Business Insurance in Wyoming

From Cheyenne to Jackson, Selective and your independent agent can help protect your Wyoming business with a commercial insurance policy tailored to your unique needs.

Wyoming's economy is driven by industries like energy, construction, agriculture, tourism, and small business services. In the Equality State, business owners and managers need the right insurance coverage to protect their operations and prepare for the unexpected.

Whether you operate a contracting firm in Casper, a retail business in Sheridan, or a professional office in Gillette, Selective has you covered.

With trusted independent agency partners across Wyoming, Selective can provide a comprehensive insurance solution that fits your unique needs. Find a local Wyoming insurance agent today to learn more about your coverage options and to get a quote.

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Businesses We Insure in Wyoming

At Selective, we offer commercial insurance to over 400 types of businesses. Alongside our independent agency partners, we are proud to serve Wyoming businesses of almost any size, including but not limited to:

Contractors: General contractors (residential and commercial), electrical, building services, excavation and grading of land, water and sewer, street and road, painting and paper hanging
Manufacturers and Wholesalers: Electronics and electrical equipment, fabricated metals, industrial machinery, technology, furniture and fixtures
Professional Offices: Law firms, advertising agencies, medical offices, real estate agencies, architects, accounting firms
Mercantile Services: Retail food & fine dining, retail goods, building owners/lessors risk, funeral homes
Auto Services: Including repair shops and body shops
Community and Public Services: Social services, municipalities, volunteer fire departments, private schools, senior living facilities, religious institutions

Don't see your profession or want more information? Find a local independent agent in Wyoming for answers and a business insurance quote.

“First rate. Professional service. I will definitely recommend Selective to any friends shopping for a new insurer.”

- Business Insurance Customer

Insurance Coverages for Wyoming Business Owners

While no one knows your business like you do, Selective and your independent agent can help you mitigate your unique risks with a personalized commercial insurance solution built around essential coverages:

Business Owners Policy (BOP)

A BOP bundles property, liability, and business income insurance into a single, budget-friendly package. This convenient insurance solution from Selective offers broad coverage that can help protect your business against losses related to property damage, lawsuits, or other incidents.

Business Interruption

Business interruption insurance helps protect your company against income loss if certain covered losses force you to suspend your operations. It may also cover rent or lease payments, relocation costs, employee wages, taxes, and loan payments until you reopen. Business interruption insurance does not typically cover damages or losses from flooding, earthquakes, and mudslides, although you may be able to purchase additional coverage for these risks.

General Liability Insurance

General liability insurance helps protect your company from certain liability claims such as allegations of third-party property damage, bodily injury, false arrest, and slander or libel. It may also help pay for legal fees related to lawsuits against your company and medical costs if someone sustains a bodily injury on your business property.

Property Insurance

Commercial property insurance can help to protect your company's physical assets, such as business equipment, inventory, and furniture. Property insurance can help with repair or replacement costs and keep your business going if a fire, vandalism, or other covered risk causes structural damage to your insured building or its contents.

Commercial Auto Insurance

If your Wyoming business uses vehicles for operations — whether company-owned trucks, service vans, or a fleet of delivery vehicles — commercial auto insurance can help protect your business against liability and physical damage losses involving those vehicles.

Umbrella/Excess Liability Insurance

An umbrella policy provides an additional layer of liability protection above and beyond your underlying commercial general liability, commercial auto, and employers' liability policies, helping to protect your business from catastrophic claims.

Why Choose Selective for Your Wyoming Business

Local Independent Agents

Our Wyoming-based independent insurance agents understand the unique challenges and opportunities facing businesses in your community. They're here to help you find the right coverage and support your growth.

Customized Coverage Options

From property and liability to commercial auto and umbrella coverage, we offer a wide range of insurance products to meet the needs of Wyoming businesses of all sizes.

Responsive Claims Service

When the unexpected happens, our claims team is ready so you can get back to business.

Risk Management Expertise

We help you identify and manage risks with tools and resources tailored to your industry.

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Frequently Asked Questions About Wyoming Business Insurance

How much does commercial insurance cost in Wyoming?

Commercial insurance costs in Wyoming vary from business to business. Factors that can affect your cost include (but are not limited to) your location, payroll, number of employees, industry, and the types of vehicles you own. Your local independent insurance agent can help you assess your risks and customize a commercial insurance policy that adequately protects your needs.

Does Wyoming require workers' compensation insurance?

Yes, Wyoming requires most employers to provide workers' compensation coverage for their employees. However, Wyoming is a monopolistic state, which means employers must obtain workers' compensation insurance through the Wyoming Department of Workforce Services — not through a private carrier.

While Selective does not offer workers' compensation insurance in Wyoming, we can help protect your business with a comprehensive commercial insurance package covering your other essential needs, or with workers’ compensation coverage for operations that span into other states. Your independent agent can help you navigate the workers' compensation requirements in Wyoming alongside your Selective commercial policy.

What types of businesses does Selective insure in Wyoming?

Selective offers commercial insurance to over 400 types of businesses in Wyoming, including contractors, manufacturers and wholesalers, professional offices, mercantile services, automotive service providers, and community assistance programs. Whether you operate a small business or a mid-market enterprise, our independent agents can tailor a policy to your unique needs.