Wyoming Insurance All Your Needs in One Place

Homeowners insurance gives you a backup plan if your house or property is damaged or destroyed by a covered disaster. Whether it's a fire, an electrical storm, a windstorm, or a rash of burglaries, having a suitable homeowners insurance policy in Wyoming can bring the peace of mind that comes from knowing that the policy can absorb financial losses. These policies typically include dwelling insurance, contents insurance, liability insurance, and loss of use insurance.

Be aware that although earthquakes present a very real hazard in Wyoming, this hazard is not covered by homeowners insurance. Fortunately, you may be able to purchase an earthquake endorsement or an earthquake insurance policy to be protected against this hazard as well.

Talk to a local independent insurance agent for help finding the best and most affordable policy to cover your Wyoming home.

All vehicle owners in Wyoming are required to carry a car insurance policy that will pay for other people's injuries and property damage if the insured driver is responsible for a collision. This is called car liability insurance. In Wyoming, all policies must include, at a minimum:

• $25,000 worth of bodily injury liability coverage per person
• $50,000 worth of bodily injury liability coverage per accident
• $20,000 worth of property damage liability coverage per accident

In addition to this mandatory coverage, you can obtain even more protection by purchasing coverage options such as:

• Collision coverage
• Comprehensive coverage 
• Uninsured motorists coverage
• Medical payments, and more

Contact an independent insurance agent in Wyoming for help finding suitable coverage at a competitive price.

Business insurance can either be purchased as a business owners policy, which provides basic coverage that is suitable for most small businesses, or as a business insurance package policy, which can be customized to meet more complex coverage needs. This insurance is designed to protect companies in Wyoming against financial losses related to potential hazards like damaging weather events, fires, property crimes, and liability lawsuits.

A local independent insurance agent can help you do a complete risk assessment of your business and can recommend the best and most affordable policies to protect your company against losses related to each identified exposure.

When it comes to workers' compensation insurance, Wyoming is what is known as a monopolistic state. Wyoming operates an exclusive state fund from which worker's comp coverage must be purchased. Insurance companies may not sell worker's compensation insurance in Wyoming, and employers may not self-insure. 

All employers must buy Wyoming workers’ compensation insurance through Employer Services at the Department of Workforce Services. Talk to an independent insurance agent in Wyoming to find the coverage you need.

A typical restaurant insurance policy in Wyoming includes commercial general liability insurance, commercial property insurance, and business interruption insurance. A local independent agent can ensure that your policy includes all the coverage you need such as spoilage insurance and if your restaurant serves alcoholic beverages, liquor liability insurance. You will also be required to cover your employees with workers' compensation insurance.

Consult a local independent insurance agent for help finding suitable coverage for your restaurant in Wyoming.

If your business owns a vehicle or fleet of vehicles, they will need to be covered by a commercial vehicle insurance policy. Your policy may include the following types of coverage: 

• Bodily injury liability (this is required)
• Property damage liability (this is required)
• Collision and comprehensive coverage (these are optional)
• Medical payments coverage (this is optional)

There may be other appropriate options available depending on the type of business vehicle(s) your company owns. Insurance companies offer policies tailored to the specific needs of businesses in Wyoming. Let a local independent insurance agent help you find the best coverage.

Wyoming has seen its fair share of natural disasters. Whether your hotel caters to tourists, business executives, or just people traveling through, you will want to make sure that you have solid hotel insurance that protects against all the risks that could cause your hotel large financial losses. The most common insurance claims filed by hotels in Wyoming include:

• Property damage caused by severe weather events
• Business interruption losses due to property damage
• Fire and smoke damage
• Liability lawsuits related to accidents on the hotel premises
• Data breaches

Make sure that your Wyoming hotel is suitably covered against all potential risks by contacting an independent insurance agent near you.

Umbrella insurance in Wyoming works to extend and expand the existing liability coverage you already have through other policies like homeowners insurance, auto insurance, or commercial general liability insurance. Umbrella insurance is secondary coverage, so it does not kick in until the liability coverage offered by your primary insurance policy has been exhausted. This coverage is typically purchased in million-dollar increments.

If you have a lot to lose and want to learn more about how an umbrella insurance policy can protect your assets, contact an independent insurance agent in Wyoming for a free consultation.  

Similar to home insurance, renters insurance in Wyoming helps renters protect their financial interests in three important ways:

• It covers your personal property against loss or damage caused by hazards like theft and fire.
• It covers extra living expenses if you are displaced from your rental home due to damage caused by a covered event.
• It covers related costs if you accidentally cause someone else to experience injuries or property damage.  

You can easily find an affordable renters insurance policy in Wyoming by talking with a local independent insurance agent.

It is best to be prepared for the unthinkable. Anyone who has people who are financially dependent on them can protect their loved ones by investing in a life insurance policy. Similarly, a stay-at-home parent may want to protect their family's financial interests with a policy because the cost of child care in their absence could present a financial burden.

Even those without dependents can benefit from having a life insurance policy in Wyoming because they can be used to cover burial expenses, estate settlement, or even as a way to save for retirement.

Young people are in the best position to lock in a low rate on a permanent life insurance policy while they are still healthy. Great rates become more difficult to obtain as people age; however, even if you are not in good health, you can usually find an affordable term life policy to protect your family. To learn more, talk to an independent insurance agent near you.

Yes. There are currently 27 independent insurance agencies located throughout the state of Wyoming. Use our handy search tool to be matched up with an independent insurance agent near you.