What Last-Mile Delivery Insurance Requirements Apply in Wyoming?

W.S. 31-20-107 requires $50,000 per person, $100,000 per incident, and $25,000 property damage while a driver is available for prearranged rides but not on one, and $1 million while engaged in a prearranged ride. If the driver's policy lapses, the company's insurance must cover the claim from the first dollar and defend it. W.S. 31-20-108 allows an insurer to exclude any coverage while the driver is available or on a ride, and it preserves an existing exclusion for vehicles used to carry persons or property for a charge or available for hire by the public.

What Is Last-Mile Delivery Insurance?

Last-mile delivery insurance is not one standard policy: vehicle liability, vehicle damage and cargo protection can be separate. If your staff deliver orders in company, rented or personal vehicles, check each vehicle, cargo and worker-injury exposure in the quote. Read the national Last-mile delivery guide.

Wyoming Last-Mile Delivery Insurance Requirements

Requirement	Details
Available, not on a prearranged ride	$50,000 / $100,000 / $25,000 ¹
Engaged in a prearranged ride	$1 million ¹

What to Watch for With Last-Mile Delivery in Wyoming

The Exclusion Can Reach Collision and Medical Payments
W.S. 31-20-108 lets an insurer exclude any coverage while the driver is available for a request or engaged in a prearranged ride, including liability, uninsured and underinsured motorist, medical payments, comprehensive, and collision. Nothing in the section requires the personal policy to cover those periods. If it excludes them, the company policy required by 31-20-107 has to respond. ¹
An Older Charge-or-Hire Exclusion Still Counts
The same section says the chapter does not invalidate an exclusion already in a Wyoming policy for vehicles used to carry persons or property for a charge, or available for hire by the public. A delivery of property for a charge can fall under that preserved exclusion even when the trip is not a passenger ride. Read the personal policy for that wording. ¹
The Company Does Not Wait for a Denial
Coverage under the company's policy shall not depend on a personal insurer first denying the claim. If the driver's insurance lapses or is short, the company insurance provides the required coverage from the first dollar and its insurer defends. The current Title 31 compilation still states the $50,000/$100,000/$25,000 and $1 million limits for rider transportation. ^1,²

Which Last-Mile Delivery 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.

Questions to Ask Before You Buy Last-Mile Delivery in Wyoming

Does the personal policy exclude liability, collision, or medical payments while the driver is available or on a ride?
Does it also exclude vehicles used to carry persons or property for a charge?
If the driver's coverage is short, does the company policy pay from the first dollar and defend?

Last-Mile Delivery Insurance in Wyoming: Frequently Asked Questions

Can a Wyoming personal auto policy exclude transportation-network use?

Yes. W.S. 31-20-108 allows an insurer to exclude any coverage while the driver is available for a prearranged ride or engaged in one. ¹

Does Wyoming preserve a personal-policy exclusion for carrying property for a charge?

Yes. W.S. 31-20-108 says the chapter does not invalidate an exclusion for vehicles used to carry persons or property for a charge or available for hire by the public. ¹

Sources for Last-Mile Delivery Insurance in Wyoming

1
Enrolled Act No. 84, House Bill 0080 (2017). Wyoming Legislature; W.S. 31-20-107 financial responsibility; W.S. 31-20-108 automobile insurance exclusions. Accessed 2026-09-29.
2
Wyoming Statutes Title 31, Chapter 20, Transportation Network Companies. Wyoming Legislature; W.S. 31-20-101, 31-20-107, 31-20-108. 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
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.