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Professional Liability (E&O) Insurance in Wyoming

Wyoming requires active real-estate license applicants, renewing licensees, and inactive licensees activating a license to show E&O through the Commission group program or certify individual coverage. The group minimum is $100,000 per claim and $500,000 annual aggregate per licensee, with investigation and defense costs outside the single limit. The statute pauses the requirement for a year if the Commission cannot obtain group coverage within the inflation-adjusted premium cap. 1,2,3

What Is Professional Errors And Omissions (E&O)?

Professional liability can help pay defense costs and covered losses when a client says your advice or service caused financial harm. If customers rely on your work, list every service you provide and check the claims-made reporting and prior-work terms. Read the national Professional errors and omissions (E&O) guide.

Wyoming Requirements

RequirementDetails
Group-program minimum per licenseeAt least $100,000 per occurrence or claim made, plus $500,000 annual aggregate; investigation and defense costs excluded from the single limit 3,1

What to Watch for in Wyoming

  • Independent Coverage Has Its Own Filing Standard

    A licensee may use independent coverage only if it meets Wyoming’s equivalent-coverage rules and is certified to the Commission. Those rules call for at least $100,000 per covered claim and $500,000 annual aggregate per licensed individual and entity; confirm how the limit applies to your brokerage entity and each licensee. 3,1

  • Group and Independent Tail Terms Differ

    The group-policy minimum includes a 90-day extended-reporting provision and an option for three additional years; an independent policy must offer an extended-reporting period of at least 365 days for added premium. Compare the price, start date, and length before replacing or leaving a claims-made policy. 3

  • Review Exclusions Against Licensed Real-Estate Work

    Wyoming’s rules identify claims for bodily or property damage, assumed contractual liability, fines, and certain unlicensed related-business activity among exclusions a policy may impose. Ask the broker to explain how E&O and other policies divide transaction advice, property management, and physical-injury or property-damage allegations. 3

  • The Statute Has a Group-Availability Exception

    Wyoming suspends the E&O requirement for a year if the Commission cannot obtain group coverage at or below the inflation-adjusted statutory premium cap. Check the Commission’s current notice before treating the group-program option or annual requirement as unchanged for a renewal year. 1,2

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. 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 Professional errors and omissions (E&O); 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.

  • At-BayAt-Bay Insurance Services LLCInsurance producer, Surplus-lines broker · checked 2026-09-28At-Bay’s license page lists P&C producer and surplus-lines broker license numbers for all 50 states and the District of Columbia. These are company disclosures and do not establish product availability in each jurisdiction. 9
  • CoalitionCoalition Insurance Solutions, Inc.Insurance producer, Surplus-lines broker · checked 2026-09-28Coalition’s license page lists producer and surplus-lines licenses for Coalition Insurance Solutions, Inc. in all 50 states and the District of Columbia. The page separately lists insurers; this record covers the brokerage entity only. 10
  • 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
  • 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. 13
  • 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. 12
  • 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. 14
  • 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. Does the policy cover every real-estate service for which each named individual and entity is licensed, subject to the listed exclusions?
  2. If we use individual coverage instead of the Commission group program, does the Commission receive the required signed certification and cancellation notice?
  3. How much investigation and defense expense is outside the group policy’s $100,000 single limit, and what deductibles apply?
  4. What does a 90-day reporting extension include, and what would the optional three-year or independent 365-day reporting period cost?
  5. Has the Commission announced any group-plan availability or statutory-exception change for this renewal year?

Professional Errors And Omissions (E&O) in Wyoming: FAQ

Do Wyoming real-estate licensees need E&O insurance? 1

Yes. Active license applicants, licensees renewing, and inactive licensees activating must provide proof through the Commission group program or certify individual coverage. 1

What is the Wyoming real-estate E&O minimum? 3

The Commission group policy minimum is $100,000 per occurrence or claim and $500,000 annual aggregate per licensee; investigation and defense costs are outside the single limit. 3

Professional Errors And Omissions (E&O) in Other States

Other Coverage in Wyoming

Sources

  1. Wyoming Statutes, Title 33, Chapter 28. Wyoming Legislature; W.S. §33-28-401(a)–(d); current Title 33 compilation opened 9/28/2026. Accessed 2026-09-28.
  2. Real Estate Commission Rules & Regulations. Wyoming Real Estate Commission; Current administrative rules listing identifies Chapter 7 as Errors and Omissions Insurance; accessed 9/28/2026. Accessed 2026-09-28.
  3. Chapter 7: Errors and Omissions Insurance. Wyoming Real Estate Commission (current Chapter 7 linked from its rules page); Sections 1, 3–5, 7–12; direct current PDF download from Commission’s Chapter 7 link on 9/28/2026. 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.

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