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A bartender’s hand steadies a tipping stemmed glass before its spill reaches the edge of a bar.Illustration for The General Average

Liquor Liability in Wyoming

Wyoming law generally bars damages claims against a person who legally provides alcohol for harm caused by the recipient’s intoxication, while preserving liability when alcohol was furnished in violation of Title 12. That statutory boundary makes compliance with Wyoming’s underage-sale and license rules central to the claim analysis.

What Is Liquor Liability Insurance?

Liquor liability can cover claims tied to your business selling, serving or furnishing alcohol. If you run a bar, restaurant or event where you provide drinks, check how the quote treats injuries, property damage and occasional service. Read the national Liquor liability guide.

What Should You Watch for With Liquor Liability Insurance in Wyoming?

The Statute Turns on Whether Alcohol Was Legally Provided
Wyo. Stat. § 12-8-301 bars intoxication-damage claims against someone who legally provided alcohol, but does not affect liability when alcohol was sold or provided in violation of Title 12. Ask what policy claims remain when a plaintiff alleges an unlawful sale rather than lawful service. ¹
Underage Furnishing Can Move a Claim Outside the Protection
Section 12-6-101 makes furnishing alcohol to a person under 21 a misdemeanor, subject to specified family, ward, and patient exceptions; a violation may also affect the § 12-8-301 rule. Train staff to verify age and retain transaction and incident records. ^2,¹
Local Authorities Issue Many Wyoming Alcohol Licenses
Wyoming defines a licensing authority as the governing body of an incorporated city, town, or county responsible for a particular license, or the Liquor Division. Confirm which authority issues each location’s license and whether the policy reflects each licensed operation. The Department of Revenue’s Liquor Division monitors alcohol-control laws and administers the state wholesale system; ask whether your license is issued locally or by the Division. ^3,⁵
Wyoming Has a State-Certified Server Training Program
Title 12 directs the Department of Revenue to establish a program and certify providers for training retail alcohol servers. Ask whether your staff’s course is offered by a currently certified provider and keep course records with your risk-control documentation. ⁴

Which Liquor Liability Providers Have Wyoming License Records?

These providers publish a national listing for Liquor liability; 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. ¹³
Corgi markets liquor liability for eligible veterans’ and fraternal lodges with licensed on-premises bars.

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. ^6,^7,⁸

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 ^9,¹⁰

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 Liquor Liability in Wyoming

Does the policy respond to claims alleging alcohol was furnished in violation of Wyoming Title 12?
Are our employee training courses from providers certified by Wyoming’s Department of Revenue?
Which city, town, county, or state authority licenses each alcohol-serving location?

Liquor Liability Insurance in Wyoming: Frequently Asked Questions

Can a Wyoming bar be sued for injuries caused by a customer’s intoxication?

Generally not when the alcohol was legally provided; § 12-8-301 preserves liability if alcohol was sold or provided in violation of Title 12. ¹

Can a Wyoming adult furnish alcohol to someone under 21?

Generally no. Section 12-6-101 makes it a misdemeanor to sell, furnish, or give alcohol to a person under 21, with stated exceptions for a legal ward, medical patient, or immediate family member. ²

Sources

17 documents, numbered as cited. Open the sources

Sources for Liquor Liability Insurance in Wyoming

1
Wyoming Statutes, Title 12: Alcoholic Beverages. Wyoming Legislature; W.S. § 12-8-301(a)-(d), limitation of liability. Accessed 2026-09-29.
2
Wyoming Statutes, Title 12: Alcoholic Beverages. Wyoming Legislature; W.S. § 12-6-101(a), underage furnishing rule. Accessed 2026-09-29.
3
Wyoming Statutes, Title 12: Alcoholic Beverages. Wyoming Legislature; W.S. § 12-1-101(a)(ix), licensing authority definition. Accessed 2026-09-29.
4
Wyoming Statutes, Title 12: Alcoholic Beverages. Wyoming Legislature; W.S. §§ 12-2-401 to 12-2-402, server training program. Accessed 2026-09-29.
5
Our Mission. Wyoming Department of Revenue; Liquor Division mission: wholesale distribution and monitoring alcohol control laws. Accessed 2026-09-29.
6
Wyoming Department of Insurance. Wyoming Department of Insurance; Official regulator website; insurance oversight and consumer/professional resources. Accessed 2026-09-28.
7
Insurance Department Directory. National Association of Insurance Commissioners; Wyoming Department of Insurance entry; official contact and website listing. Accessed 2026-09-28.
8
Licensing Center. National Insurance Producer Registry; State producer licensing and lookup resources. Accessed 2026-09-28.
9
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.
10
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.
11
Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
12
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.
13
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.
14
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.
15
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.
16
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.
17
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.

Liquor Liability in Wyoming

What Is Liquor Liability Insurance?

What Should You Watch for With Liquor Liability Insurance in Wyoming?

The Statute Turns on Whether Alcohol Was Legally Provided

Underage Furnishing Can Move a Claim Outside the Protection

Local Authorities Issue Many Wyoming Alcohol Licenses

Wyoming Has a State-Certified Server Training Program