Insurance in Wyoming

Wyoming does not attach a general liability insurance mandate to the state electrical contractor license, and there is no statewide plumbing or HVAC license. General contractors, public bodies, and many commercial owners will still require CGL with minimum limits and additional-insured endorsements before you can step on site. Most Wyoming trades operators carry $1,000,000 per-occurrence / $2,000,000 aggregate CGL at a minimum, with higher limits for commercial work. Workers' compensation. Wyoming is a monopoly workers'-comp state under Wyoming Statute 27-14. The Wyoming Department of Workforce Services (DWS) operates the state Workers' Compensation Division and is the exclusive provider of statutory workers' comp coverage for most Wyoming employees; private workers'-comp insurance is generally not authorized for statutory coverage. Construction contractors with employees must register with DWS and pay into the state fund. Sole proprietors with no employees are not required to cover themselves but may elect coverage. Source: Wyoming DWS Workers' Compensation (verify current URL on the main Wyoming DWS site). Other coverages trades operators typically carry in Wyoming: - Commercial auto for trucks and vans. Personal auto policies carve out business use. Wyoming's minimum financial responsibility limits are low. Commercial buyers expect well above the state minimum. - Hired and non-owned auto for employees driving their own vehicles on company errands. - Inland marine (contractor's equipment) for tools, equipment, and materials in transit or on site. - Pollution liability for refrigerants, solvents, and fuel handling. Material for HVAC, mechanical, and underground trades. - Umbrella for $1M to $2M over the underlying CGL and auto layers, commonly required by commercial GCs. - Builder's risk, on a per-project basis, for new construction and major remodel work. Shop the market annually. Wyoming trade associations (ABC Wyoming, AGC Wyoming, PHCC Wyoming, IEC Rocky Mountain / Wyoming) run group programs that sometimes price below street rates. Whatever you buy, keep Wyoming DWS workers' comp payments current, the state electrical license in good standing if applicable, any municipal mechanical or plumbing license active, and CGL and auto coverage in force.