Last updated March 20, 2026

E&S Insurance in Wyoming: Classes, Coverage & Quoting Guide

Pathpoint offers 9 Excess and Surplus (E&S) product lines in Wyoming covering 126+ class codes, including Contractors, LRO (Lessor's Risk Only), and Monoline Property. 73.7% of submissions receive an instant, bindable quote in roughly 54 seconds. With 8 active carriers, automated surplus lines compliance, a 3.0% tax calculated at checkout, and built-in diligent search documentation, the average bound premium across all Wyoming product lines is $3,221.

Key Takeaways

9 E&S product lines covering 126+ class codes in Wyoming
73.7% of submissions receive instant, bindable quotes in ~54 seconds
8 carrier partners, all domestic surplus lines insurers
Surplus lines tax of 3.0%, filed automatically, no stamping office required
Average bound premium of $3,221 across all Wyoming product lines

What E&S product lines can I quote in Wyoming?

Pathpoint supports 9 Excess and Surplus (E&S) product lines in Wyoming covering 126+ class codes. The full lineup includes Contractors (73 class codes), LRO or Lessor's Risk Only (14 class codes), Monoline Property (19 class codes), Manufacturing (1 class code), Contractors Excess (10 class codes), Vacant Building (2 class codes), Vacant Land (1 class code), Restaurants (4 class codes), and Retail and Services (2 class codes). Contractors and LRO are tied for the highest bind volume over the trailing 12 months, followed closely by Monoline Property, and all three carry high appetite with consistent quote rates above 75%.

All 9 product lines in Wyoming are instant-quotable on Pathpoint, meaning no product line requires a manual referral step to generate a quote. Every submission routes directly to the carrier panel and returns a bindable quote without a hold period. Roughly 26% of individual account submissions are still referred to the brokerage team based on risk complexity, and those accounts come back with a quote within a median of 23 hours.

Full class list · Ranked by bind volume

#	Product	Class Codes	Top Classes	Quote Type	Appetite
1	Contractors	73	Contractors–Subcontracted Work–In Connection with Construction, Reconstruction, Repair or Erection of Buildings, Cable Installation in Conduits or Subways, Conduit Construction for Cables or Wires, Contractors–Executive Supervisors or Executive Superintendents, Contractors–Subcontracted Work–In Connection with Building Construction, Reconstruction, Repair or Erection–One- or Two-Family Dwellings	⚡ Instant	Strong
1	LRO	14	Apartment Buildings–Garden, Dwellings–One-Family (Lessor's Risk Only), Apartment Buildings, Buildings or Premises–Bank or Office–Mercantile or Mfg. (Lessor's Risk Only)–Maintained by the Insured–Other Than Not-For-Profit, Shopping Centers–Buildings, or Premises Not Occupied by the Insured (Lessor's Risk Only)	⚡ Instant	Strong
3	Monoline Property	19	Dwellings–One-Family (Lessor's Risk Only), Apartment Buildings–Garden, Buildings or Premises–Bank or Office–Mercantile or Mfg. (Lessor's Risk Only)–Maintained by the Insured–Other Than Not-For-Profit	⚡ Instant	Active
4	Manufacturing	1	Beverage Bottler–Soft Drinks–Not Carbonated–In Bottles or Cans	⚡ Instant	Strong
4	Contractors Excess	10	Contractors–Executive Supervisors or Executive Superintendents, Contractors–Subcontracted Work–In Connection with Construction, Reconstruction, Repair or Erection of Buildings	⚡ Instant	Emerging
4	Vacant Building	2	Vacant Buildings–Not Factories–Other Than Not-For-Profit	⚡ Instant	Active
7	Vacant Land	1	N/A	⚡ Instant	Strong
7	Restaurants	4	N/A	⚡ Instant	Strong
7	Retail & Services	2	N/A	⚡ Instant	Active

How fast can I get an E&S quote in Wyoming?

73.7% of Wyoming account submissions on Pathpoint receive an instant, bindable quote with a median turnaround of 54 seconds. The platform routes each submission to all eligible carriers at the same time, evaluates available appetites, and surfaces the best quotes in a single pass. Agents can complete the full submit, quote, bind, and document cycle in one session without leaving the platform.

The remaining 26% of submissions are referred to Pathpoint's brokerage team for manual placement. These are typically risks that fall outside standard instant-quote thresholds based on class, limits, or loss history. The brokerage team shops the full panel of 8 Wyoming carriers and returns a quote within a median of 23 hours. The agent workflow is the same whether a risk receives an instant or referred quote.

Which carriers are available in Wyoming?

Pathpoint routes Wyoming submissions to 8 domestic surplus lines carriers: Westchester, Vave, Nautilus, Crum and Forster, The Hartford, Baleen Specialty, Markel, and AU Gold. All 8 are domestic surplus lines insurers. Wyoming's current carrier panel does not include Lloyd's of London syndicates. The platform evaluates each carrier's appetite by class code, location, limit size, and loss history, then routes to all eligible carriers at once so agents receive the most competitive available quotes without shopping each carrier separately.

These 8 carriers cover all 9 Wyoming product lines, spanning 126+ class codes across Contractors, LRO, Monoline Property, Vacant Building, Vacant Land, Restaurants, Retail and Services, Manufacturing, and Contractors Excess. Pathpoint continuously expands its carrier relationships to improve pricing competition and appetite depth, particularly for emerging product lines like Contractors Excess.

Where is Pathpoint's appetite strongest in Wyoming?

Pathpoint measures appetite using account quote rates over the trailing 12 months, grouped into three tiers: high, mid, and emerging. Five product lines carry high appetite in Wyoming: Contractors (76% account quote rate), LRO (94%), Manufacturing (100%), Restaurants (80%), and Vacant Land (100%). These lines generate competitive quotes consistently, and Contractors and LRO produce the highest bind counts in the state.

Three product lines sit in the mid-appetite tier: Monoline Property (40% account quote rate), Vacant Building (50%), and Retail and Services (50%). These lines are fully quotable and actively placed, but at more selective rates. Contractors Excess is the one emerging-tier line in Wyoming at a 25% account quote rate, reflecting an expanding carrier panel for excess casualty coverage in the state.

What are the surplus lines requirements in Wyoming?

Wyoming levies a 3.0% surplus lines tax on premium. The state does not operate a stamping office, so there are no stamping fees, Surplus Lines Information Portal (SLIP) filing requirements, or additional administrative steps beyond the state tax. Pathpoint calculates the 3.0% tax automatically at checkout and submits all required state filings electronically as part of the binding process. Agents do not manage any filing steps separately.

Wyoming requires a diligent search of 3 declinations from admitted carriers before a surplus lines policy can be placed. Pathpoint automates this documentation within the submission workflow. Wyoming follows the home-state filing method under the Nonadmitted and Reinsurance Reform Act (NRRA), which means that when an insured operates across multiple states, all surplus lines taxes and filings flow to the insured's home state rather than being split across each insuring state.

Surplus Lines Tax: 3.0%
Stamping Office: None
Diligent Search: 3 declinations
Filing Method: Home state

How does quoting E&S on Pathpoint work in Wyoming?

Placing E&S coverage in Wyoming on Pathpoint follows four steps. First, the agent submits risk information through the platform. Second, Pathpoint routes the submission to up to 8 carriers and returns a quote. 73.7% of submissions receive an instant quote in about 54 seconds, and referred risks come back within 23 hours. Third, the agent selects a quote and submits a bind request. The platform handles all surplus lines filings with no stamping office step and applies the 3.0% state tax automatically. Fourth, policy documents are issued and the transaction is complete.

No surplus lines license is required to use Pathpoint in Wyoming. Pathpoint acts as the broker of record, handling all licensing obligations, carrier contracts, surplus lines compliance, and policy issuance. Agents access the platform as retail producers and earn standard retail commission on every bound policy. There is no cost to create an account, no minimum submission volume, and no per-quote fee.

What does E&S insurance cost in Wyoming?

The average bound premium across all Wyoming E&S product lines on Pathpoint is $3,221. Cost varies by product line, class, coverage limits, and risk profile. LRO is the most affordable line, averaging $1,854 per policy with a typical P25 to P75 range of $500 to $2,498. Contractors averages $3,682 (typical range $1,198 to $3,711), and Monoline Property is the highest at an average of $4,901 with a typical range of $1,750 to $5,948.

E&S premiums are generally higher than admitted market equivalents because surplus lines carriers take on risks that fall outside standard admitted underwriting guidelines, including harder classes, adverse loss history, and unusual or high-hazard exposures. Routing through 8 carriers simultaneously on Pathpoint introduces pricing competition that helps keep rates as low as the available market allows. Final premium is determined at the quote stage based on the specific risk submitted.

There is no cost to access Pathpoint, and no fee is charged per submission or quote. Agents earn standard retail commission on every bound policy. Wyoming's 3.0% surplus lines tax is calculated at checkout and passed through to the insured, with no separate platform administrative fee.

Frequently Asked Questions: E&S Insurance in Wyoming

Pathpoint supports 9 E&S product lines in Wyoming covering 126+ class codes: Contractors (73 codes), LRO (14 codes), Monoline Property (19 codes), Manufacturing (1 code), Contractors Excess (10 codes), Vacant Building (2 codes), Vacant Land (1 code), Restaurants (4 codes), and Retail and Services (2 codes). All 9 lines are instant-quotable, meaning no product requires a manual referral step to generate a quote. Contractors and LRO lead in bind volume over the trailing 12 months, both carrying high appetite with account quote rates above 75%.

Wyoming's surplus lines tax rate is 3.0% of premium. The state does not have a stamping office, so there are no SLIP fees or separate stamping filings required. Pathpoint calculates the 3.0% tax automatically at checkout and handles all state compliance electronically as part of the binding process. Agents do not need to interact with any filing system or submit forms separately.

73.7% of Wyoming account submissions on Pathpoint receive an instant quote with a median turnaround of 54 seconds. The platform routes each submission to all eligible carriers simultaneously and returns the best available option in a single pass. For the roughly 26% of submissions that are referred, typically more complex or unusual risks, Pathpoint's brokerage team returns a quote within a median of 23 hours.

No. Pathpoint acts as the surplus lines broker of record in Wyoming, which means you do not need your own surplus lines license to place business through the platform. Pathpoint handles all licensing obligations, carrier relationships, surplus lines tax filings, and compliance documentation. Agents access Pathpoint as retail producers and earn standard retail commission on every bound policy. There is no cost to create an account.

Pathpoint routes Wyoming submissions to 8 domestic surplus lines carriers: Westchester, Vave, Nautilus, Crum and Forster, The Hartford, Baleen Specialty, Markel, and AU Gold. All 8 are domestic surplus lines insurers, with no Lloyd's of London syndicates in the current Wyoming panel. The platform routes each submission to all eligible carriers at once, so agents receive competitive quotes without having to shop each carrier individually.

A referred submission means the risk falls outside standard instant-quote parameters and is routed to Pathpoint's in-house brokerage team for manual placement. In Wyoming, all 9 product lines support instant quoting at the product level, but individual account submissions can still be referred based on class, limits, loss history, or other risk factors. The brokerage team reviews the submission, shops the full panel of Wyoming carriers, and returns a quote within a median of 23 hours. The agent experience is the same whether the quote is instant or referred.

The average bound premium across all Wyoming E&S product lines on Pathpoint is $3,221. Cost varies by product line: LRO averages $1,854 with a typical range of $500 to $2,498, Contractors averages $3,682 with a typical range of $1,198 to $3,711, and Monoline Property runs highest at an average of $4,901 with a typical range of $1,750 to $5,948. A 3.0% surplus lines tax is added at checkout. Final pricing depends on the specific class, limits, location, and risk profile submitted.

No. Wyoming does not have a stamping office, so there are no SLIP stamp fees or stamping filings required when placing surplus lines business in the state. Pathpoint handles all surplus lines tax filing and compliance documentation electronically as part of every bind. Wyoming uses the home-state filing method under the NRRA (Nonadmitted and Reinsurance Reform Act) and requires a diligent search of 3 declinations from admitted carriers before a surplus lines policy can be placed.