MT SB176

Prohibits insurance companies, reinsurers, and financial service entities from discriminating against individuals or businesses based on firearms possession, manufacture, distribution, sale, or advocacy for firearms, ammunition, or accessories

Requires insurance and financial entities seeking to do business in Montana to submit a "certificate of nondiscrimination" to the Secretary of State certifying they will not discriminate based on firearms-related activities

Establishes penalties of up to $5,000 per violation, with each day of ongoing violation counting as a separate offense, enforceable by the attorney general or county attorneys through district court

Creates a private right of action allowing injured persons to sue for injunctive relief, compensatory damages, punitive damages, court costs, and attorney fees

Excludes employer-employee contracts and workplace policies from the nondiscrimination requirements