What Builders Risk Insurance Requirements Apply in Wyoming?

Wyoming separates large construction stormwater projects of five acres or more from small projects of one to under five acres, including qualifying common plans. For projects in designated mule deer or antelope migration corridors, DEQ says a state-permitted project must consult with Game and Fish; new CGP coverage is unavailable if the project is inconsistent with the applicable executive order. That review can change mobilization, material delivery, and completion timing, so determine the parcel’s status before fixing the insured schedule. This scope is limited to state-permitted projects.

What Is Builders Risk Insurance?

Builders risk protects the project you are building, including materials meant for it, against physical loss until construction ends. The gaps that cost owners money are materials in storage or transit, the existing building in a renovation, and coverage ending when you occupy early. Read the national Builders risk guide.

What Should You Watch for With Builders Risk Insurance in Wyoming?

Screen the parcel before the state permit filing
Wyoming DEQ directs applicants for state-permitted projects that are partly or wholly within a designated migration corridor to consult Game and Fish. A project inconsistent with Executive Order 2020-1 is ineligible for new coverage under the state large or small construction general permit. ¹
Wildlife review has its own calendar
Game and Fish asks for the project’s legal location, description, and detailed map and says a review letter takes approximately 30–45 days. Include that step before planned mobilization, and revisit delivery and insured completion dates if the layout changes. ²
Do not generalize the corridor rule beyond its stated scope
DEQ describes this consultation in the context of state-permitted projects and new state construction-permit coverage. The source does not establish rules for federally permitted projects outside state jurisdiction or any insurance coverage decision. ¹

Which Builders Risk Insurance Providers Have Wyoming License Records?

No provider in our research has both a state license record and a listing for this coverage line. This does not establish that providers are unlicensed. Check the regulator’s license lookup and confirm availability with a provider when requesting a quote.

Who Regulates Insurance in Wyoming?

Wyoming Department of Insurance

The Wyoming Department of Insurance administers Wyoming insurance laws, oversees insurers and insurance producers within its authority, and provides regulatory and consumer resources. You can use the department's complaint process to raise an insurance issue and its licensing resources to check insurance professionals. ^3,^4,⁵

Website: Regulator website
License lookup: Search licensed producers
Complaints: File a complaint

Surplus-Lines Tax and Stamping Office in Wyoming

Reported tax rate. 3% of premium ^6,⁷

The NAIC's state chart lists a 3% of premium charge for surplus-lines coverage for Wyoming (the chart's state entries were reviewed in October 2025). Your broker may collect the applicable amount with the premium. Surplus-lines insurers are not licensed in the state and generally are outside state guaranty-association protection; ask your broker to explain the insurer's financial protections and any diligent-search requirement that applies to your placement.

What Should You Ask Before Buying Builders Risk Insurance in Wyoming?

Is the project within a designated migration corridor, and has the state permitting team confirmed whether Game and Fish consultation is needed?
Are materials at a remote yard, on site, and in transit addressed separately if wildlife review changes the work layout or delivery sequence?
What policy notice, extension, and project-value updates apply if consultation conditions change the construction calendar?

Builders Risk Insurance in Wyoming: Frequently Asked Questions

How does Wyoming divide its construction general permits?

WDEQ describes the Large Construction General Permit for five or more disturbed acres, including qualifying common plans, and the Small Construction General Permit for at least one but under five acres, including qualifying common plans. ¹

Does migration-corridor review guarantee a Wyoming stormwater authorization?

No. DEQ says state-permitted projects in designated corridors must consult Game and Fish, and projects inconsistent with Executive Order 2020-1 are not eligible for new state CGP coverage. The review is a project approval issue, not an insurance determination. ^1,²

Sources for Builders Risk Insurance in Wyoming

1
Large and Small Construction General Permit. Wyoming Department of Environmental Quality, Water Quality Division; Large/small acreage thresholds; state-permitted migration-corridor consultation; inconsistency and new-coverage restriction, lines 282–318; accessed current 2026-09-28. Accessed 2026-09-28.
2
Habitat Protection Program — How to Submit a Project for Review. Wyoming Game and Fish Department; Project-location/map submission requirements and approximate 30–45-day review, page sections “How to submit a project for review”; accessed 2026-09-28. Accessed 2026-09-28.
3
Wyoming Department of Insurance. Wyoming Department of Insurance; Official regulator website; insurance oversight and consumer/professional resources. Accessed 2026-09-28.
4
Insurance Department Directory. National Association of Insurance Commissioners; Wyoming Department of Insurance entry; official contact and website listing. Accessed 2026-09-28.
5
Licensing Center. National Insurance Producer Registry; State producer licensing and lookup resources. Accessed 2026-09-28.
6
Surplus Lines Insurance Premium Taxes. National Association of Insurance Commissioners; WY row; state surplus-lines premium-tax rate reviewed October 2025. Accessed 2026-09-28.
7
Guaranty Associations & Funds. National Association of Insurance Commissioners; Coverage of claims from insolvencies of insurers licensed in a state; surplus-lines insurers are nonadmitted. Accessed 2026-09-28.
8
Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
9
Licenses and Carriers. Coalition; Licenses and Carriers, re-read 22 September 2026: Insurance Licenses table for Coalition Insurance Solutions, Inc., national producer number 18419475, with producer and surplus-lines numbers for all 50 states and DC including California 0L76155, Georgia 196479, Texas 2199630 and 2205589, Pennsylvania 815731 and 817452, Colorado 539028 and Wisconsin 3000108852. Insurance Carriers table naming, with NAIC numbers, Allianz Underwriters Insurance Company 36420, Arch Specialty Insurance Company 21199, Ascot Specialty Insurance Company 45055, Ascot Insurance Company 23752, Aspen Specialty Insurance Company 10717, Chaucer Insurance Company DAC, Coalition Insurance Company 29530, Fireman's Fund Indemnity Corporation 11380, Fortegra Specialty Insurance Company 16823, Lloyd's of London, MSIG Specialty Insurance USA Inc. 34886, MS Transverse Specialty Insurance Company 41807, Steadfast Insurance Company 26387, Vantage Risk Specialty Insurance Company 16275 and Zurich American Insurance Company 16535. Accessed 2026-09-22.
10
Insurance Producer Licenses. Corgi Insurance; Current complete Insurance Producer Licenses table for Corgi Insurance Services, Inc.; 50 rows covering 49 states and DC (DC 3003091619); no New Mexico row; no NPN or as-of date shown. Accessed 2026-09-28.
11
About Hiscox US Insurance. Hiscox; Hiscox Insurance Company Inc. NAIC 10200 as Chicago, IL domiciled insurer admitted or licensed in all 50 states and D.C.; Hiscox Inc. as general agent and Lloyd’s coverholder for Syndicates 33 and 3624; surplus-lines placements through licensed surplus-lines brokers; A.M. Best rating statement. Accessed 2026-09-16.
12
Licenses. ERGO NEXT Insurance; Current entity-by-state license table reopened 28 September 2026: 50 rows under Next First Insurance Agency, Inc., including Washington, DC; New York rows instead list Next Insurance Services PC-1423070 and AP Intego BR-1198885. Accessed 2026-09-28.
13
Insurance Licenses by State. TechInsurance; Current state table; identifies TechInsurance as a division of Specialty Program Group LLC d/b/a SPG Insurance Solutions; lists DC 3000041536 and labels Rhode Island “Individual licenses,” without an agency license number. Accessed 2026-09-28.
14
Licenses. Vouch; Effective 16 January 2025: Vouch Specialty Insurance Services, LLC, NPN 19926463; P&C table (50 states and DC); surplus-lines table includes Idaho 870820; footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses; Idaho retained as producer-only due to conflict. Accessed 2026-09-15.

What Builders Risk Insurance Requirements Apply in Wyoming?

What Is Builders Risk Insurance?

What Should You Watch for With Builders Risk Insurance in Wyoming?

Screen the parcel before the state permit filing

Wildlife review has its own calendar

Do not generalize the corridor rule beyond its stated scope