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Wyoming inland marine insurance, including portable electronics

Wyoming's marine and transportation definition includes cargo incident to transit, including property being assembled or prepared for shipment or awaiting shipment, plus marine builder's risks and personal property floaters. The form-filing provision does not apply to surety bonds, specially rated inland marine risks, or unique forms designed for a particular risk. Separately, portable electronic device insurance is deemed to include inland marine for purposes of Title 26. 1,2

What Is Tools, Equipment And Inland Marine?

If your business moves equipment between sites or ships goods, inland marine can cover those property exposures; installation and other forms address different property categories. Match the quote to what you own, rent or hold for others. Read the national Tools, equipment and inland marine guide.

What to Watch for in Wyoming

  • Property Awaiting Shipment Is in the Marine Kind

    W.S. 26-5-107(a) includes cargoes and other property incident to navigation, transit, or transportation, or while being assembled or prepared for or awaiting shipment, or during delays, storage, transshipment, or reshipment. It also includes a person or property in connection with marine, inland marine, transit, or transportation insurance. Ask whether goods sitting before a pickup are still 'awaiting shipment' on your form. 1

  • Specially Rated and Unique Forms Skip the Form Filing

    W.S. 26-15-110, in the same Title 26 compilation, says the form-filing provision does not apply to surety bonds, to specially rated inland marine risks, or to unique forms designed for an individual risk. A standard equipment floater may still be filed. A manuscript form for one project may be the exception. Ask which one the quote uses. 1

  • Portable Electronic Device Insurance Is Deemed Inland Marine

    W.S. 26-9-202(a)(xi) says portable electronic device insurance may cover repair or replacement for loss, theft, mechanical failure, malfunction, damage, or similar causes, and that for purposes of Title 26, property and casualty insurance shall be deemed to include inland marine insurance with respect to portable electronic device insurance. A phone-repair plan coded as inland marine is not a contractors' equipment floater. Ask the broker to keep those contracts separate. 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 Tools, equipment and inland marine; 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.

  • 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. 13TechInsurance arranges inland marine coverage for contractors’ tools and equipment.

Questions to Ask Before You Buy in Wyoming

  1. Are goods covered while awaiting shipment, or only after they are on a vehicle?
  2. Is the form specially rated or unique, so that the form-filing provision does not apply?
  3. Is any portable-electronic coverage being mixed into the equipment schedule?

Tools, Equipment And Inland Marine in Wyoming: FAQ

Does Wyoming treat portable electronic device insurance as inland marine? 2

Yes. W.S. 26-9-202(a)(xi) says that for purposes of Title 26, with respect to portable electronic device insurance, property and casualty insurance shall be deemed to include inland marine insurance. 2

Must every Wyoming inland marine form be filed? 1

No. W.S. 26-15-110 says the form-filing provision does not apply to surety bonds, specially rated inland marine risks, or unique forms designed for an individual risk. 1

Tools, Equipment And Inland Marine in Other States

Other Coverage in Wyoming

Sources

  1. Wyoming Statutes Title 26. Wyoming Legislature; W.S. 26-5-107(a) marine and transportation insurance; W.S. 26-15-110 form-filing exceptions. Accessed 2026-09-29.
  2. W.S. 26-9-202. Wyoming Legislature; § 26-9-202(a)(xi) portable electronic device insurance deemed to include inland marine. Accessed 2026-09-29.
  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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