement

Dedicate ourselves to identify and implement new and better ways to efficiently and effectively operate and improve customer service.

Core Competencies

Customer Service

Defining "customer" broadly to include both external and internal recipients of services. Seeing things through the eyes of customers and demonstrating total commitment to fully satisfying their needs.


Being self-directed and independent in getting things done. Looking for and acting upon things that will improve and constantly striving for new and better ways to drive the business.


Taking personal responsibility for own actions and consequences. Demonstrating tenacity and focus in the pursuit of goals, and showing a propensity to "rise to the occasion" when commitments are made or difficulties are experienced. Aligning one's own behavior with the needs, priorities and goals of the organization. Supporting others both inside and outside the work group, and putting organizational mission before personal gain.


  • Communication
  • Leadership
  • Job Knowledge
  • Teamwork
  • Concern for Quality
  • Decision Making
  • Planning and Organization