Do I need workers compensation insurance?

Workers Compensation Insurance Requirements in Wyoming

In Wyoming, whether you need workers compensation insurance depends on the size and type of your business and your employees.

When Workers Compensation Insurance Is Required

• Employers with three or more employees: If your business has three or more employees, you are generally required to carry workers compensation insurance.
• Construction industry employers: If you operate in the construction industry, the threshold is one or more employees, meaning you must have coverage even if you have only one employee.
• Corporate officers and partners: Corporate officers and partners can choose to be covered or exempt, but this decision should be documented properly in your business records.

Operational Considerations

• Employee classification: Correctly classify your workers as employees or independent contractors to determine coverage requirements accurately.
• Payroll integration: Integrate workers compensation premiums with your payroll system to streamline payments and compliance reporting.
• Recordkeeping: Maintain detailed injury and claim records to support compliance and efficient claims management.
• Insurance providers: Wyoming allows employers to obtain coverage through private insurers or the Wyoming Workers’ Compensation Division.

As of 2026

Check the Wyoming Workers’ Compensation Division website or consult with a licensed insurance agent to confirm current thresholds and coverage options, as rules and exemptions may change.