Our research shows the best business insurance options vary by state and business needs. Below are answers to common questions about general liability insurance in Wyoming, backed by MoneyGeek's analysis:
Best General Liability Insurance in Wyoming
The Hartford leads Wyoming for the best and cheapest general liability coverage, with rates starting at $75 per month.
Get matched to the best and cheapest general liability insurer for you below.
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Updated: November 21, 2025
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Commercial General Liability Insurance in Wyoming: Fast Answers
Which company offers the best general liability insurance in Wyoming?
The Hartford ranks as the best general liability insurance company in Wyoming with a 4.64 overall score out of 5. It offers the most affordable coverage at $75 per month and delivers strong claims handling. NEXT comes in second with a 4.58 score, providing excellent digital tools and customer support for $95 per month.
Who offers the cheapest general liability insurance in Wyoming?
The cheapest general liability insurance companies in Wyoming are:
- The Hartford: $75 per month
- Simply Business: $89 per month
- Nationwide: $90 per month
- Progressive: $92 per month
- NEXT: $95 per month
Do Wyoming businesses legally need general liability insurance?
Wyoming doesn't legally mandate general liability insurance for most businesses statewide. However, some licensed contractors and trades may have coverage requirements and local municipalities can set their own rules. Most landlords and clients also require proof of insurance before finalizing contracts or leases.
How much does general liability insurance cost in Wyoming?
General liability insurance costs between $15 and $851 per month for small Wyoming businesses with two employees. Drone services usually pay the lowest rates, while pressure washing companies see the highest premiums. Your actual cost depends on your industry’s risk level, business location, coverage amounts and company size.
Best General Liability Insurance Companies in Wyoming
The Hartford is our top choice for general liability insurance in Wyoming, offering an excellent balance of affordability and customer service for small businesses. NEXT also performs well, excelling in customer service among Wyoming providers. Nationwide completes our recommendations with strong stability and competitive affordability for business owners seeking reliable coverage.
| The Hartford | 4.64 | $75 |
| NEXT Insurance | 4.58 | $95 |
| Nationwide | 4.53 | $90 |
| Simply Business | 4.49 | $89 |
| Coverdash | 4.38 | $96 |
| Thimble | 4.35 | $99 |
| biBERK | 4.30 | $106 |
| Progressive Commercial | 4.28 | $92 |
| Chubb | 4.27 | $110 |
| Hiscox | 4.19 | $106 |
How Did We Determine These Rates?
These rates reflect MoneyGeek's analysis of small businesses with two employees across 79 major industries. Actual rates vary based on your business location, industry risk factors, claims history, coverage limits and individual insurer underwriting criteria. Contact insurers directly for personalized quotes.
Get Matched to the Best Cheap Wyoming General Liability Insurer
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LEARN MORE ABOUT THE BEST BUSINESS INSURANCE IN WYOMING
General liability insurance covers customer injuries and property damage for your Wyoming business, but it won't protect against every risk your business may encounter. Explore these additional coverage options:
Best Wyoming General Liability Insurance Reviews
Finding the best general liability insurance in Wyoming means looking beyond affordable rates to consider coverage quality and customer service. Our research analyzed top business insurers to help you make the right choice.
The Hartford
Best Wyoming General Liability Insurer
MoneyGeek Rating
4.6/ 5
4.6/5Affordability
4.6/5Customer Experience
4.7/5Coverage Points
Average Monthly General Liability Premium
$75These rates are for small businesses with two employees across 79 major industries or business types and focus solely on general liability policies.Our Survey: Claims Process
4.5/5Our Survey: Likely to Be Recommended to Others
4.5/5
NEXT
Best Wyoming Commercial General Liability: Runner-Up
MoneyGeek Rating
4.6/ 5
4.3/5Affordability
4.7/5Customer Experience
4.8/5Coverage Points
Average Monthly General Liability Premium
$95These rates are for small businesses with two employees across 79 major industries or business types and focus solely on general liability policies.Our Survey: Claims Process
3.9/5Our Survey: Likely to Be Recommended to Others
4.8/5
Cheapest General Liability Insurance Companies in Wyoming
The Hartford provides the cheapest general liability insurance in Wyoming at $75 per month, saving businesses $20 or 20.5% compared to the state average. Simply Business and Nationwide also offer affordable coverage options for Wyoming businesses.
| The Hartford | $75 | $906 |
| Simply Business | $89 | $1,062 |
| Nationwide | $90 | $1,076 |
| Progressive Commercial | $92 | $1,109 |
| NEXT Insurance | $95 | $1,143 |
| Coverdash | $96 | $1,147 |
| Thimble | $99 | $1,191 |
| Hiscox | $106 | $1,268 |
| biBERK | $106 | $1,269 |
| Chubb | $110 | $1,318 |
How Did We Determine These Rates?
These rates reflect small businesses with two employees across 79 major industries and focus solely on general liability policies. Your premium depends on where your business is located, what industry you're in, how much coverage you choose and other factors insurers consider. Available options differ by state.
Cheapest General Liability Insurance in Wyoming by Industry
MoneyGeek's research identifies the cheapest general liability insurance providers across industries in Wyoming.
- The Hartford wins affordability in 22 industries, more than any other provider in Wyoming. The company offers cheap rates for construction, cleaning, food trucks, security services and transportation businesses.
- Simply Business and Thimble each lead in 11 industries for affordable general liability coverage. Simply Business excels with professional services like accountants, consulting and software companies, while Thimble dominates service sectors including bakeries, HVAC and roofing.
- biBerk ranks as the cheapest provider across 10 Wyoming industries. The company performs well for contractors, engineering firms, hospitality businesses and veterinary services.
- Coverdash and NEXT each offer the most affordable rates in seven industries. Coverdash leads in auto repair, restaurants and trucking, while NEXT provides cheap coverage for dental practices, photography and tech companies.
Data filtered by:
Select
| Accountants | Simply Business | $13 | $160 |
| Bakery | Thimble | $88 | $1,055 |
| Ad Agency | Thimble | $92 | $1,106 |
| Automotive | Coverdash | $102 | $1,225 |
| Auto Repair | Coverdash | $107 | $1,281 |
| Barber | Thimble | $91 | $1,094 |
| Bounce House | The Hartford | $51 | $611 |
| Beauty Salon | Progressive Commercial | $104 | $1,249 |
| Catering | biBERK | $158 | $1,895 |
| Candle | Simply Business | $89 | $1,068 |
| Cannabis | The Hartford | $49 | $585 |
| Construction | The Hartford | $120 | $1,437 |
| Cleaning | The Hartford | $92 | $1,104 |
| Coffee Shop | Thimble | $87 | $1,038 |
| Computer Programming | Thimble | $91 | $1,094 |
| Computer Repair | The Hartford | $34 | $412 |
| Contractor | biBERK | $189 | $2,271 |
| Consulting | Simply Business | $13 | $160 |
| Courier | The Hartford | $154 | $1,845 |
| Dental | NEXT Insurance | $12 | $140 |
| Daycare | The Hartford | $24 | $284 |
| DJ | Simply Business | $11 | $128 |
| Ecommerce | Simply Business | $89 | $1,068 |
| Dog Grooming | Thimble | $33 | $399 |
| Drone | The Hartford | $12 | $141 |
| Excavation | biBERK | $344 | $4,127 |
| Electrical | Nationwide | $94 | $1,128 |
| Engineering | biBERK | $16 | $187 |
| Food Truck | The Hartford | $102 | $1,226 |
| Florist | Simply Business | $28 | $341 |
| Food | Progressive Commercial | $98 | $1,175 |
| Gardening | Coverdash | $89 | $1,065 |
| Funeral Home | NEXT Insurance | $41 | $491 |
| Home-based | The Hartford | $16 | $193 |
| Handyman | biBERK | $162 | $1,943 |
| Home-based | NEXT Insurance | $43 | $510 |
| Hospitality | biBERK | $130 | $1,558 |
| Janitorial | Nationwide | $90 | $1,083 |
| HVAC | Thimble | $100 | $1,198 |
| Junk Removal | The Hartford | $117 | $1,401 |
| Jewelry | Thimble | $152 | $1,824 |
| Lawn/Landscaping | Progressive Commercial | $88 | $1,058 |
| Marine | The Hartford | $22 | $260 |
| Lawyers | Simply Business | $13 | $160 |
| Manufacturing | Nationwide | $19 | $222 |
| Massage | Hiscox | $85 | $1,024 |
| Mortgage Broker | NEXT Insurance | $15 | $176 |
| Painting | The Hartford | $102 | $1,224 |
| Moving | The Hartford | $88 | $1,058 |
| Nonprofit | biBERK | $24 | $293 |
| Pest Control | The Hartford | $23 | $279 |
| Party Rental | Chubb | $88 | $1,055 |
| Personal Training | The Hartford | $17 | $206 |
| Pharmacy | biBERK | $94 | $1,123 |
| Pet | Thimble | $33 | $399 |
| Photography | NEXT Insurance | $12 | $148 |
| Plumbing | Simply Business | $251 | $3,008 |
| Physical Therapy | Nationwide | $19 | $222 |
| Pressure Washing | Coverdash | $877 | $10,529 |
| Real Estate | Nationwide | $111 | $1,333 |
| Retail | Progressive Commercial | $85 | $1,017 |
| Restaurant | Coverdash | $92 | $1,101 |
| Roofing | Thimble | $192 | $2,303 |
| Security | The Hartford | $102 | $1,219 |
| Snack Bars | biBERK | $95 | $1,140 |
| Speech Therapist | Nationwide | $19 | $222 |
| Software | Simply Business | $13 | $160 |
| Spa/Wellness | Progressive Commercial | $99 | $1,183 |
| Speech Therapist | Simply Business | $19 | $222 |
| Tech/IT | NEXT Insurance | $15 | $176 |
| Startup | Simply Business | $13 | $160 |
| Tree Service | The Hartford | $94 | $1,123 |
| Transportation | The Hartford | $29 | $346 |
| Travel | The Hartford | $15 | $175 |
| Trucking | Coverdash | $94 | $1,124 |
| Wholesale | Coverdash | $31 | $375 |
| Tutoring | Thimble | $91 | $1,094 |
| Veterinary | biBERK | $23 | $276 |
| Wedding Planning | NEXT Insurance | $11 | $134 |
| Welding | The Hartford | $124 | $1,485 |
| Window Cleaning | The Hartford | $118 | $1,421 |
Average Cost of General Liability Insurance in Wyoming
Most small businesses in Wyoming pay around $95 monthly for general liability insurance. The average cost of general liability coverage depends on your industry, business size, location and coverage limits.
Manufacturing companies tend to pay higher premiums due to increased risk exposure. Accounting firms often pay less because they have lower liability risks. Sole proprietors usually pay less than businesses with employees since they have fewer risk factors.
Average Cost of General Liability Insurance in Wyoming by Industry
General liability insurance in Wyoming costs as little as $15 monthly for drone businesses and up to $851 for pressure washing companies. The wide range shows how your industry affects your general liability coverage rates. Review this table to find affordable options for your specific business type.
Data filtered by:
Select
| Accountants | $20 | $246 |
| Ad Agency | $33 | $394 |
| Automotive | $50 | $594 |
| Auto Repair | $141 | $1,695 |
| Bakery | $84 | $1,007 |
| Barber | $41 | $494 |
| Beauty Salon | $62 | $745 |
| Bounce House | $65 | $783 |
| Candle | $51 | $612 |
| Cannabis | $62 | $747 |
| Catering | $82 | $978 |
| Cleaning | $123 | $1,477 |
| Coffee Shop | $83 | $1,000 |
| Computer Programming | $27 | $324 |
| Computer Repair | $44 | $531 |
| Construction | $163 | $1,956 |
| Consulting | $20 | $245 |
| Contractor | $237 | $2,842 |
| Courier | $182 | $2,179 |
| Daycare | $31 | $367 |
| Dental | $20 | $240 |
| DJ | $24 | $282 |
| Dog Grooming | $59 | $708 |
| Drone | $15 | $186 |
| Ecommerce | $68 | $816 |
| Electrical | $104 | $1,254 |
| Engineering | $37 | $444 |
| Excavation | $433 | $5,192 |
| Florist | $40 | $477 |
| Food | $100 | $1,201 |
| Food Truck | $132 | $1,580 |
| Funeral Home | $56 | $673 |
| Gardening | $104 | $1,253 |
| Handyman | $227 | $2,722 |
| Home-based | $22 | $265 |
| Home-based | $43 | $510 |
| Hospitality | $61 | $727 |
| HVAC | $228 | $2,735 |
| Janitorial | $127 | $1,529 |
| Jewelry | $37 | $450 |
| Junk Removal | $151 | $1,812 |
| Lawn/Landscaping | $112 | $1,341 |
| Lawyers | $21 | $254 |
| Manufacturing | $59 | $713 |
| Marine | $26 | $313 |
| Massage | $89 | $1,069 |
| Mortgage Broker | $21 | $255 |
| Moving | $115 | $1,383 |
| Nonprofit | $33 | $400 |
| Painting | $134 | $1,604 |
| Party Rental | $74 | $886 |
| Personal Training | $22 | $266 |
| Pest Control | $30 | $359 |
| Pet | $52 | $625 |
| Pharmacy | $57 | $689 |
| Photography | $22 | $269 |
| Physical Therapy | $103 | $1,230 |
| Plumbing | $336 | $4,031 |
| Pressure Washing | $851 | $10,207 |
| Real Estate | $49 | $593 |
| Restaurant | $135 | $1,617 |
| Retail | $61 | $729 |
| Roofing | $361 | $4,327 |
| Security | $129 | $1,551 |
| Snack Bars | $109 | $1,309 |
| Software | $24 | $294 |
| Spa/Wellness | $99 | $1,190 |
| Speech Therapist | $29 | $348 |
| Startup | $27 | $319 |
| Tech/IT | $25 | $294 |
| Transportation | $35 | $419 |
| Travel | $19 | $233 |
| Tree Service | $121 | $1,447 |
| Trucking | $95 | $1,144 |
| Tutoring | $28 | $338 |
| Veterinary | $42 | $499 |
| Wedding Planning | $26 | $309 |
| Welding | $153 | $1,839 |
| Wholesale | $42 | $498 |
| Window Cleaning | $148 | $1,776 |
How Did We Determine These Rates?
These rates reflect small businesses with two employees across 79 major industries and focus solely on general liability policies. Your premium depends on where your business is located, what industry you're in, how much coverage you choose and other factors insurers consider. Available options differ by state.
What Factors Affect Wyoming General Liability Insurance Costs?
Several key factors determine what Wyoming businesses pay for general liability insurance coverage.
Wyoming Legal and Regulatory Environment
Wyoming's legal environment creates mixed effects on general liability rates. The state constitution prohibits damage caps, allowing unlimited awards that increase insurers' exposure to catastrophic claims. Wyoming's 51% comparative negligence bar prevents recovery if plaintiffs are more than half at fault.
Pure several liability means businesses pay only their proportionate share of damages. The four-year statute of limitations for personal injury claims requires insurers to maintain reserves longer than states with shorter periods, moderately increasing costs.
Wyoming Weather and Natural Disaster Exposure
Wyoming sits in “Hail Alley,” seeing seven to nine hail days each year and ranking among the three states with the most hailstorms. Wind and hail claims average $11,695 per incident, contributing to $149,107,600 in insurer losses from 2015 to 2019.
Businesses can encounter premises liability when hail damages customer vehicles, winter storms create slip-and-fall hazards and wildfires threaten properties. Frequent severe storms and high winds increase property damage liability, forcing insurers to price policies for year-round weather-related claims.
Wyoming Geographic Location Differences
Wyoming business location affects premium costs. Urban areas like Cheyenne and Casper experience different rates than rural locations due to varying claim frequencies and access to legal services. Urban businesses tend to have more customer interactions and higher claim frequency, which increases rates.
Tourist areas like Jackson Hole encounter visitors unfamiliar with altitude, weather, and wildlife hazards, driving up liability exposure. Rural locations have fewer claims but often deal with longer emergency response times and unpredictable jury verdicts. These location factors create premium variations of 20% to 30% across Wyoming.
Wyoming Industry and Economic Composition
Wyoming's energy industry can encounter liability from industrial accidents involving third parties and property damage during extraction operations. The tourism industry encounters liability from visitor injuries at recreational facilities and activity-related incidents. Major construction activity in infrastructure and renewable energy continues through 2024, with rates rising in 2025.
This concentration in high-risk industries elevates baseline general liability exposure statewide, pushing rates higher. All Wyoming businesses see rate increases as insurers adjust pricing models based on the state's overall industry mix and claims experience.
How Much General Liability Insurance Do I Need in Wyoming?
Wyoming has minimal statewide requirements for commercial general liability insurance. Unlike most states, Wyoming doesn't mandate general liability coverage for most businesses at the state level.
However, specific industries working with state agencies must carry coverage, and local municipalities like Cheyenne, Casper and Gillette often require contractors to maintain liability insurance as part of their licensing process, though these are administrative prerequisites rather than statutory mandates.
Wyoming mandates general liability insurance for two specific business categories:
Wyoming public liability insurance requirements for film and production companies
Wyoming requires all production companies to purchase $1,000,000 in general liability insurance, naming the State of Wyoming and its employees as additional insured. Production companies must carry this insurance for any film or video work performed in the state.
Wyoming public liability insurance requirements for WYDOT contractors
Contractors bidding on Wyoming Department of Transportation projects must provide $1,000,000 per occurrence and $2,000,000 general aggregate in commercial general liability insurance. WYDOT also requires Employees Liability "Stop Gap" coverage of at least $500,000 per employee.
Note: State insurance requirements change regularly. Check current rules with the Wyoming Department of Insurance or a licensed agent before selecting coverage.
How to Choose the Best General Liability Insurance in Wyoming
Getting business insurance in Wyoming starts with matching your coverage to your industry's specific risks and budget. General liability insurance protects your business from customer injury claims and property damage lawsuits, but the best business insurance includes additional coverages like professional liability or commercial property for fuller financial protection.
- 1Determine Coverage Needs
Wyoming doesn't mandate general liability insurance for most businesses, though film production companies and WYDOT contractors must carry specific minimums. Most Wyoming small businesses choose $1 million per occurrence and $2 million aggregate, which satisfies typical client and landlord requirements in cities like Cheyenne and Casper.
Your general liability limits should match your industry's risk level, contract requirements and the potential cost of lawsuits in Wyoming's legal environment. Reviewing your business insurance coverage needs can help you choose limits that offer adequate financial protection.
- 2Prepare Business Information
Wyoming insurers calculate premiums based on business classification codes, annual revenue, employee count and your physical location within the state. Have your Wyoming Secretary of State registration, EIN and recent tax returns ready before requesting quotes so you get accurate pricing.
A construction contractor in Cheyenne often pays more than a graphic designer in Laramie because construction work carries higher injury and property damage risks.
- 3Compare Multiple Quotes
Request quotes from at least three insurers licensed by the Wyoming Department of Insurance to understand the cost of your coverage based on your specific industry. Wyoming businesses pay an average of $95 monthly for general liability insurance, though rates range from $15 for drone operators to $851 for pressure washing companies depending on risk exposure.
Compare annual premiums, deductibles, defense cost structures and whether policies include additional insured endorsements at no extra charge.
- 4Look Beyond Premium
Cheap business insurance often includes restrictive exclusions that leave Wyoming business owners exposed during claims. Review whether policies cover legal defense costs outside the policy limit or if defense expenses reduce available coverage.
Common exclusions affecting Wyoming businesses include pollution liability for energy sector companies, professional errors for consultants and damage from extreme weather events requiring separate property coverage.
- 5Verify Insurer Legitimacy
Check that insurers hold active licenses through the Wyoming Department of Insurance website and review their AM Best financial strength ratings. Wyoming allows out-of-state insurers to operate, so verify companies maintain adequate reserves to pay claims during economic downturns.
Check complaint ratios through the National Association of Insurance Commissioners to identify insurers with poor claims-handling track records in Wyoming.
- 6Ask About Discounts
Wyoming insurers commonly offer 10% to 25% discounts for bundling general liability with commercial auto or property insurance policies. Claims-free histories, safety training programs and paying annual premiums upfront can reduce costs further.
Some carriers provide additional discounts for Wyoming businesses that implement workplace safety measures or maintain professional certifications relevant to their industry.
- 7Get Certificate of Insurance
Most Wyoming landlords, general contractors and government agencies require certificates of insurance before allowing business operations or project work. Insurers can issue COIs naming required parties as additional insureds, usually within 24 to 48 hours of requests.
Keep your agent's contact information accessible for urgent certificate needs, especially when bidding on time-sensitive contracts in Wyoming's energy or construction sectors.
- 8Review Coverage Annually
Reassess general liability coverage 60 to 90 days before renewal, after hiring employees, expanding operations or adding new service offerings in Wyoming.
Growing businesses increase their risk exposure and may trigger higher premiums during policy audits if coverage doesn't match current operations. Compare quotes from competing insurers annually to ensure rates remain competitive as Wyoming's insurance market fluctuates.
Top General Liability Insurance in Wyoming: Bottom Line
Finding the right general liability insurance in Wyoming starts with knowing your specific business needs and thoroughly researching available options. The Hartford, NEXT and Nationwide emerge as leading providers, but your ideal choice depends on your industry, company size, and budget constraints. Compare quotes from multiple insurers and verify their credentials to make the most informed decision for your business.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
sources
- Constitution of the State of Wyoming. "Article 10, Section 4." Accessed December 15, 2025.
- Justia Law. "2024 Wyoming Statutes Title 1 - Code of Civil Procedure Chapter 1 - Section 1-1-109 - Comparative Fault." Accessed December 15, 2025.
- NOAA National Severe Storms Laboratory. "Severe Weather 101: Hail Basics." Accessed December 15, 2025.