Business Insurance in Wyoming

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Learn about Wyoming's insurance requirements

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Recommended insurance policies for small businesses in Wyoming

General liability insurance icon

General liability insurance

This type of business liability insurance is important for all Wisconsin businesses. It covers common third-party risks, and it's required by most commercial leases.

BEST FOR
  • Customer bodily injuries
  • Damaged customer property
  • Libel and other advertising injuries
Professional liability insurance icon

Professional liability insurance

This policy, also called errors and omissions insurance (E&O), protects Wyoming businesses that provide professional services or advice. It covers lawsuits related to work performance.

BEST FOR
  • Work mistakes and oversights
  • Professional negligence lawsuits
  • Late or incomplete work
Cyber liability insurance icon

Cyber liability insurance

This policy covers financial losses from data breaches and cyberattacks. It's recommended for Wyoming businesses that handle credit card numbers and other sensitive data.

BEST FOR
  • Customer notification expenses
  • Fraud monitoring services
  • Data breach investigations
Business owner’s policy icon

Business owner’s policy

A BOP bundles commercial property insurance and general liability coverage in one plan. It's often the most cost-effective type of commercial insurance for a Wyoming business.

BEST FOR
  • Slip-and-fall injuries
  • Damaged customer property
  • Damaged business property
Workers’ compensation insurance icon

Workers’ compensation insurance

Workers’ comp insurance is required for all Wyoming businesses that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.

BEST FOR
  • Employee medical expenses
  • Disability benefits
  • Physical and occupational therapy
Commercial auto insurance icon

Commercial auto insurance

This policy is required for business-owned vehicles in Wyoming. It covers injuries and property damage in an accident, along with vehicle theft, vandalism, and weather damage.

BEST FOR
  • Accidents involving commercial vehicles
  • Theft of a business-owned vehicle
  • Damage to a company vehicle
Looking for different coverage? See more policies.

Wyoming business insurance requirements

State laws can affect which business insurance coverage you need. These policies are required everywhere in Wyoming, from Cheyenne to Casper.

Blue check mark

Workers' compensation insurance

Wyoming state law requires that businesses carry workers’ compensation insurance for every employee, both full-time and part-time. This policy covers the cost of medical care for work-related injuries and illnesses, and provides disability benefits to injured workers.

Wyoming is a monopolistic state, which means workers' comp must be purchased through the state fund. Policies purchased through the state fund don't include employer's liability insurance, which helps pay for lawsuits related to employee injuries. Wyoming employers can buy this protection through a private insurer as stop gap coverage.

Blue check mark

Commercial auto insurance

All business-owned vehicles in Wyoming must be covered by commercial auto insurance. This policy covers the cost of accidents involving work vehicles.

Wyoming's minimum requirements for auto liability insurance are:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $20,000 property damage liability per accident

Trucking companies may need additional coverage to comply with regulations.

Though it's not required, personal vehicles driven for work purposes should be covered by hired and non-owned auto insurance (HNOA), as personal auto policies usually exclude business use. It can be added to commercial general liability insurance or a business owner's policy (BOP).

How much does small business insurance cost?

Business woman calculating costs of insurance.

Commercial insurance can be affordable for Wyoming small business owners. Factors that influence the cost include:

  • Type of business and its risks
  • Business operations and location
  • Number of employees
  • Types of insurance purchased
  • Policy limits and other coverage options
View Small Business Insurance Costs
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Find the right policies and get your certificate of insurance

Insureon's licensed agents can help you find policies that fulfill Wyoming's requirements and your business insurance needs. Once you've purchased insurance with us, you can download a certificate of insurance by logging into your account.

In Wyoming, insurance agencies, agents, and brokers are licensed by the Wyoming Department of Insurance. Insureon is licensed in Wyoming as BIN Insurance Holdings LLC (NPN 15752926) for property and casualty insurance (license number 199870) and for surplus lines (license number 200592). You can verify our licensure with the Sircon Corp. Verification System by selecting Wyoming, agency, and then entering either of our state license numbers.

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