Wyoming contractor insurance requirements

Workers' comp in Wyoming

Wyoming employers covered by the Workers' Compensation Act must register and buy coverage from the state fund before starting work. Private carriers and self-insurance aren't options.

The agency in charge is the Wyoming Department of Workforce Services. It can tell you whether a specific business needs coverage, and most states let you look up an employer's policy online.

Contractor licensing and insurance

We found no statewide general liability minimum tied to a general contractor license. Wyoming has no statewide general contractor license. Cities and counties can set their own licensing and insurance rules, so check where the project is.

Indemnity and additional insured clauses

Wyoming has no general construction anti-indemnity statute. Courts there generally enforce a clause that covers a party's own negligence only when the clause says so clearly (see United Pacific Resources Co. v. Dolenc, 86 P.3d 1287 (Wyo. 2004)).

What to check on a contractor COI for a Wyoming project

1. Workers' comp. Wyoming workers' comp comes only from the state fund, so a private carrier's workers' comp line on the COI doesn't cover work there. Ask for the state fund certificate, and look for stop gap employers liability, which is usually added to the general liability policy.
2. General liability. Wyoming doesn't set a statewide floor for a general contractor license, so your project requirements set the bar. Compare each limit on the COI with what the contract asks for.
3. Additional insured. The endorsement is a separate promise from the indemnity clause, so check both. Ask for the endorsement itself, not just a box ticked on the certificate.
4. Dates. Every policy should run through the end of the job. A COI only shows coverage on the day it was issued, so check again at each renewal.

Forsured checks every contractor COI against your project requirements, then keeps checking for the life of the project. Send us one project's requirements and a contractor COI or two for a free COI risk check.