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Workers’ Compensation Insurance in Wyoming

Wyoming’s compulsory workers’ compensation system applies to employees in industries the statute classifies as extrahazardous, while employers outside those categories may elect coverage. Before work begins, Wyoming-based and out-of-state businesses must register with the Department of Workforce Services so it can determine liability; owners are excluded unless they make a written coverage election. 1,2,3

What Is Workers’ Compensation?

Workers’ compensation can pay medical care and part of an employee’s lost wages after a work-related injury or illness. If you have staff, check who is covered in each state; owners, contractors and some workers may be treated differently. Read the national Workers’ compensation guide.

Wyoming Requirements

RequirementDetails
Covered employmentEmployees in statutory extrahazardous industries are covered; employers outside those categories may elect coverage for all employees. DWS registration is required before covered work begins. 1,2

What to Watch for in Wyoming

  • Industry Classification Controls

    Wyoming defines covered employment by industry, including broad sectors such as construction, mining, utilities, manufacturing and transportation plus specific NAICS subsectors. If your work is not in the listed categories, an employer may elect coverage, but the statutory election covers all employees; ask DWS to classify each operation before assuming no account is needed. 1,2

  • Register Before Starting Work

    DWS requires Wyoming-based and out-of-state businesses performing work in Wyoming—or hiring a Wyoming resident—to register first, even when the business thinks it may be non-liable or optional. Register before the project starts and keep DWS’s liability determination and statement of coverage; an exemption determination does not establish that another state’s requirements are met. 2

  • Elect Owner Coverage in Writing

    Sole proprietors, partners, corporate officers and LLC members are excluded unless coverage is elected. The election must be submitted on initial registration or 30 days before a quarter, and the coverage generally cannot be terminated for eight calendar quarters; confirm the date and class code with DWS before expecting owner benefits. 1,3

  • Temporary Out-of-State Work

    Wyoming’s fund generally covers Wyoming-based employees temporarily working in states with reciprocal agreements, including Washington, Oregon, Utah, Idaho, Montana, North Dakota, South Dakota, Ohio and Nevada, subject to a construction-class exception for Nevada. DWS warns that Wyoming coverage does not replace another state’s law, so ask whether a separate local policy or endorsement is needed before sending a crew. 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 Workers’ compensation; 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
  • 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. Which of my work activities and NAICS categories make this Wyoming employment extrahazardous?
  2. Can DWS determine liability and issue the required coverage statement before my first day on the project?
  3. If I elect coverage for an owner, what quarter start date and eight-quarter commitment apply?
  4. For temporary work outside Wyoming, does the host state still require its own policy or endorsement?

Workers’ Compensation in Wyoming: FAQ

Does every Wyoming employer need workers’ compensation? 1,2

No. Wyoming’s compulsory system covers employees in statutory extrahazardous industries; employers outside those categories may elect coverage. All businesses performing work in Wyoming must register so DWS can determine liability. 1,2

Are Wyoming business owners covered by workers’ compensation? 1,3

Not automatically. Sole proprietors, partners, corporate officers and LLC members are excluded unless the business elects coverage for them in writing under the state’s timing rules. 1,3

Workers’ Compensation in Other States

Other Coverage in Wyoming

Sources

  1. Wyoming Statutes, Title 27, Labor and Employment. Wyoming Legislature; §§ 27-14-102(a)(vii)–(viii), 27-14-108(a), (j)–(k). Accessed 2026-09-28.
  2. New Employers. Wyoming Department of Workforce Services; New to Wyoming or Hiring in Wyoming; registration and statement of coverage before starting work. Accessed 2026-09-28.
  3. Wage Reporting & Coverage. Wyoming Department of Workforce Services; Wage Reporting Exemptions; Owner and Officer Coverage; Employees Working Out of State. 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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