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General Liability Insurance in Wyoming

Wyoming applicants for water-well drilling or pump-installation licenses must document financial responsibility, including proof of general-liability insurance, but the statute sets no dollar limit in that provision. For residential exterior storm-damage repair, contractors must disclose whether they have GL insurance when soliciting work; that disclosure rule does not require every contractor to buy a policy. 1,2

What Is General Liability?

General liability can protect your business when a customer or visitor claims you caused injury or damaged their property. It suits businesses serving customers or working on their premises; your own building, tools and stock need property coverage. Read the national General liability guide.

Wyoming Requirements

RequirementDetails
Water-well drilling or pump-installation license applicantWritten financial-responsibility documentation including GL proof; no amount stated in § 33-42-108(a)(iv) 1

What to Watch for in Wyoming

  • Water-Well and Pump Licenses Are Separate

    Wyoming licenses water-well drilling contractors and pump-installation contractors as separate activities with profession-specific rules; the license held by the person overseeing the job must be posted at the site. Confirm which operation your contractor performs and that the insured entity and policy description match it. 1

  • Well-License Exemptions Are Specific

    The chapter exempts, among other work, oil or gas wells, certain pump installation on land the person owns, leases, or regularly works on, some monitor wells, and wells drilled on the person’s own land. Ask whether the specific job is exempt before assuming the well-license insurance evidence applies. 1

  • No Dollar Limit Is Stated for Well-License GL Proof

    Section 33-42-108 requires financial-responsibility documents that include proof of GL insurance but does not specify an amount there. Do not treat a license record as proof of a particular limit; request the policy certificate and ask your broker what limit fits the work and contract. 1

  • Storm-Repair Ads Must State Insurance Status

    For solicitation of residential exterior storm-damage repairs—roof, siding, gutter, or window/skylight systems—the contractor must tell the consumer whether it has GL insurance and any required license. That is a status disclosure, not a minimum-limit or coverage verification; ask for the certificate and verify the named business. 2

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

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. 6,7

Providers With Documented State Licenses

These providers publish a national listing for General liability; 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. 10
  • ERGO NEXT InsuranceNext First Insurance Agency, Inc.Insurance producer · checked 2026-09-28ERGO NEXT’s current license table lists Next First Insurance Agency, Inc. in 50 jurisdictions, including Washington, DC; New York is excluded because its table rows name Next Insurance Services and AP Intego, not Next First. The table is company-reported; it does not establish product availability or provide state-regulator verification for each entry. 12
  • HiscoxHiscox Insurance Company Inc.Insurer · checked 2026-09-28Hiscox’s U.S. company information states that Hiscox Insurance Company Inc. is licensed in all 50 states and the District of Columbia. This is company-reported insurer authority for this entity and does not establish which company issues every Hiscox-branded product. 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. 13
  • VouchVouch Specialty Insurance Services, LLCInsurance producer, Surplus-lines broker · checked 2026-09-28Vouch’s licenses page, effective January 16, 2025, lists producer licenses in all 50 states and DC. Its separate surplus-lines table includes Idaho number 870820, while a footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses. Because those statements conflict for Idaho, this record keeps Idaho producer-only and does not treat the table number as established agency surplus-lines authority. The page is company-reported and does not establish product availability. 14

Questions to Ask Before You Buy in Wyoming

  1. Is the job water-well drilling or pump installation, and which separate Wyoming license applies?
  2. What financial-responsibility documents and GL policy are on file for the licensed well operation, and what is the actual per-occurrence limit?
  3. For a residential storm-repair bid, does the contractor disclose whether it has GL insurance and any jurisdiction-required license?
  4. Does the certificate name the company that will perform the work and identify the relevant operations?

General Liability in Wyoming: FAQ

Does Wyoming require general liability insurance for water-well contractors? 1

Yes. Applicants for water-well drilling and pump-installation licenses must provide written financial-responsibility documentation that includes proof of GL insurance. The cited statute does not state a dollar limit. 1

Must a Wyoming storm-repair contractor carry general liability insurance? 2

The cited law requires contractors soliciting covered residential exterior storm-damage repair to disclose whether they have GL insurance; it does not require them to say yes or set a minimum limit. Ask for a certificate if the contractor reports coverage. 2

General Liability in Other States

Other Coverage in Wyoming

Sources

  1. Wyo. Stat. §§ 33-42-103, 33-42-108, and 33-42-112, Water Well Drilling Contractors and Water Well Pump Installation Contractors. Wyoming Legislature; 2025 Wyoming Statutes, ch. 42: § 33-42-103(c)–(d), distinct licenses and job-site posting; § 33-42-108(a)(iv), financial responsibility including GL proof with no stated amount; § 33-42-112(e)–(f), exemptions. Accessed 2026-09-28.
  2. Wyo. Stat. §§ 40-12-701–702, Exterior Storm Damage Repair Contracts. Wyoming Legislature; Title 40, 2025 codification, pp. 105–106: § 40-12-701(a)(ii), (iv)–(v), covered residential repair/consumer scope; § 40-12-702(a)(ii), insurance-status and license disclosure in solicitation; § 40-12-702(c)(iv)–(v), representation/adjuster prohibitions. 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. 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.
  6. 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.
  7. Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
  8. 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.
  9. 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.
  10. 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.
  11. 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.
  12. 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.
  13. 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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