Protect your business vehicles with a Wyoming commercial auto policy
Many of Wyoming’s 68,000 small businesses need commercial auto insurance to protect their vehicles. Business vehicles are often exposed to more risk than personal autos and usually need specialized coverages and higher limits to protect them.
Over 750,000 small business owners across the nation trust us to protect their work vehicles and livelihoods. Each gets customized coverage to match their unique needs, whether they manage a manufacturing plant in Cheyenne or a pizza shop in Green River.
Commercial auto coverage for a variety of business types:
Wyoming commercial auto insurance cost
Several factors affect the cost of your Wyoming commercial auto policy, including your:
Profession
Some industries have more risk than others. A landscaper who hauls tools and equipment to various job sites every day can expect to pay more than a lawyer who runs occasional errands.
Vehicle
Your vehicle’s size and use affect your rate. A heavy food truck with a grill and a deep fryer will likely have a higher premium than a small catering van with minimal equipment.
Driving history
Your commercial auto insurance carrier will run a motor vehicle report on all drivers with access to your business vehicles. Drivers with accidents or violations on their driving record will usually cause your rate to increase. You can expect your insurance company to take the past three years of driving history into account.
Location
It’s common to pay more for commercial auto coverage in a large city like Casper than in a smaller city like Evanston. Keep in mind, prices are usually higher in locations that experience more claims or more expensive settlements than other locations. Areas susceptible to weather-related events, such as tornadoes and wildfires, are also factors.
Travel radius
The distance you routinely travel can influence your commercial auto rate. A vehicle with a local route within Laramie city limits is considered lower risk than a vehicle with a regional route that covers all of southeastern Wyoming.
Coverage needs
The amount of coverage you need affects your premium. Policyholders with the Wyoming state minimum limits of 25/50/20 will pay less than a policyholder needing a combined single limit of $1M.
Wyoming commercial auto insurance requirements
Wyoming state law requires all commercial auto policies to have a minimum liability limit of $25,000 per person, $50,000 per accident for bodily injury and $20,000 for property damage (i.e., 25/50/20). Some policies are required to carry higher limits based on the types of vehicles they insure.
Wyoming commercial auto resources:
Common professions that need commercial auto insurance in WY:
Browse more examples of professions we insure.
Commercial auto insurance anywhere in Wyoming
We offer Wyoming commercial auto insurance statewide, including these major cities:
- Cheyenne
- Sheridan
- Laramie
- Rock Springs
- Riverton
- Casper
- Green River
- Gillette
- Evanston
- Jackson
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