Builders Risk

• Structure under construction, installed materials, and temporary works (scaffolding, formwork, shoring)
• Materials stored on-site, in transit, or at fabrication yards
• Fire, theft, vandalism, wind, and collapse during construction
• Soft costs endorsement: architect/engineering fees, permit costs, loan interest during delay
• Limit set to completed project value - not partial value at time of loss
• Coverage extended through Wyoming building department inspection and certificate of occupancy

Wyoming's remote job sites can increase exposure to theft and vandalism. Ensure limits are set at completed value and consider theft sublimits for high-value materials.

General Liability

• Third-party bodily injury and property damage from construction operations
• Products & Completed Operations - covers post-completion claims for years after project handover
• Personal and advertising injury
• Additional Insured endorsements for owners, developers, and municipalities
• Primary & Noncontributory wording for all required AIs
• Per-project aggregate for large or multi-site contracts
• Waiver of Subrogation as required by contract

Wyoming public-sector construction contracts often require specific GL limits and endorsements. We review your contract insurance requirements before binding.

Workers' Compensation & Employers Liability

• Required by Wyoming law for any business with employees - no exceptions for construction
• Medical bills, lost wages, and rehabilitation for construction workers injured on job sites
• Covers falls from height, struck-by incidents, excavation accidents, and tool/equipment injuries
• Employers Liability protects against employee negligence suits
• Wrap-up / OCIP compatibility where the project owner controls the WC program
• Prevailing wage compliance documentation often required on public projects

Construction is a high-risk industry in Wyoming. Accurate payroll classification by trade is critical to avoid audit adjustments and penalties.

Commercial Auto & Fleet

• Owned vehicles: dump trucks, flatbeds, crew vans, pickup trucks, and equipment haulers
• Liability for accidents on Wyoming highways and city streets
• Physical damage (collision and comprehensive) for fleet vehicles
• Hired & Non-Owned Auto for subcontractors' and employees' personal vehicles used on firm business
• Pollution liability endorsement for vehicles transporting regulated materials
• Higher limits typically required by public project owners

Wyoming's rural roads can present unique driving challenges. Ensure your driver list is current and MVRs are reviewed before each policy year.

Contractor's Equipment & Inland Marine

• Cranes, excavators, forklifts, bulldozers, and aerial work platforms
• Compressors, generators, welding equipment, and portable power tools
• Leased or rented equipment on a blanket or scheduled basis
• Coverage follows equipment to job sites and off-site storage yards
• Theft, collision, and mysterious disappearance at active sites

Heavy construction equipment is often targeted for theft. Ensure you have adequate coverage and security protocols in place.

Surety Bonds

• Bid Bond: guarantees you'll honor your bid and execute the contract if awarded
• Performance Bond: guarantees project completion per contract terms
• Payment Bond: guarantees subcontractors and suppliers will be paid
• Required on all public contracts in Wyoming
• Increasingly required on large private developments
• Bond capacity determined by financial strength, experience, and banking relationships

Public contracts in Wyoming consistently require performance and payment bonds. We arrange bonds alongside your insurance program for efficiency.

Commercial Umbrella / Excess Liability

• Adds $5M-$25M+ of excess liability above GL, Auto, and Employers Liability
• Activates when an underlying limit is exhausted
• Required by most large commercial developers and public entities in Wyoming
• Can be structured to follow-form over GL and Auto in a single tower

A serious construction accident can generate claims that exceed standard GL limits. Commercial builders should carry adequate umbrella coverage.

Professional Liability (Design-Build E&O)

• Covers errors in design services provided by or coordinated by the GC
• Required for design-build delivery where the builder holds design responsibility
• Protects against claims alleging design defects that manifest post-completion
• Claims-made form - retroactive date protection critical when switching carriers

As Wyoming's design-build projects grow, GCs must ensure they have the right professional liability coverage in place.

Wyoming Contractor Registration

Wyoming requires contractors to register with the Wyoming Department of Workforce Services. Public projects often necessitate pre-qualification with the relevant public entity, which includes providing current insurance certificates with specified limits.

Public Project Bonding & Prevailing Wage

Wyoming's public construction contracts typically require performance and payment bonds. Compliance with prevailing wage laws is also essential, and certified payroll records must be maintained and submitted.

Building Permits & Inspections

All commercial construction in Wyoming requires permits from local authorities. Insurance certificates naming the municipality as Additional Insured are often required as a condition of permit issuance.

OSHA Job Site Safety

Federal OSHA construction standards apply to all Wyoming job sites. Compliance with safety regulations is critical to avoid penalties and ensure worker safety.