---
title: "Technology E&O Insurance in Wyoming"
description: "A written contract claim is ten years, a licensed professional’s error is two years, and a claimant at more than half the fault recovers nothing."
canonical: "https://spot.insure/coverage/technology-errors-omissions/wyoming"
page-type: "coverage-state-guide"
updated-at: "2026-09-29"
---

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# Technology E&O Insurance in Wyoming

Wyoming Statutes section 1-3-105 gives ten years for an action on a specialty or any contract, agreement, or promise in writing, and eight years for a contract not in writing, express or implied. Fraud is four years, and section 1-3-106 says a fraud claim does not accrue until the fraud is discovered. Section 1-3-107 is narrower: a cause of action from an act, error, or omission in rendering licensed or certified professional or health care services must be brought within the greater of two years from the act or two years from discovery, if the claimant shows the error was not reasonably discoverable in two years or was missed despite due diligence. If the error is discovered during the second year, the period is extended six months. Section 1-1-109 then allocates fault for wrongful death or injury to person or property. Recovery is allowed only if the claimant’s fault is not more than 50 percent of the total fault of all actors, and each defendant pays only that defendant’s proportion of the total fault.[^1][^2]

**Coverage:** [Technology errors and omissions (E&O)](/coverage/technology-errors-omissions) · [Wyoming](/coverage/states/wyoming)

## What Is Technology Errors And Omissions (E&O)?

Technology errors and omissions coverage can help pay when a customer claims your software, hosting, installation or technology advice caused financial loss. If you provide tech products or services, check each activity; cyber incidents and unrelated professional work need separate review. [Read the national Technology errors and omissions (E&O) guide](/coverage/technology-errors-omissions).

## What to Watch for in Wyoming

### A signed writing is ten years, and an unwritten promise is eight

Section 1-3-105(a)(i) is ten years for a specialty or any contract, agreement, or promise in writing. Subsection (a)(ii) is eight years for a contract not in writing, express or implied, and for a liability created by statute other than a forfeiture or penalty. A foreign claim that accrued before the debtor became a Wyoming resident is a separate five-year period measured from the time the debtor establishes residence. Injury to personal property, and an injury to rights that does not arise on contract, are four years. The ten-year writing period is not the notice deadline in an E&O policy.[^1]

### Licensed professional errors use two years, with a six-month extension if discovery falls in the second year

Section 1-3-107 applies to an act, error, or omission in the rendering of licensed or certified professional or health care services. The suit must be brought within the greater of two years from the act, or two years after discovery if the claimant establishes that the error was not reasonably discoverable within two years or was not discovered despite due diligence. Discovery during the second year of that two-year period extends the time to sue by six months. A software firm that is not rendering licensed or certified professional services does not fall under this section on the statute’s words. Ask whether the work is licensed or certified before you replace the ten-year writing period with two years.[^2]

### More than half the fault bars the claim, and each defendant pays only its share

Section 1-1-109(b) allows recovery for wrongful death or injury to person or property only if the claimant’s contributory fault is not more than 50 percent of the total fault of all actors. Damages are diminished in proportion to the claimant’s fault. Fault includes negligence, strict tort or strict products liability, breach of warranty, assumption of risk, and misuse or alteration of a product. The court enters judgment against each defendant only to the extent of that defendant’s proportion of the total fault. The jury is told the consequences of its percentage findings. A pure unpaid-fee case is not this section.[^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]

- [Regulator website](https://doi.wyo.gov/)
- [License lookup](https://nipr.com/licensing-center)
- [File a complaint](https://content.naic.org/state-insurance-departments)

### 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 Technology 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 that the product is available in Wyoming; [check the regulator’s license lookup](https://nipr.com/licensing-center) and confirm state availability for your business when requesting a quote.

- [At-Bay](/insurance-providers/at-bay) — **Entity:** At-Bay Insurance Services LLC; **role:** Insurance producer, Surplus-lines broker; **checked:** 2026-09-28. **Scope:** At-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.[^8] **Coverage membership:** At-Bay offers primary and excess technology errors and omissions insurance for businesses with revenue up to $5 billion.
- [Coalition](/insurance-providers/coalition) — **Entity:** Coalition Insurance Solutions, Inc.; **role:** Insurance producer, Surplus-lines broker; **checked:** 2026-09-28. **Scope:** Coalition’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.[^9] **Coverage membership:** Coalition offers technology errors and omissions together with Active Cyber coverage for businesses that provide a technology product or service.
- [Corgi](/insurance-providers/corgi) — **Entity:** Corgi Insurance Services, Inc.; **role:** Insurance producer; **checked:** 2026-09-28. **Scope:** Corgi’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.[^10] **Coverage membership:** Corgi lists technology errors and omissions insurance for technology products and services.
- [TechInsurance](/insurance-providers/techinsurance) — **Entity:** Specialty Program Group LLC; **role:** Insurance producer; **checked:** 2026-09-28. **Scope:** TechInsurance’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.[^13] **Coverage membership:** TechInsurance arranges technology errors and omissions and cyber coverage for technology businesses.
- [Vouch](/insurance-providers/vouch) — **Entity:** Vouch Specialty Insurance Services, LLC; **role:** Insurance producer, Surplus-lines broker; **checked:** 2026-09-28. **Scope:** Vouch’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.[^14] **Coverage membership:** Vouch lists technology errors and omissions among the core coverages in its technology-company programs.

## Questions to Ask Before You Buy in Wyoming

1. Is the technology claim a written contract under section 1-3-105(a)(i), an unwritten contract under (a)(ii), or fraud that accrues on discovery?
2. Is the work licensed or certified professional service, so that section 1-3-107’s two-year period and six-month extension apply?
3. Is the claimant’s fault more than 50 percent of the total fault of all actors under section 1-1-109?

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

### How long is a Wyoming suit on a written technology contract?

Section 1-3-105(a)(i) says an action on a specialty or any contract, agreement, or promise in writing can only be brought within ten years after the cause of action accrues. A contract not in writing is eight years. A fraud claim accrues when the fraud is discovered.[^1][^2]

### When does a claimant’s fault bar a Wyoming injury recovery?

Section 1-1-109 allows recovery only if the claimant’s fault is not more than 50 percent of the total fault of all actors. Damages are reduced by the claimant’s percentage, and each defendant is liable only for that defendant’s proportion of the total fault.[^2]

## Technology Errors And Omissions (E&O) in Other States

- [Alabama](/coverage/technology-errors-omissions/alabama)
- [Alaska](/coverage/technology-errors-omissions/alaska)
- [Arizona](/coverage/technology-errors-omissions/arizona)
- [Arkansas](/coverage/technology-errors-omissions/arkansas)
- [California](/coverage/technology-errors-omissions/california)
- [Colorado](/coverage/technology-errors-omissions/colorado)
- [Connecticut](/coverage/technology-errors-omissions/connecticut)
- [Delaware](/coverage/technology-errors-omissions/delaware)
- [District of Columbia](/coverage/technology-errors-omissions/district-of-columbia)
- [Florida](/coverage/technology-errors-omissions/florida)
- [Georgia](/coverage/technology-errors-omissions/georgia)
- [Hawaii](/coverage/technology-errors-omissions/hawaii)
- [Idaho](/coverage/technology-errors-omissions/idaho)
- [Illinois](/coverage/technology-errors-omissions/illinois)
- [Indiana](/coverage/technology-errors-omissions/indiana)
- [Iowa](/coverage/technology-errors-omissions/iowa)
- [Kansas](/coverage/technology-errors-omissions/kansas)
- [Kentucky](/coverage/technology-errors-omissions/kentucky)
- [Louisiana](/coverage/technology-errors-omissions/louisiana)
- [Maine](/coverage/technology-errors-omissions/maine)
- [Maryland](/coverage/technology-errors-omissions/maryland)
- [Massachusetts](/coverage/technology-errors-omissions/massachusetts)
- [Michigan](/coverage/technology-errors-omissions/michigan)
- [Minnesota](/coverage/technology-errors-omissions/minnesota)
- [Missouri](/coverage/technology-errors-omissions/missouri)
- [Montana](/coverage/technology-errors-omissions/montana)
- [Nebraska](/coverage/technology-errors-omissions/nebraska)
- [Nevada](/coverage/technology-errors-omissions/nevada)
- [New Hampshire](/coverage/technology-errors-omissions/new-hampshire)
- [New Jersey](/coverage/technology-errors-omissions/new-jersey)
- [New York](/coverage/technology-errors-omissions/new-york)
- [North Carolina](/coverage/technology-errors-omissions/north-carolina)
- [North Dakota](/coverage/technology-errors-omissions/north-dakota)
- [Ohio](/coverage/technology-errors-omissions/ohio)
- [Oklahoma](/coverage/technology-errors-omissions/oklahoma)
- [Oregon](/coverage/technology-errors-omissions/oregon)
- [Pennsylvania](/coverage/technology-errors-omissions/pennsylvania)
- [Rhode Island](/coverage/technology-errors-omissions/rhode-island)
- [South Carolina](/coverage/technology-errors-omissions/south-carolina)
- [South Dakota](/coverage/technology-errors-omissions/south-dakota)
- [Texas](/coverage/technology-errors-omissions/texas)
- [Utah](/coverage/technology-errors-omissions/utah)
- [Vermont](/coverage/technology-errors-omissions/vermont)
- [Virginia](/coverage/technology-errors-omissions/virginia)
- [Washington](/coverage/technology-errors-omissions/washington)
- [West Virginia](/coverage/technology-errors-omissions/west-virginia)
- [Wisconsin](/coverage/technology-errors-omissions/wisconsin)

[Other Coverage in Wyoming](/coverage/states/wyoming)

## Sources

[^1]: [W.S. 1-3-105 and 1-3-107, Limitation of actions](https://wyoleg.gov/NXT/gateway.dll/2026%20Wyoming%20Statutes/2026%20Titles/1/4) — Wyoming Legislature; 2026 statutes, Title 1, Chapter 3: ten years for a written contract, eight years for an unwritten contract, and two years for licensed or certified professional services. Accessed 2026-09-29.
[^2]: [W.S. 1-1-109, Comparative fault](https://wyoleg.gov/statutes/compress/title01.pdf) — Wyoming Legislature; Title 1 official PDF, current as of May 8, 2026: recovery only if the claimant’s fault is not more than 50 percent of all actors’ fault; each defendant pays only its proportion. Accessed 2026-09-29.
[^3]: [Wyoming Department of Insurance](https://doi.wyo.gov/) — Wyoming Department of Insurance; Official regulator website; insurance oversight and consumer/professional resources. Accessed 2026-09-28.
[^4]: [Insurance Department Directory](https://content.naic.org/sites/default/files/publication-ins-ou-insurance-directory.pdf) — National Association of Insurance Commissioners; Wyoming Department of Insurance entry; official contact and website listing. Accessed 2026-09-28.
[^5]: [Licensing Center](https://nipr.com/licensing-center) — National Insurance Producer Registry; State producer licensing and lookup resources. Accessed 2026-09-28.
[^6]: [Surplus Lines Insurance Premium Taxes](https://content.naic.org/sites/default/files/model-law-chart-zz-7-surplus-lines-insurance-premium-taxes.pdf) — National Association of Insurance Commissioners; WY row; state surplus-lines premium-tax rate reviewed October 2025. Accessed 2026-09-28.
[^7]: [Guaranty Associations & Funds](https://content.naic.org/cipr-topics/guaranty-associationsfunds) — 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](https://www.at-bay.com/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](https://www.coalitioninc.com/legal/licenses) — 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](https://www.corgi.insure/broker-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](https://www.hiscox.com/about-hiscox-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](https://www.nextinsurance.com/insurance-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](https://www.techinsurance.com/legal/licenses) — 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](https://www.vouch.us/legal/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 2026-09-29.

This guide is informational and does not determine whether a policy is available or meets your needs. [Editorial policy](/editorial-policy). To suggest a correction, [contact Spot](/contact) with a supporting source.

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