Wyoming Workers' Compensation Insurance
Everything you need to know about workers' comp in Wyoming: when it's required, who's exempt, average rates, and how to get coverage in 60 seconds.
When is workers' comp required in Wyoming?
All employers in 'extra-hazardous' industries must obtain coverage through Wyoming Workers' Safety & Compensation Division — monopolistic for those industries.
Sole proprietor & partnership rules
Optional for sole proprietors.
Owner / corporate officer exclusion
Officers may be excluded.
Wyoming-specific notes
Partially monopolistic — extra-hazardous industries (construction, mining, oil/gas) must use the state fund. Other industries can use private carriers.
⚠️ Monopolistic state
Wyoming requires all employers to purchase workers' compensation coverage through the state fund. Private workers' comp insurance is not available. We can help with employer's liability insurance ("stop-gap" coverage) that complements the state fund.
How much does workers' comp cost in Wyoming?
The average workers' comp rate in Wyoming is approximately $1.27 per $100 of payroll. Your actual rate depends on your industry class code, claims history, payroll size, and carrier.
Example: a Wyoming business with $100,000 in payroll at the state average rate would pay approximately $1,270 per year. A clerical-only business (class code 8810) would pay much less; a roofing contractor (5551) would pay much more.
Want an exact rate for your business?
Class code rates vary widely. Get a free quote and we'll look up your exact Wyoming rate for your industry.
Get My Wyoming Quote →Wyoming workers' comp by industry
Industry-specific rates, common class codes, and requirements for Wyoming businesses:
Frequently asked — Wyoming workers' comp
Do I need workers' comp if I have only one employee in Wyoming?
Wyoming requires all employers to obtain coverage through the state fund regardless of employee count.
Are 1099 contractors covered under my Wyoming workers' comp policy?
Generally no — true independent contractors are not employees and not covered. However, Wyoming (like most states) applies an "ABC test" or similar to determine if a 1099 worker is actually a misclassified employee. If they're misclassified, you may owe back premium and penalties. Many general contractors require their 1099 subs to carry their own workers' comp.
Can I get pay-as-you-go workers' comp in Wyoming?
Wyoming uses a state fund, which has its own quarterly reporting/billing model.
What if I'm being audited by my Wyoming workers' comp carrier?
Workers' comp audits often result in additional premium owed because of misclassified employees, missed payroll, or wrong class codes. We offer free audit reviews and can dispute incorrect classifications with your carrier. In many cases we save clients thousands.