Do I need workers compensation insurance?

Workers Compensation Insurance Requirements in Wyoming

As of 2026, Wyoming requires most employers to carry workers compensation insurance. This insurance provides coverage for employees who suffer work-related injuries or illnesses, helping cover medical expenses and lost wages.

Who Must Carry Workers Compensation Insurance?

• Employers with one or more employees: Generally, businesses with at least one employee must obtain workers compensation insurance.
• Exceptions: Sole proprietors and partners without employees may not be required to carry this insurance but can opt in voluntarily.
• Construction and specific industries: Certain industries, such as construction, may have additional reporting or insurance requirements.

Operational Considerations

• Business Registration: Ensure your business is properly registered with Wyoming state agencies to comply with insurance requirements.
• Insurance Providers: Obtain coverage through the Wyoming Workers’ Compensation Division or authorized private insurers.
• Payroll and Recordkeeping: Maintain accurate employee records and payroll documentation to support compliance and claims processing.
• Employee Classification: Correctly classify employees and independent contractors to determine insurance needs.
• Reporting Requirements: Stay current with injury reporting and insurance premium payments to avoid penalties.

Next Steps for Wyoming Employers

Contact the Wyoming Department of Workforce Services or a licensed insurance agent to secure appropriate workers compensation coverage. Integrate insurance management into your overall compliance and risk management processes to protect your business and employees.