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Product Recall Insurance in Wyoming

Wyoming law authorizes the director to embargo food suspected adulterated or dangerously misbranded, and the Department of Agriculture’s Consumer Health Services division oversees the state food supply through food-establishment inspections and food-safety plans. For a Wyoming operation, identify the relevant inspection program and ask how the policy treats inventory held during an embargo and any later corrective action. 1,2

What Is Product Recall?

Product recall insurance can pay specified costs to locate and withdraw a product after a covered problem. It fits businesses that could face recall logistics; product liability does not automatically pay those costs, so compare the trigger and covered expenses. Read the national Product recall guide.

What to Watch for in Wyoming

  • Stop Movement After an Embargo

    Wyoming’s food law authorizes the director to mark suspect food as embargoed. Train shipping and warehouse staff to stop transfers as soon as the notice arrives and record each lot’s location until release. 1

  • Match the Inspection Risk Profile

    Wyoming inspection frequency reflects food type, processing, volume, target population and compliance history. Give your broker those same operation details so the coverage review accounts for the products most likely to be held. 2

  • Use the Right Site Plan

    Wyoming publishes separate plan-review materials for manufactured-food and retail operations. Keep the correct site plan alongside lot-tracing contacts so officials and insurers receive the same facility scope during a recall. 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

No provider in Spot’s research documents both a state license record and 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.

Questions to Ask Before You Buy in Wyoming

  1. What should I do when Wyoming places food under embargo?
  2. What affects inspection risk in Wyoming?
  3. Which Wyoming agency should my response team contact first, and what records should we provide?

Product Recall in Wyoming: FAQ

What should I do when Wyoming places food under embargo? 1

Stop sale and movement, tag and segregate the identified lot, and retain the director’s release or disposition instruction. Wyoming’s §35-7-114 provides the state embargo authority. 1

What affects inspection risk in Wyoming? 2

Wyoming Agriculture says inspection prioritization considers food type, processing, volume, target population and compliance history. Share those details with the broker and keep the current site plan available. 2

Product Recall in Other States

Other Coverage in Wyoming

Sources

  1. Wyoming Statutes, Title 35: Public Health and Safety. Wyoming Legislature; §35-7-114 embargo and release; §§35-7-109–127 food adulteration and enforcement. Accessed 2026-09-29.
  2. Food Safety. Wyoming Department of Agriculture; Consumer Health Services scope, food-establishment oversight, inspection risk criteria and plan-review materials. 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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