Wyoming Business Insurance Guide 2026

Who must carry it: Required for listed extrahazardous industries and occupations; optional otherwise; state fund (Wyoming Statutes 27-14-108, Extrahazardous industries, employments, occupations (Title 27 compilation, Wyoming Legislature)).

The list is defined by North American Industry Classification System (NAICS) codes and covers sectors such as logging, mining, utilities, construction and manufacturing, plus arts, entertainment and recreation, accommodation and food services (each with exceptions) and specified parts of wholesale and retail trade, transportation and warehousing, information, real estate, administrative and waste services, educational services, health care, other services and public administration. Because the list is long and code-based, check your business's NAICS code against the statute.

Employers outside the list

Employers whose work is not listed as extrahazardous are not required to cover employees but may elect to cover all of them (27-14-108(j)). Corporate officers, LLC members, partners and sole proprietors are covered only if the business elects (27-14-108(k)) (Wyoming Statutes 27-14-108, Extrahazardous industries, employments, occupations (Title 27 compilation, Wyoming Legislature)).

Coverage is obtained from the state's Workers' Compensation Division, which collects the premiums (W.S. 27-14-202). The statute adds that an employer subject to the act "shall not commence business or engage in work in this state without applying for coverage under this act and receiving a statement of coverage from the division" (W.S. 27-14-207(a)) (Wyoming Statutes 27-14-108, Extrahazardous industries, employments, occupations (Title 27 compilation, Wyoming Legislature)).

The agency to ask is the Wyoming Department of Workforce Services, Workers' Compensation Division. Pricing is separate from the legal rule: the workers' comp calculator multiplies the payroll, rate and modifier you enter, and the workers' compensation guide explains the coverage.

The amounts in Wyoming's owner's-policy standard and proof-of-financial-responsibility definition:

• Bodily injury liability: $25,000 per person and $50,000 per accident
• Property damage liability: $20,000 per accident
• Start date: not stated in the source; confirmed in force on October 3, 2026
• Source: W.S. 31-9-405(b) and 31-9-102(a)(xi) (Wyoming Legislature, Title 31 PDF)

These amounts come from the statute's owner's-policy standard and its proof-of-financial-responsibility definition; ask your insurer how they apply to the vehicles your business registers (W.S. 31-9-405(b) and 31-9-102(a)(xi) (Wyoming Legislature, Title 31 PDF)).

Commercial and for-hire vehicles can face different or higher federal or state requirements. Our commercial auto guide covers owned, hired and non-owned vehicles.

According to NCSL's table, last updated November 7, 2025 (NCSL: state family and medical leave laws), cross-checked on October 3, 2026 with the U.S. Department of Labor Women's Bureau, Wyoming has no state paid family and medical leave insurance program and no state temporary disability insurance program.

A 2026 law may not appear in that table yet, as Virginia's new program shows (Code of Virginia § 60.2-801); for a later payroll year, check with the Wyoming Department of Workforce Services.

Insurance or bond conditions can also come from licensing boards, landlords and clients, for example as general liability limits or certificate wording. Log each one in the certificate of insurance checklist, and use the requirements-by-state guide for work outside Wyoming. Wyoming's list of covered industries includes construction (NAICS sector 23), so contractors should check it alongside their license conditions.

• Workers' compensation: Wyoming Department of Workforce Services, Workers' Compensation Division
• Auto liability minimums: W.S. 31-9-405(b) and 31-9-102(a)(xi) (Wyoming Legislature, Title 31 PDF)
• Paid leave and disability insurance: NCSL state family and medical leave laws and the U.S. Department of Labor Women's Bureau

Use the state requirements checklist to organize what to ask. You can also request coverage help for a PolicyBenchmark follow-up about your Wyoming business.