The A-Z guide to Wyoming Workers' Comp

Wyoming Workers’ Compensation Rules and Regulations

Name: Workers' Compensation Insurance for Wyoming
Brand: Kickstand Insurance
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Wyoming workers’ compensation rules and regulations mandate that all businesses have workers’ comp insurance coverage for their employees. Wyoming is a monopolistic state, which means businesses have to buy this insurance from the state government, not from private companies.

Required with

1 employee

Self-employed workers aren’t required to have a workers’ comp policy.

The following are exempt:

Private nurses
Professional athletes, depending on circumstances
Real estate brokers and agents
Commission-based workers or independent contractors
Domestic workers, like nannies and maids
Agricultural workers and farmers
Sole proprietors, LLC members, and partnerships

Is workers’ comp insurance required in Wyoming?

Yes. According to Wyoming workers’ compensation rules and regulations, workers’ compensation insurance is required for all businesses with at least one employee. Employers must obtain insurance from the State of Wyoming Workers Compensation Program, offering coverage for medical care and everyday living expenses during recovery.

Do you need workers’ compensation coverage if you’re self-employed?

While self-employed workers aren’t required to have workers’ compensation coverage, they can opt-in as independent contractors or with private insurance carriers.

Independent contractors must pass tests with the Wyoming Department of Labor and Industries to prove their status before being allowed coverage under workers’ comp insurance.

Who is exempt from Wyoming workers’ comp insurance requirements?

Those exempt from Wyoming workers’ compensation rules and regulations include private nurses, some professional athletes, real estate brokers and agents, commission-based workers or independent contractors, domestic workers, like nannies and maids, agricultural workers and farmers

How much is workers’ comp coverage in Wyoming?

Your specific Wyoming workers’ comp rate will depend on the following factors:

The type of business you have
The size of your payroll
Your safety record
Claim history

How can Wyoming small business owners save money on workers' comp?

Per Wyoming workers’ compensation rules and regulations, small businesses can save money on workers’ compensation insurance by maintaining a safe, substance-free workplace, decreasing the likelihood of accidents and injuries. Business owners with a proven track record of workplace safety may be eligible for lower premiums.

Other ways that small business owners can save money on workers’ comp insurance include:

Owners, executives, or partners can exclude their payroll from coverage to save on workers’ comp premiums.
Ask about group rating programs that are based on collective risk.
Ensure employees and jobs are classified correctly for accurate premium calculations.
Instate a return-to-work program to help injured workers return quicker with modified duties to reduce claims costs.

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How does workers’ comp work in WY?

Wyoming workers’ comp insurance operates under state-administered programs, which are employer-funded. Wyoming business owners are required to register for workers’ compensation insurance through the Wyoming Department of Workforce Services.

Employers in extra-hazardous or dangerous workplace environments must obtain workers’ comp coverage before conducting business but after hiring employees. In these cases, employers still pay the premiums.

The premiums are based on the business’s estimated annual payroll. After the 12-month policy term, the state audits the payroll to see if the business paid too much or too little, and then adjusts the cost accordingly.

What does workers’ comp cover in Wyoming?

Workers who file a workers' comp claim in Wyoming can receive benefits for the following:

Medical bills

Lost Wages

Death Benefits

Workers' comp coverage also protects employers from legal action. This means that if an employee sues your business because of a workplace injury, the insurance will cover the legal costs of the case.

How to get workers’ comp insurance in Wyoming?

Obtaining workers’ compensation insurance in Wyoming is straightforward because businesses must go through the Wyoming Department of Workforce Services for complete coverage.

To obtain workers’ compensation insurance, you should:

Contact the Wyoming Department of Workforce Services to begin compliance with Wyoming workers’ compensation rules and regulations
New business? Register with Wyoming State, then with Wyoming Workers’ Comp and Unemployment Insurance
Check for exemptions or risk assessments to determine the status of your business

What can happen if I don’t have workers’ comp insurance in Wyoming?

Significant financial penalties for non-compliance, usually on a day-to-day basis
Possible misdemeanor or felony charges, depending on the circumstances and severity of non-compliance
Possible imprisonment for up to one year (in severe cases)
Legal and civil repercussions that allow employees to sue an employer for lack of workers’ comp insurance coverage

FAQS

What are workers’ comp death benefits in WY?

In unfortunate circumstances, when a death occurs as a result of a work accident, Wyoming’s workers’ compensation death benefits are as follows:

Funeral and burial expense coverage up to $10,000
Possible survivor benefits for a spouse, dependent children, or parents
Maximum monthly benefit of $3,436.33 for 100 months, payable to a surviving spouse. Children will receive benefits until 19 (or 21 if disabled)

The deceased worker's dependents must understand their eligibility for workers’ comp benefits. The Wyoming Department of Workforce Services provides more detailed information. Beneficiaries must apply to claim the benefits.

How do workers’ comp settlements work in WY?

Workers’ comp settlements in Wyoming are agreements between an employer and employee to resolve claims.

The accident report is submitted to the employer and insurance carrier, after which the Wyoming Department of Workforce Services reviews the claim. If approved, the employee typically receives a lump-sum settlement that includes lost wages and additional compensation based on injury severity and future medical needs.

What are the statutes of limitations regarding workers’ comp in WY?

Workers must file a workers’ compensation claim within one year of the date of injury or illness.
For exposure to hazardous conditions that caused illness or medically documented disease, claims must be filed within three years of exposure.

Failure to adhere to these timeframes, per Wyoming workers’ compensation rules and regulations, can result in forfeiture of benefits.

How do I get a workers’ comp insurance policy with Kickstand Insurance?

Start by filling out a short online form about your business. We’ll use that info to get you an estimated quote. Then, one of our experienced agents will contact you to review the quote and make sure you are getting the absolutely lowest rate possible for your business. Once the quote is finalized, you’re ready to buy the policy - often with coverage starting that day!

Ready: Fill out an online form. It only takes 5 minutes!
Set: One of our agents will contact you to review the quote.
Go: You can get covered starting today!

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Learn more about Workers' Comp in Wyoming

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Wyoming Workers’ Compensation Rules and Regulations

Required with

1

employee

Self-employed workers aren’t required to have a workers’ comp policy.

The following are exempt:

Is workers’ comp insurance required in Wyoming?

Do you need workers’ compensation coverage if you’re self-employed?

Who is exempt from Wyoming workers’ comp insurance requirements?

Common types of workers in Wyoming that we can insure

Auto Shops

Cannabis

Cleaning and Janitorial

Consultants

How much is workers’ comp coverage in Wyoming?

How can Wyoming small business owners save money on workers' comp?

How does workers’ comp work in WY?

What does workers’ comp cover in Wyoming?

Medical bills

Lost Wages

Death Benefits

How to get workers’ comp insurance in Wyoming?

What can happen if I don’t have workers’ comp insurance in Wyoming?

Why Wyoming small businesses choose us

FAQS

What are workers’ comp death benefits in WY?

How do workers’ comp settlements work in WY?

What are the statutes of limitations regarding workers’ comp in WY?

How do I get a workers’ comp insurance policy with Kickstand Insurance?

Learn more about Workers' Comp in Wyoming

Why use Kickstand to get workers' comp insurance?

Speed + Service + Experts

Why does it matter?

What do we check?

Ready to get started with Kickstand?

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