Get Started

Wyoming medical malpractice insurance guide

Wyoming has a physician-only statutory account qualification requiring at least $50,000 per occurrence plus an annual surcharge, but a 2025 Legislative Service Office memo reports that the account is not funded. Private-provider claims generally follow a two-year act-or-discovery rule with exceptions, while government-employed clinicians use separate notice, deadline and liability rules. 1,2,3

What Is Medical Malpractice?

Medical malpractice insurance can pay defense costs and covered damages when a patient claims a clinician’s care caused harm. If you provide health care, match the quote to your practice, clinicians, specialties and procedures, then check who is insured. Read the national Medical malpractice guide.

Wyoming Requirements

RequirementDetails
Account qualification is physician-specificThe statutory account requires a physician to buy at least $50,000 per occurrence for care during the policy year and pay the annual surcharge; a qualifying physician’s account layer is capped at $1 million per calendar year. A 2025 state research memo reports the account is not funded, so do not count on it without current confirmation. 1,2

What to Watch for in Wyoming

  • Do not assume the excess account can pay

    The statute describes a physician-only account, but the Wyoming Legislative Service Office reported in October 2025 that it was not funded because private coverage was available. Verify current funding and participation before relying on any layer above the required $50,000 policy. 1,2

  • Private-provider timing depends on discovery facts

    For licensed professional or health-care services, Wyoming generally uses two years from the alleged act, with a possible two years after discovery if the act was not reasonably discoverable or despite due diligence; if discovered during year two, the filing time extends six months. Confirm how those exceptions apply to a specific claim. 3

  • Government-employed care follows a different claims route

    For specified governmental employees and contract clinicians acting within duty, the government entity is liable subject to a $1 million per-claimant and $1 million all-claimants ceiling per occurrence. Written itemized notice is generally due within two years and suit within one year after the claim is filed, with statutory qualifications. 3

  • Separate public and private arrangements

    A clinician working both privately and for a government entity may have care subject to different liability and notice rules. Schedule the proper practice and employment entities, and ask which policy or government protection applies to each care setting. 3

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 Medical malpractice; 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
  • 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. 15

Questions to Ask Before You Buy in Wyoming

  1. Is the clinician a Wyoming-licensed physician who has actually qualified for the statutory account, and has the state confirmed that the account is funded for the relevant year?
  2. What incident-reporting and retroactive dates apply to Wyoming’s act-based period and the discovery exceptions?
  3. For care provided under a government contract or public employment, who files the written claim notice and which defense/limit arrangement responds?

Medical Malpractice in Wyoming: FAQ

Does Wyoming’s statute guarantee a usable excess layer above $50,000? 1,2

No. The statute describes an account layer for qualified physicians, but a 2025 Legislative Service Office memo reports the account was not funded; verify current status before relying on it. 1,2

Do public and private Wyoming malpractice claims use the same process? 3

No. Government-employed or deemed public employee clinicians are subject to separate Governmental Claims Act notice, filing and liability provisions. 3

Medical Malpractice in Other States

Other Coverage in Wyoming

Sources

  1. Wyoming Statutes, Title 26. Wyoming Legislature; §§26-33-102 through -105: physician-only qualification, minimum per-occurrence insurance, surcharge and account layer/cap. Accessed 2026-09-28.
  2. OB/GYN Liability Insurance and Wyoming Statutes. Wyoming Legislative Service Office; October 2025 research memo, Wyoming liability insurance laws: account described as not funded; distinguishes statute on paper from usable excess recovery. Accessed 2026-09-28.
  3. Wyoming Statutes, Title 1. Wyoming Legislature; §§1-3-107 and 1-39-110, -113, -114, -118: private professional-services limitation; governmental provider scope, notice, suit deadline and caps. 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.

Get Help With Insurance Buying and Renewals.

Get help buying coverage and managing renewals, with less paperwork for your team. Start with a free consultation.

Talk to Spot