E&S Insurance in Wyoming: Classes, Coverage & Quoting Guide
Pathpoint offers 13 Excess & Surplus (E&S) product lines in Wyoming covering 97+ class codes, including LRO (Lessor's Risk Only), Contractors, and Monoline Property. 66% of submissions receive an instant, bindable quote, with a median turnaround of 575 seconds. The platform partners with 8 carriers and handles all Wyoming surplus lines compliance automatically, including tax calculation at 3.0% and diligent search documentation. The average bound premium across all Wyoming product lines is $2,693.
Key Takeaways
- 13 E&S product lines covering 97+ class codes in Wyoming
- 66% of Wyoming submissions are quoted instantly, with a 575-second median turnaround
- 8 carrier partners, all domestic surplus lines insurers
- Surplus lines tax of 3.0%, calculated and filed automatically at bind
- Average bound premium of $2,693 across all Wyoming product lines
What E&S product lines can I quote in Wyoming?
Wyoming agents on Pathpoint can currently quote 13 product lines covering 97+ class codes. Contractors is the deepest line at 60 class codes, followed by LRO (13), Contractors Excess (15), Restaurants (6), Manufacturing (7), Vacant Building (3), Vacant Land (2), Retail & Services (2), Churches (1), and LRO Excess (2). By bind volume, LRO, Contractors, and Monoline Property lead the state, and all three carry active or strong appetite. Five product lines produced binds over the trailing 12 months: LRO, Contractors, Monoline Property, Manufacturing, and Contractors Excess.
Of the 13 product lines, 9 (69%) are instant-quotable, meaning the platform returns a bindable quote automatically: LRO, Contractors, Monoline Property, Contractors Excess, Restaurants, Vacant Building, Vacant Land, Retail & Services, and LRO Excess. The remaining 4 (Monoline Wind, Manufacturing, Churches, and Cyber) are referred to Pathpoint's brokerage team for manual placement, with referred quotes typically returned in about 2.4 hours (median across resolved referrals). Monoline Wind is the highest-volume referred line, with 61 account submissions in the period.
How fast can I get an E&S quote in Wyoming?
66% of Wyoming submissions receive an instant, bindable quote, 93 of 140 account submissions in the past 12 months. The median instant turnaround is 575 seconds, roughly 10 minutes from submission to a bindable result. Instant quotes come from the 9 instant-capable product lines, led by LRO, Contractors, and Monoline Property. That means an agent can submit a risk, review the quote, bind coverage, and receive policy documents in a single sitting without leaving the platform.
When a risk sits outside instant-quote appetite, Pathpoint's brokerage team takes it to the carrier panel and returns quotes at a median of 2.4 hours, based on 55 resolved referrals over the same 12-month window. Half of Wyoming referrals clear within that 2.4-hour mark, though some run longer when a risk needs additional underwriting review. The agent workflow stays the same: submit once and track everything in the platform.
Which carriers are available in Wyoming?
8 carriers quoted Wyoming risks on Pathpoint in the last 12 months: AU Gold, Baleen Specialty, Crum & Forster, Markel, Nautilus, The Hartford, Vave, and Westchester. All 8 are domestic surplus lines insurers, no Lloyd's of London syndicates currently quote Wyoming business on the platform. The platform evaluates each submission's product line, class code, location, risk size, and loss history, then routes it to eligible carriers, with instant-quote carriers running first. Baleen Specialty also backstops Wyoming submissions that other markets cannot place.
Carrier coverage spans all 13 Wyoming product lines, from Contractors, the state's deepest class roster, down to single-class lines like Churches. When more than one carrier has appetite for a class, the platform returns multiple quotes so agents can compare terms and pricing. Routing is automatic, the platform matches each submission to every eligible market rather than asking agents to pick a carrier. Pathpoint continues to expand its carrier relationships in Wyoming, particularly for emerging lines that quote manually today.
Where is Pathpoint's appetite strongest in Wyoming?
3 Wyoming product lines carry strong appetite: LRO (91% account quote rate), Restaurants (86%), and Contractors (76%). Pathpoint groups each state's lines into three appetite tiers, strong, active, and emerging, based on how often submissions turn into quotes. Strong-tier lines show the most consistent carrier interest and the fastest path from submission to bindable quote. Restaurants hit 86% despite lower submission volume, 7 accounts in the period, while LRO and Contractors also lead Wyoming's bind rankings over the trailing 12 months.
2 product lines sit in the active tier: Vacant Building (50% account quote rate) and Monoline Property (47%), meaning roughly one in two accounts in those lines receives a quote. The remaining 8 (Manufacturing, Contractors Excess, Churches, Retail & Services, LRO Excess, Cyber, Vacant Land, and Monoline Wind) are emerging, mostly low-volume lines where Pathpoint is actively expanding carrier partnerships. Emerging does not mean unavailable: Manufacturing and Contractors Excess each produced a Wyoming bind in the past year.
What are the surplus lines requirements in Wyoming?
Wyoming's surplus lines premium tax rate is 3.0%, and the state has no surplus lines stamping office. With no stamping office, Wyoming placements carry no stamping fee and no separate stamping submission. Pathpoint calculates the 3.0% tax at checkout and files all required surplus lines documentation electronically as part of binding, so nothing needs to be filed manually after bind. The full compliance workload, tax calculation, documentation, and filing, runs inside the bind flow rather than as separate post-bind tasks.
Wyoming requires a diligent effort to place a risk with authorized (admitted) insurers before it moves to the surplus lines market. Pathpoint automates that diligent search documentation as part of every submission, so agents do not assemble the paperwork by hand. Filings follow the home-state method under the NRRA (Nonadmitted and Reinsurance Reform Act), so for insureds whose home state is Wyoming, tax and filings are handled once, in Wyoming, at the 3.0% rate.
- Surplus Lines Tax
- 3.0%
- Stamping Office
- None
- Diligent Search
- Diligent effort required
- Filing Method
- Home state
How does quoting E&S on Pathpoint work in Wyoming?
Quoting E&S in Wyoming takes four steps. First, submit the risk details through the platform. Second, the submission routes to eligible carriers: 66% of submissions return an instant quote at a median of 575 seconds, and the rest go to referral, typically clearing underwriting in 2.4 hours. Third, order the bind, and Pathpoint handles the diligent search documentation and all required surplus lines filings. Fourth, policy documents are issued with Wyoming's 3.0% surplus lines tax applied at checkout. That flow produced 23 bound Wyoming policies over the past 12 months across LRO, Contractors, Monoline Property, Manufacturing, and Contractors Excess.
Agents do not need their own surplus lines license to quote or bind E&S business in Wyoming. Pathpoint acts as the broker of record and holds the surplus lines license, which means any licensed property and casualty agent can submit Wyoming risks the day they open an account. Referred lines work the same way, with the brokerage team placing the risk under Pathpoint's license. Agents earn standard retail commission on every bind, and there is no cost to open a Pathpoint account and no fee to submit or quote risks.
What does E&S insurance cost in Wyoming?
The average bound premium in Wyoming is $2,693 across the 23 policy lines bound over the last year. By product line, LRO averages $2,202 with a typical range of $500 to $3,636, Contractors averages $3,211 with a typical range of $625 to $3,605, and Monoline Property averages $3,079 with a typical range of $1,469 to $3,280. Those three lines are also Wyoming's top three by bind volume, so the ranges reflect where most bound business actually lands. Actual pricing varies with class code, limits, building characteristics, receipts, and loss history.
E&S premiums generally run higher than admitted-market pricing because surplus lines carriers take on risks admitted carriers decline: unusual classes, tougher loss history, or property profiles outside standard appetite. In exchange, surplus lines carriers can flex on forms and rates in ways admitted markets cannot, which is what makes hard-to-place Wyoming risks placeable. Pathpoint's multi-carrier platform keeps pricing competitive, since submissions route across 8 carriers and return multiple quotes where appetite overlaps. Agents see exact pricing at the quote stage with no obligation to bind.
There is no fee to use Pathpoint: opening an account, submitting risks, and quoting all cost nothing, and agents earn standard retail commission on bound business. Wyoming's 3.0% surplus lines tax is calculated automatically at checkout, itemized on the quote, and passed through to the insured, so the total cost of the placement is visible before bind. On a policy at the state's $2,693 average premium, that tax works out to about $81.