Wyoming General Liability Insurance

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Wyoming General Liability Insurance Policy Information

WY General Liability Insurance

Wyoming General Liability Insurance. WY general liability insurance protects your business against property damage, advertising injury claims, personal injury claims, and bodily injury claims. Such claims could jeopardize the success and reputation of your business.

As a business owner or small contractor, you require a form of general liability protection, to shield you from such unexpected situations. A single accident might lead into a lawsuit that is beyond your financial abilities. When that happens, you will be staring at losing your source of livelihood. That is where general liability insurance comes in.

Wyoming general liability insurance pays for cost of third-party lawsuits over slip-and-fall injuries, property damage and more. Get a fast and affordable quote in WY.

What Does General Liability Insurance Cover?

Businesses are inherently risky. The good news is that some of the risks can be protected. General business liability insurance helps to safeguard your business against various known and unknown risks. Some of the areas in your business that are covered by Wyoming general liability insurance include:

  • Property damage and bodily injury: The property damage and bodily injury helps to protect your business against various business claims as well as claims alleging financial loss as a result of bodily injury or property damage, occurring out of your products or business operations. Slip an fall is covered here.
  • Advertising errors: This protects your WY business from certain claims where others claim that your business has infringed on certain copyrights when advertising your goods, services or products.
  • Reputational harm: The reputational harm protects your business against claims of malicious prosecution, false arrest, slander, libel, wrongful eviction and violation of privacy rights, just to name a few.
  • Damage to rented premises: This helps to protect your company from certain claims that might occur during your business operations. This may be occasioned by lightning, fire or explosion.
  • Medical payments: Wyoming general liability insurance will protect your business against medical claims brought forward, when someone gets injured in your business premises and requires medical treatment.
  • Some clients might also need you to agree to a certain level of general liability before you can provide goods or services to them. With WY general liability insurance, such issues are adequately handled.
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WY General Liability Insurance Cost

The cost of your Wyoming general liability insurance coverage is determined by various factors. They include the business type, location of your business, the total number of employees in your business, as well as the risk level your business is exposed to. For example a roofer working on a roof faces much higher risks than an accountant sitting in an office behind a desk.

In our litigious society, more and more businesses are being sued due to issues like libel, slander, property damage, and bodily injury, just to name a few. Apart from that, businesses can be sued even when they have not done anything wrong. That is why your business requires general liability insurance protection.

WY General Liability Insurance By Industry

Small Business

Protect your company and employees with WY commercial insurance. Read informative articles on Wyoming small business insurance coverages - and how they can help shield your company from legal liabilities.


Construction Contractors

Learn about Wyoming construction contractors insurance, including how much the premium costs and what is covered - and how commercial insurance can help protect your WY construction business from lawsuits.


Contractors and Home Improvement

Learn about Wyoming contractor's insurance, including what it covers, how much it costs - and how commercial insurance can help protect your WY business from lawsuits.


Commercial Property

Read up on Wyoming commercial property insurance, including how business property insurance protects your company's building's and/or their contents from damage, destruction, theft and vandalism.


Warehouse and Storage

Learn about Wyoming warehouse and storage insurance - which protects storage and warehouse facilities and protects their inventory from property damage from fire and weather, vandalism and theft and liability coverage as well.


Professional Services

Get informed about Wyoming professional services insurance, including Professional liability, aka errors and omissions (E&O insurance), that protects your business against claims that a professional service you provided caused your client financial loss.


Advertising, Marketing and Media

Learn about Wyoming media liability insurance - a specialized form of professional liability insurance that provides protection for legal claims brought by third parties.


Real Estate

Learn about Wyoming real estate insurance coverages including liability and commercial property policies for realtors, mortgage companies and more.


Retail

Read valuable Wyoming retail insurance policy information. In a retail business, you need to have the right type of commercial insurance coverage so that your store, employees, and inventory are protected.


Auto Sales, Service and Repair

Read about Wyoming auto sales, service & repair insurance, which provides protection for damages done to customers vehicle's and other property as well as injuries resulting from the work done.


Health and Beauty

Learn about Wyoming health and beauty insurance coverages that help protect tattoo artists, salons, spas, estheticians, cosmetologists, barbers, hairdressers, nail salons and more from legal liability.


Information Technology and Internet

Learn about Wyoming IT technology insurance policies that help protect IT businesses, consultants & subcontractors from the unique risks that small tech businesses face when they work.


Food and Drink

Learn about Wyoming restaurants, bars, liquor stores commercial insurance coverages. See how food service insurance help protect against accidents, oversights and lawsuits resulting from business operations.


Medical and Dental

Discover Wyoming business insurance for medical and dental professionals. Medical malpractice insurance is a type of professional liability that protects health care professionals from liability causing in bodily injury, medical expenses and property damage.


Manufacturing

Learn all about Wyoming manufacturing insurance. Manufacturers face many unique risks such as product libility and/or product recall exposures due to the nature of their business operations.


Wholesale and Distribution

Read informative articles on Wyoming wholesale distribution insurance. Distributors and wholesalers face specific risks including fire, flood and weather damage that can destroy products in the distribution center - and every part of the supply chain including late supplier shipments to unpaid invoices - can effect the entire operation.


Education, Colleges, Universities & Schools

Learn about Wyoming commercial insurance for educators that helps protecting your professional reputation and other legal liabilities arising from your educational services.


Sports and Fitness

Learn about Wyoming sports & fitness insurance policies and what they cover so that your customers, employees, and equipment are protected.


Children and Pets

Discover what Wyoming commercial insurance policies cover for children and pet related businesses.


Miscellaneous

Find informative articles on miscellaneous WY businesses including the types of commercial insurance they need, costs and other considerations.


Non-Profit

Find useful articles on business insurance for Wyoming non-profit 501(c)(3) organizations, charities and associations.


Arts and Recreation

Read up on Wyoming arts and recreation commercial insurance.


Agribusiness

Learn about WY agribusiness insurance - a type of commercial insurance protects farmers against loss of, or damage to crops or livestock.


Bonds

Learn about surety and fidelity bonds which are types of insurance that are used to protect against damage or loss in commercial transactions.


Commercial Auto

Learn about Wyoming commercial auto insurance which includes liability and physical damage protection for vehicles that are used for business purposes.


Wyoming General Liability Insurance Information

WY Commercial Insurance Articles

Read informative articles on Wyoming commercial insurance including costs and coverages.




Wyoming Economic Data, Regulations And Limits On Commercial Insurance

Made In Wyoming

Whether you are an established or a prospective business owner, the location you choose for your company is critical. If you want to achieve as much success as possible, the area needs to offer a healthy market that the goods and services you intend on offering will appeal to, otherwise there's a good chance that you won't garner the success you are hoping for.

Unemployment rate provides valuable insight about a state's economy. A lower unemployment rate indicates that there are more jobs available, and more jobs are available as a result of successful business operations in the area.

Additionally, knowing what industries are thriving in the state will allow you to determine if opening a business in your sector will be beneficial. Lastly, entrepreneurs should familiarize themselves with the kinds of commercial insurance policies they will need to invest in to protect their businesses and ensure they are operating within compliance of the laws.

If you're thinking about starting a business in Wyoming, read on for an overview of the state's economy and commercial insurance requirements so you can determine if the Equality State is the right location for your operation.

Economic Trends For Business Owners In Wyoming

According to the Bureau of Labor Statistics, the unemployment rate in Wyoming was 3.7%; just .02% of the national average of 3.5% at the same time. This rate of unemployment has remained relatively steady over the course of 2019, which is evidenced by the 3.6% rate in July, 2019, and the 3.7% rate in November.

Economists predict that the job rate will continue to remain steady or see a slight increase or decrease in the coming years.

If you are thinking about starting a business in the Equality State, the best locations include metropolitan regions and the areas that surround them. As with all states, urban areas offer larger markets, a larger workforce, and easier access to national distribution centers. With that said, some of the best places to start a business in Wyoming include:

  • Casper
  • Cody
  • Jackson
  • Laramie
  • Rock Springs
  • Salt Lake City

Several industries are thriving in WY, but the sectors that are seeing the largest boom include:

  • Agriculture
  • Hospitality and tourism
  • Manufacturing
  • Mining and extraction
  • Real estate
  • State and local government
  • Transportation and warehousing (logistics)

If you are considering opening a business in any of the above-mentioned areas, your chances of success in Wyoming are favorable.

Commercial Insurance Requirements In Wyoming

The Wyoming Department of Insurance regulates insurance in WY. Wyoming mandates very few forms of insurance coverage by law. They enforce worker's compensation.

Wyoming requires you to have worker's compensation insurance if you hire even one employee on a regular basis. This includes part-time employees, family members, minors, and immigrant employees. It is not required for independent contractors or domestic employees, though you should check to make sure any contractors you have are true contractors, and not employees.

Wyoming also requires all business-owned vehicles to be covered by commercial auto insurance. Other types of business insurance that business owners should carry depend on the specific industry.

Request a free Wyoming General Liability Insurance quote in Afton, Alpine, Alta and Wamsutter, Antelope Valley-Crestview, Arapahoe, Baggs, Bar Nunn, Basin, Bear River, Big Horn, Big Piney, Boulder Flats, Buffalo, Burlington, Byron, Casper, Casper Mountain, Cheyenne, Clearview Acres, Cody, Cokeville, Cowley, Dayton, Diamondville, Douglas, Dubois, Encampment, Ethete, Evanston, Evansville, Fort Washakie, Fox Farm-College, Freedom, Gillette, Glenrock, Green River, Greybull, Guernsey, Hanna, Hartrandt, Hoback, Hudson, Hulett, Jackson, James Town, Kemmerer, La Grange, Lander, Laramie, Lingle, Lovell, Lucerne, Lusk, Lyman, Marbleton, Meeteetse, Midwest, Mills, Moorcroft, Moose Wilson Road, Mountain View town, Newcastle, Nordic, North Rock Springs, Pine Bluffs, Pine Haven, Pinedale, Powell, Purple Sage, Rafter J Ranch, Ralston, Ranchester, Ranchettes, Rawlins, Red Butte, Reliance, Riverton, Rock Springs, Rolling Hills, Saratoga, Sheridan, Shoshoni, Sinclair, Sleepy Hollow, South Greeley, South Park, Star Valley Ranch, Story, Sundance, Thayne, Thermopolis, Torrington, Upton, Urie and La Barge, Vista West, Warren AFB, Wheatland, Wilson, Worland, Wright and all other cities near me in WY - The Equality State.

Also find Wyoming insurance agents & brokers and learn about Wyoming small business insurance requirements for general liability, business property, commercial auto & workers compensation including WY business insurance costs. Call us (307) 215-0090.

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