Wyoming workers’ comp and subcontractor insurance requirements
What general contractors, property managers and other businesses hiring subcontractors in Wyoming need to know: who has to carry workers’ comp, when you’re on the hook for an uninsured sub, and what to collect before work starts.
Wyoming at a glance
| Who must carry workers’ comp | Employers in occupations the state lists as extra-hazardous, which includes construction. |
|---|---|
| Where coverage comes from | State fund only (monopolistic state), or approved self-insurance |
| Regulator | Wyoming Department of Workforce Services, Workers’ Compensation |
Are you liable for an uninsured sub in Wyoming?
Many states make a hiring contractor responsible for an uninsured subcontractor’s injured workers. Ask the Wyoming Department of Workforce Services, Workers’ Compensation or an attorney how that works in Wyoming.
Separately, your own workers’ comp premium auditor may charge you for an uninsured sub’s payroll. Collecting a current certificate for every sub is the simplest protection. See workers’ comp audits and uninsured subcontractors, or estimate the cost with the workers’ comp audit calculator.
Wyoming-specific things to know
- Workers’ comp comes only from the Wyoming state fund. Ask for proof of state fund coverage instead of a private policy.
- The state fund doesn’t include employers’ liability. Subs buy “stop gap” coverage separately.
What to collect from subcontractors in Wyoming
- A certificate of insurance, usually an ACORD 25, for GL, auto and umbrella, plus state fund proof of workers’ comp.
- Exemption paperwork for sole proprietors or officers who claim they don’t need workers’ comp under Wyoming rules.
- Additional insured and waiver of subrogation endorsements for higher-risk trades. See waiver of subrogation on workers’ comp.
- A renewal certificate before each policy expires. See COI expiration.
Common contract minimums
These aren’t set by Wyoming law. They’re typical subcontract requirements that you can adjust by trade and project size.
| Coverage | Typical minimum |
|---|---|
| General liability | $1M each occurrence / $2M aggregate, additional insured, primary and non-contributory |
| Auto liability | $1M combined single limit |
| Umbrella / excess | $1M–$5M+, by trade risk and project size |
| Workers’ comp / employers’ liability | Statutory / $500K–$1M each, waiver of subrogation |
Generate requirements by trade with the subcontractor insurance requirements generator.
Frequently asked questions
Is workers’ comp required in Wyoming?
Employers in occupations the state lists as extra-hazardous, which includes construction. Confirm details with the Wyoming Department of Workforce Services, Workers’ Compensation.
Is a general contractor liable for an uninsured subcontractor in Wyoming?
Many states make a hiring contractor responsible for an uninsured sub’s injured workers, and your workers’ comp auditor may also charge you for that sub’s payroll. Ask the Wyoming Department of Workforce Services, Workers’ Compensation or an attorney how Wyoming handles it.
What insurance should I require from subcontractors in Wyoming?
State law sets workers’ comp rules; your contract sets everything else. Common minimums are general liability of $1M per occurrence and $2M aggregate, auto liability of $1M, workers’ comp with employers’ liability of $500K–$1M, and additional insured status and waiver of subrogation in your favor.
Can a private insurer cover workers’ comp in Wyoming?
No. Wyoming is a monopolistic state, so workers’ comp comes from the state fund (or approved self-insurance). Ask subs for state fund proof of coverage, and for separate “stop gap” employers’ liability.
General information, not legal or insurance advice. Last reviewed October 2026. Rules change, so confirm with the Wyoming Department of Workforce Services, Workers’ Compensation or a licensed professional.
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