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An oversized hand passes a car key above a modest personal car carrying a work briefcase, linking private wheels to business errands.Illustration for The General Average

Wyoming Hired and Non-Owned Auto Coverage

Wyoming's financial-responsibility act defines an operator's policy to cover the named insured’s liability while using a vehicle they do not own. The owner’s policy also covers permitted users of designated vehicles, so verify that employee business use fits both the personal policy and your employer’s HNOA form.

What Is Hired and Non-Owned Auto Insurance?

Hired and non-owned auto (HNOA) liability protects the business when rented cars or employees’ own cars are used for work. It does not pay for damage to those vehicles, and it is not a substitute for commercial auto on vehicles the business owns. Read the national Hired and non-owned auto guide.

What to Watch for With Hired and Non-Owned Auto in Wyoming

Wyoming defines non-owned auto coverage in an operator policy
Section 31-9-405(c) requires an operator policy to cover the named insured’s legal liability while using a vehicle they do not own, subject to owner-policy limits. Ask whether employees have this coverage and whether business trips fall within the policy terms. ¹
The designated-auto policy covers permitted users
Section 31-9-405(b) addresses other people using a covered vehicle with the named insured’s express or implied permission. Have employees confirm authorization and ask the owner’s carrier whether regular business use is allowed. ¹
Wyoming’s statutory minimum is only the required floor
Section 31-9-405 sets $25,000/$50,000 bodily-injury and $20,000 property-damage limits for an owner policy. The act also requires financial-responsibility proof. Ask your broker to compare those limits with employer exposure and the HNOA limit rather than relying on an employee’s minimum policy. ^1,²

Which Hired and Non-Owned Auto Providers Have Wyoming License Records?

These providers publish a national listing for Hired and non-owned auto; the state records document licenses for the entities and roles shown below. Some records rely on company-reported information rather than independent regulator verification. A national listing does not confirm the product is available in Wyoming. Check the regulator’s license lookup and confirm state availability for your business when requesting a quote.

Corgi
Insurance producer · checked 2026-09-28
Corgi Insurance Services, Inc.
Corgi’s company producer-license table lists 50 jurisdictions: 49 states and the District of Columbia, including DC license 3003091619. New Mexico does not appear in the table and is not included here; the omission does not establish that Corgi is unlicensed there. The company-reported table has no stated as-of date and does not establish product availability. ¹⁰
Corgi lists hired and non-owned auto liability for employees using rented or personal vehicles for company business.

Who Regulates Insurance in Wyoming?

Wyoming Department of Insurance

The Wyoming Department of Insurance administers Wyoming insurance laws, oversees insurers and insurance producers within its authority, and provides regulatory and consumer resources. You can use the department's complaint process to raise an insurance issue and its licensing resources to check insurance professionals. ^3,^4,⁵

Website: Regulator website
License lookup: Search licensed producers
Complaints: File a complaint

Surplus-Lines Tax and Stamping Office in Wyoming

Reported tax rate. 3% of premium ^6,⁷

The NAIC's state chart lists a 3% of premium charge for surplus-lines coverage for Wyoming (the chart's state entries were reviewed in October 2025). Your broker may collect the applicable amount with the premium. Surplus-lines insurers are not licensed in the state and generally are outside state guaranty-association protection; ask your broker to explain the insurer's financial protections and any diligent-search requirement that applies to your placement.

Questions to Ask Before You Buy Hired and Non-Owned Auto in Wyoming

Does the employee’s Wyoming policy cover business use of a non-owned or borrowed car?
Does our HNOA insure the company for claims arising from an employee-owned auto?
Are limits above Wyoming’s statutory minimum available for a serious work-trip claim?

Hired and Non-Owned Auto Insurance in Wyoming: FAQ

Does Wyoming recognize a policy for a car the insured does not own?

Yes. Section 31-9-405(c) requires an operator’s policy to cover the named insured’s liability from use of a non-owned vehicle, subject to the statute’s limits and terms. ¹

Does Wyoming cover a permissive driver in an insured car?

An owner’s policy must cover another person using a covered vehicle with the named insured’s express or implied permission, subject to policy terms and exclusions. ¹

Sources

14 documents, numbered as cited. Open the sources

Sources for Hired and Non-Owned Auto Insurance in Wyoming

1
Motor vehicle liability policy—required coverage. Wyoming Legislature; Wyo. Stat. § 31-9-405(b)–(c): owner and operator policies. Accessed 2026-09-29.
2
Proof of financial responsibility. Wyoming Legislature; Wyo. Stat. §§ 31-9-101 et seq.: proof framework. Accessed 2026-09-29.
3
Wyoming Department of Insurance. Wyoming Department of Insurance; Official regulator website; insurance oversight and consumer/professional resources. Accessed 2026-09-28.
4
Insurance Department Directory. National Association of Insurance Commissioners; Wyoming Department of Insurance entry; official contact and website listing. Accessed 2026-09-28.
5
Licensing Center. National Insurance Producer Registry; State producer licensing and lookup resources. Accessed 2026-09-28.
6
Surplus Lines Insurance Premium Taxes. National Association of Insurance Commissioners; WY row; state surplus-lines premium-tax rate reviewed October 2025. Accessed 2026-09-28.
7
Guaranty Associations & Funds. National Association of Insurance Commissioners; Coverage of claims from insolvencies of insurers licensed in a state; surplus-lines insurers are nonadmitted. Accessed 2026-09-28.
8
Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
9
Licenses and Carriers. Coalition; Licenses and Carriers, re-read 22 September 2026: Insurance Licenses table for Coalition Insurance Solutions, Inc., national producer number 18419475, with producer and surplus-lines numbers for all 50 states and DC including California 0L76155, Georgia 196479, Texas 2199630 and 2205589, Pennsylvania 815731 and 817452, Colorado 539028 and Wisconsin 3000108852. Insurance Carriers table naming, with NAIC numbers, Allianz Underwriters Insurance Company 36420, Arch Specialty Insurance Company 21199, Ascot Specialty Insurance Company 45055, Ascot Insurance Company 23752, Aspen Specialty Insurance Company 10717, Chaucer Insurance Company DAC, Coalition Insurance Company 29530, Fireman's Fund Indemnity Corporation 11380, Fortegra Specialty Insurance Company 16823, Lloyd's of London, MSIG Specialty Insurance USA Inc. 34886, MS Transverse Specialty Insurance Company 41807, Steadfast Insurance Company 26387, Vantage Risk Specialty Insurance Company 16275 and Zurich American Insurance Company 16535. Accessed 2026-09-22.
10
Insurance Producer Licenses. Corgi Insurance; Current complete Insurance Producer Licenses table for Corgi Insurance Services, Inc.; 50 rows covering 49 states and DC (DC 3003091619); no New Mexico row; no NPN or as-of date shown. Accessed 2026-09-28.
11
About Hiscox US Insurance. Hiscox; Hiscox Insurance Company Inc. NAIC 10200 as Chicago, IL domiciled insurer admitted or licensed in all 50 states and D.C.; Hiscox Inc. as general agent and Lloyd’s coverholder for Syndicates 33 and 3624; surplus-lines placements through licensed surplus-lines brokers; A.M. Best rating statement. Accessed 2026-09-16.
12
Licenses. ERGO NEXT Insurance; Current entity-by-state license table reopened 28 September 2026: 50 rows under Next First Insurance Agency, Inc., including Washington, DC; New York rows instead list Next Insurance Services PC-1423070 and AP Intego BR-1198885. Accessed 2026-09-28.
13
Insurance Licenses by State. TechInsurance; Current state table; identifies TechInsurance as a division of Specialty Program Group LLC d/b/a SPG Insurance Solutions; lists DC 3000041536 and labels Rhode Island “Individual licenses,” without an agency license number. Accessed 2026-09-28.
14
Licenses. Vouch; Effective 16 January 2025: Vouch Specialty Insurance Services, LLC, NPN 19926463; P&C table (50 states and DC); surplus-lines table includes Idaho 870820; footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses; Idaho retained as producer-only due to conflict. Accessed 2026-09-15.

Wyoming Hired and Non-Owned Auto Coverage

What Is Hired and Non-Owned Auto Insurance?

What to Watch for With Hired and Non-Owned Auto in Wyoming

Wyoming defines non-owned auto coverage in an operator policy

The designated-auto policy covers permitted users

Wyoming’s statutory minimum is only the required floor