Montana Insurance
Specializing in businesses and families.
Get an insurance quote or give us a call at 406-297-2351.
3 simple steps
to get insurance.
1. Quote
Provide basic information. We manage the complicated behind the scenes by putting in the work with the insurance companies to make your life easier.
2. Compare
Talk to an agent to find the best coverage. Receive a side-by-side comparison and a complete explanation of your coverages so you understand all your policies.
3. Bind
Get quoted & covered with great rates. Use online e-signatures and payments when purchasing insurance, getting the best coverage and best rates for your situation.
Our trusted partners.
We work with the nation’s largest, most reputable insurance companies.

24/7 access to everything you need.
Our state-of-the-art portal allows businesses to locate, purchase, and manage specialized insurance policies quickly. Weeks-long waiting periods and stacks of paperwork are officially obsolete.
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Reviews from Ashley Gullo Insurance Agency clients.
The best insurance agency, according to those who matter: Our Customers.
Explore insurance we offer individuals & families.
Top insurance to fit your business.
No business is the same, but many companies share common risks. These key commercial insurance policies can help protect your business from common accidents, lawsuits, and damages. We offer tailored policies to help protect your business from fast-moving risks.
General Liability
Provides coverage for third-party claims related to bodily injury, property damage, and advertising injuries. General Liability covers injuries occurring on your business premises or business activities that cause damage to someone else’s property.
HVAC Installation
HVAC installation involves significant risks. From lifting heavy units to dealing with complex electrical systems, the potential for accidents and damages is high. Trust Ashley Gullo Insurance Agency if you are an HVAC technician.
Electrician Insurance
If you are an electrician you play a critical role in ensuring the safety and functionality of electrical systems in homes and businesses. Getting insurance for your electrical business is a straightforward process, let us help you.
Construction Insurance
The construction industry is a diverse and vital sector that involves the building, renovation, and maintenance of structures, this results in unique risks. We take the time to understand your business and provide tailored insurance solutions.
Contractor’s tools and equipment
A specialized policy designed to protect the tools, machinery, and equipment that contractors rely on to perform their work. This insurance helps cover the cost of repairing or replacing your tools and equipment if they are lost, stolen, or damaged.
Professional Liability
Professional liability insurance, aka Errors & Omissions (E&O), can help cover legal expenses if your business is sued for a mistake, missed deadline, project scope disputes, negligence, or other risks associated with customer satisfaction.
Hardware Store Insurance
Running a hardware store involves managing various risks, from customer injuries to property damage. If you have a hardware store in Montana get in touch with us to get a quote.
Auto Services Insurance
This industry includes but is not limited to auto repair shops, mechanics, car detailing and wash services, auto body shops, car dealerships, gas stations, tire shops, and tow truck services.
Hair and Beauty Salon Insurance
Running a hair and beauty salon involves working with sharp tools, chemicals, and other equipment that can pose risks to both employees and customers. Insurance is crucial for salons.
Risk Management Specialists.
Risk Management
Household Bundles
Ensure all your assets and family are protected in the event of a loss, financial setback, death, or unforeseen event.
Water Well Drilling
HVAC Installers
Insurance for HVAC installers is crucial because it protects against unforeseen incidents that could otherwise result in substantial financial losses.
Electricians
Contractors
Local Protection, Trusted Coverage
With many years of experience, Ashley Gullo Insurance Agency delivers personalized insurance solutions exclusively to our clients. When it comes to protecting your assets and everything you’ve worked hard to earn, a one-size-fits-all approach is not going to cut it. Let us show you why Ashley Gullo Insurance Agency is coverage you can count on.
We offer you simple, professional insurance solutions with the support of a qualified and experienced team working on your behalf. Having access to multiple insurance companies gives us the ability to offer you a wide variety of coverage options that can be tailored to your needs and budget. We work for you.
Ashley Gullo Insurance Agency is in the top 10% of Farmers agencies and received the Toppers Club award, as well as the Elite Commercial Agent award.

Frequently Asked Insurance Questions
In most cases, Workers’ Compensation Insurance prevents employees from suing their employer for work-related injuries. This coverage is designed to provide benefits without the need for litigation. However, employees can still sue in cases of gross negligence or intentional harm by the employer.
The time frame for filing a Workers’ Compensation claim varies by state, but it typically ranges from 30 days to two years from the date of the injury. It’s important for employees to report injuries as soon as possible to ensure timely processing and receipt of benefits.
While a Commercial Package Policy provides broad coverage, it does not cover every risk. For example, it typically does not include workers’ compensation insurance, health and disability insurance, or professional liability insurance. Separate policies are needed to cover these specific areas.
Yes, one of the main advantages of a CPP is its flexibility. You can customize your policy to include only the coverages that are relevant to your business, ensuring you have tailored protection without paying for unnecessary coverage.
A BOP also bundles multiple coverages, but it is designed for smaller businesses with lower risk profiles. A CPP offers more flexibility and higher coverage limits, making it suitable for larger businesses or those with more complex risks.
Don’t see your question? Contact us.