About Us
Focused on the Inland Northwest, Payne Financial Group is a large, full service, independent insurance agency, specializing in personal insurance, business insurance, employee benefits and surety bonds. We understand the importance of risk management and asset protection. We start by covering the basics and then fine tune with additional layers protecting the niche or specialized needs you may have.
And while we are experts in what we do, we press ourselves with continuing education and training so that each day we can be the best for you, now and in the future as your insurance, benefits and bonding needs change and grow.
But as important as is our technical expertise, we at Payne Financial are teams of people, individuals with families and hobbies and communities. It is as people that we first meet you and listen to you, find out what you need and want from a professional advisor. It is as people and community members that we do the research and offer the advice to ensure that you and/or your business get the very best insurance protection at competitive, fair rates. It is as people that we strive every day to be the local employer of choice and a valued contributing member of our communities. As a company and as individuals, we take seriously our obligation - and our desire - to help make our communities better places to live, work and play.
And as we work with the best people locally, at PFG we also work with the best underwriters and carriers in the world to make sure we offer you the best protection package available at the most competitive rates.
Across the Inland Northwest, our people work to serve you and your people in person, on the phone and by e-mail. We have full-service offices in Billings, Bozeman, Butte, Great Falls, Helena, Kalispell and Missoula, Montana; Boise, Idaho and Spokane, Washington. We also travel a lot to meet with you, not just expert to client, but people to people.
About PFG
Many factors impact trends in insurance — the economy, state and federal regulations, technology and more. One of our top advisors covers the trends he’s seeing in commercial insurance. Download PDF. 
Insurance laws and issues change frequently. So may your insurance needs. Our electronic newsletter makes it easy to stay up to date on changes and how they may affect you. 
Commercial insurance is complicated, but the types of coverage fall into a few general categories. 
