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Commercial Auto Insurance in Wyoming

Wyoming requires a contract or for-hire carrier to file liability proof with WYDOT before its intrastate authority is approved, and most carriers also file cargo proof. WYDOT’s January 2026 application and its posted Chapter 3 insurance-rule PDF state different Form E liability amounts, so confirm the applicable limit with the Regulatory Section before binding the filing. 1,2,3

What Is Commercial Auto?

Commercial auto suits businesses that use vehicles for work and need liability protection; damage to your own vehicles is a separate coverage choice. If employees drive personal or rented cars, check how those trips are handled. Read the national Commercial auto guide.

Wyoming Requirements

RequirementDetails
Intrastate contract/for-hire carrier liability filingForm E filing required before authority approval; the amount is unresolved because current official WYDOT materials conflict 1,2
Cargo filing for contract carriersMost carriers: Form H at $10,000; no cargo filing for cargo with no appreciable salvage value, subject to listed exceptions 1,2
Mobile-home transport by contract carrierForm MC-61E at $5,000 1

What to Watch for in Wyoming

  • Resolve The Form E Amount Before Binding Authority

    WYDOT’s January 2026 application says $750,000 combined single limit, while the Department’s posted Chapter 3 insurance-rule PDF says $500,000. Do not assume the older posted schedule or the newer application alone resolves the conflict; ask the Regulatory Section which filed limit it will approve for your operation and retain that answer with the binder instructions. 1,2

  • Confirm The Operation Is Contract Carrier Authority

    WYDOT defines a contract motor carrier as a person transporting people or property intrastate for compensation. Its separate private-motor-carrier definition covers a business vehicle over 26,000 pounds carrying the business’s own employees or property without compensation; do not treat that different operation as contract authority without checking the category. 3

  • Check The Commodity Before Ordering Form H

    WYDOT’s current application says most contract carriers file $10,000 cargo insurance, but excludes cargo with no appreciable salvage value and specifically gives raw agricultural products except livestock, sand except in pneumatic trailers, rock, dirt, and gravel as examples. List the actual commodities and trailer type so the carrier and insurer can check the exception before filing. 1,2

  • Use WYDOT’s Carrier Forms Instead Of An ACORD Certificate

    WYDOT says the insurer or other authorized representative must submit its required filing and does not accept ACORD certificates, binders, abstracts, or insurance ID cards as intrastate-authority proof. Have the underwriter send the prescribed Form E and any required Form H or MC-61E directly to the Regulatory Section before the application is processed. 3,1

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. 4,5,6

Surplus-lines tax and stamping office

Reported tax rate: 3% of premium 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. 7,8

Providers With Documented State Licenses

These providers publish a national listing for Commercial auto; the state records document licenses for the entities and roles shown below. Some records rely on company-reported information rather than independent regulator verification. A national listing does not confirm the product is available in Wyoming. Check the regulator’s license lookup and confirm state availability for your business when requesting a quote.

  • CorgiCorgi Insurance Services, Inc.Insurance producer · checked 2026-09-28Corgi’s company producer-license table lists 50 jurisdictions: 49 states and the District of Columbia, including DC license 3003091619. New Mexico does not appear in the table and is not included here; the omission does not establish that Corgi is unlicensed there. The company-reported table has no stated as-of date and does not establish product availability. 11
  • TechInsuranceSpecialty Program Group LLCInsurance producer · checked 2026-09-28TechInsurance’s current licensing page names Specialty Program Group LLC / SPG Insurance Solutions and lists state license numbers, but labels Rhode Island “Individual licenses” rather than identifying a license for the named agency. RI is omitted because this disclosure does not establish agency authority there; this is a search limitation, not an assertion that the company is unlicensed. The remaining state entries are company-reported and are not an insurance product availability map. 14

Questions to Ask Before You Buy in Wyoming

  1. Has WYDOT confirmed in writing which Form E amount it will approve given the difference between the 2026 application and posted Chapter 3 PDF?
  2. Does our business transport property for compensation intrastate, or does WYDOT classify it as a private motor carrier?
  3. Do our commodities qualify for the no-appreciable-salvage cargo exception, and does the trailer type change that answer?
  4. Will the underwriter file WYDOT Form E and any required cargo form directly, rather than sending an ACORD certificate or ID card?

Commercial Auto in Wyoming: FAQ

What Form E liability limit does Wyoming require for an intrastate contract carrier? 1,2

WYDOT’s January 2026 application says $750,000 combined single limit, but the Department’s posted Chapter 3 insurance-rule PDF says $500,000. Confirm the amount the Regulatory Section will approve before submitting the authority filing. 1,2

Do Wyoming intrastate carriers need cargo insurance? 1

Most contract carriers file $10,000 cargo insurance, with an exception for commodities having no appreciable salvage value; WYDOT lists raw agricultural products except livestock, non-pneumatic sand, rock, dirt, and gravel as examples. Contract carriers transporting mobile homes use a separate $5,000 Form MC-61E filing. 1

Commercial Auto in Other States

Other Coverage in Wyoming

Sources

  1. WYDOT New IRP Customer Packet, CC-112, January 2026 Revision. Wyoming Department of Transportation; Form MC-100 application, rev. 2026-01, step 4 / insurance requirements for contract or for-hire carrier authority, PDF p. 12: Form E amount, Form H cargo exception and minimum, MC-61E mobile-home filing, insurer submission method. Accessed 2026-09-28.
  2. WYDOT Insurance Requirements, Chapter 3. Wyoming Department of Transportation; Sections 2(a)–(b) and 3(a)–(c), intrastate carrier filing condition, current posted text states $500,000 Form E and $10,000 cargo with no-appreciable-salvage exceptions; the PDF itself does not state a revision/effective date. Accessed 2026-09-28.
  3. Intrastate Operating Authority. Wyoming Department of Transportation; Definitions of contract motor carrier and private motor carrier; prescribed forms and statement that ACORD certificates, binders, abstracts, and ID cards are not accepted for intrastate authority; current page accessed 2026-09-28. Accessed 2026-09-28.
  4. Wyoming Department of Insurance. Wyoming Department of Insurance; Official regulator website; insurance oversight and consumer/professional resources. Accessed 2026-09-28.
  5. Insurance Department Directory. National Association of Insurance Commissioners; Wyoming Department of Insurance entry; official contact and website listing. 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.

Updated .

This guide is informational and does not determine whether a policy is available or meets your needs. Editorial policy. To suggest a correction, contact Spot with a supporting source.

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