Backen Insurance Agency

Some great news for our Montana business owners! 👷‍♀️✨

I’m so happy to share that we’ve just received news of a rate revision for workers' compensation here in Montana, taking effect July 1st. This means lower premiums for many of our local businesses!

I know how hard you all work, and I believe my job as your agent is to do more than just manage a policy—it's to be a true steward of your business. I’m currently going through my clients' accounts to make sure everyone who qualifies for these new, lower rates is set up to see those savings the moment they go into effect.

I’m so excited to be able to pass these savings on to you! If you’re a local business owner and have questions about what this means for your specific coverage, send me a DM or give the office a call. I’d love to chat and make sure we’re keeping more of your hard-earned money in your pocket where it belongs.

Building a legacy is hard work—protecting it is a gift.

Whether you’re a young family looking for peace of mind or a business owner securing your "Key Man" protection, I’m here to help make the process simple.

My commitment to you:
✅ 15-minute applications
✅ Often no medical exams required
✅ Professional, no-pressure guidance

I’m licensed in MT & ID and ready to help you ensure your dreams and legacies carry on.

Ready to get started?
Give us a call at 406.293.5748, or comment "Review" below, and I’ll reach out to you directly to get the conversation started. Let’s make sure your foundation is secure.

I don't know who needs to hear this, but...

Getting life insurance is much easier than most people think. ☕️

It’s the ultimate way to secure your family’s future, and I’ve streamlined the process to be as low-stress as possible. We’re talking 15 minutes to apply, zero medical exams in many cases, and instant peace of mind.

If you’re a business owner or a parent in MT or ID, let’s get this off your to-do list. DM me—I’m here to help you get it done correctly, with no pressure.

Let’s get real about your business insurance for a second.

If you’re a contractor or small business owner, you’ve probably heard the term BOP—or Business Owner’s Policy—thrown around. It sounds like just another acronym, but think of a BOP as the "Swiss Army Knife" of your business protection. It bundles the essentials into one package, which usually keeps things cleaner and more affordable than buying coverage piece by piece. 🛠️

What’s usually inside the bundle?

General Liability: This is your bread and butter. If someone gets hurt on a job site or you accidentally damage property, this is the layer that helps keep your business from taking the hit.

Commercial Property: This covers the stuff you own—like your tools, equipment, and office gear—if they’re stolen or damaged by things like fire or weather.

Business Interruption: This is the sleeper feature that people often forget about. If a covered event forces you to shut down temporarily, this can help cover your lost income and fixed expenses while you get back on your feet.

Why I love this for you:
My goal isn't to over-insure you with things you don't need; it’s to make sure you have the right foundation so you can stop worrying about what ifs and focus on the work in front of you. I prefer a stewardship and no-pressure approach, so you can always just stop by the office if you want to chat over coffee instead of emailing back and forth.

Quick question: Have you ever looked at your policy and wondered, Wait, does this actually cover my tools? If you’re not sure, send me a DM! I’m happy to take a look for you—no pressure, just answers.