Insurance Products Wyoming

Business Insurance

Commercial Auto (Liability & Physical Damage)
Commercial auto insurance is liability and physical damage protection for vehicles, such as cars, trucks and vans that are used for business. Commercial vehicles require a separate policy because they’re typically exposed to more risk than personal vehicles.
Commercial Auto (Physical Damage Only)
Physical damage insurance protects businesses from financial losses resulting from damage to autos they own or hire.
Commercial Auto Hard to Place
Commercial auto policy for difficult or unique risk types that are usually categorized as hard to place due to lack of experience, poor claim frequency/severity, prior cancellation/nonrenewal or lack of market availability. List of Business Types: * Extra Heavy Trucks * Fleets * Land Recreational Vehicles * Long Haul Tracking * Non Hired/Hired/Drive Other Car * Non-Owned Hired Auto * Rental and Leasing Vehicle Companies * Tow Trucks * Waste Garbage Carrier
Motor Truck Cargo
An inland marine form covering property in the course of transit, either by common carrier or by the insured’s owned vehicles.  Protects carriers from legal liability as a result of loss, theft or destruction of cargo in transit including loading and unloading.
Commercial Package Policy
A package insurance policy that provides both liability and property coverage for businesses and other organizations. This policy has a range of coverages and limits, allowing a business additional flexibility in tailoring their coverage to its specific needs.
Bars & Taverns

Bars & Taverns

Commercial Package Policy tailored for businesses in the hospitality industry such as hotels, motels, restaurants, bars, taverns, and nightclubs.
Offices
A package insurance policy that provides both liability and property coverage for businesses and other organizations. This policy has a range of coverages and limits, allowing a business additional flexibility in tailoring their coverage to its specific needs.
Restaurants & Cafes
Commercial Package Policy tailored for businesses in the hospitality industry such as hotels, motels, restaurants, bars, taverns, and nightclubs.
Retail
A package insurance policy that provides both liability and property coverage for businesses and other organizations. This policy has a range of coverages and limits, allowing a business additional flexibility in tailoring their coverage to its specific needs.
Shopping Centers
A package insurance policy that provides both liability and property coverage for businesses and other organizations. This policy has a range of coverages and limits, allowing a business additional flexibility in tailoring their coverage to its specific needs.
Lessor's Risk
Policy designed to provide liability and property protection for building owners who lease their building. Coverage is designed for owners of commercial property, such as warehouses, shopping centers, office space, apartment buildings and other building types.
General Liability
A standard insurance policy issued to business organizations to protect them against liability claims for bodily injury (BI) and property damage (PD) arising out of premises, operations, products, and completed operations; and advertising and personal injury (PI) liability.
Garage
Specialty insurance targeted to the automotive industry. Policy protects property damage and bodily injury resulting from operations of automobile dealerships, parking lots, parking garage operators, tow-truck operators, service stations, repair shops, and other automotive related businesses. Garagekeepers Legal Liability may be added to protect the customer’s vehicle when in the care, custody and control of the business owner. Dealers Open Lot may be added for franchise and non-franchise auto dealerships offering physical damage coverage for vehicles owned by the dealership. List of Business Types: * Non-Dealer * Used Car Dealer
Excess Dealers Open Lot
A type of policy that provides limits that exceed the underlying physical damage coverage for dealer owned vehicles being held in inventory for resale.
Excess Garagekeepers Legal Liability
A type of policy that provides limits in excess of the underlying Garagekeepers Legal Liability coverage. Designed for automotive service type risks, such as auto repair shops, paint and body shops, etc. It protects a customer's vehicle left in the business owners care, custody and control at a covered location for service.
Directors' & Officers' Liability (D&O)
A type of liability insurance covering directors and officers for claims made against them while serving on a board of directors and/or as an officer. D&O liability insurance can be written to cover the directors and officers of for-profit businesses, privately held firms, not-for-profit organizations, and educational institutions. In effect, the policies function as "management errors and omissions liability insurance," covering claims resulting from managerial decisions that have adverse financial consequences.
Nonprofit Organization
Specialty program providing targeted coverages such as General Liability, Commercial Auto, Umbrella, Directors & Officers and Sexual Abuse Liability just to name a few to ensure that all aspects of a nonprofit organization are covered to protect against risks that could leave these organization’s exposed while fulfilling the organization’s mission. 
Professional Liability
A type of liability coverage designed to protect traditional professionals (e.g., accountants, attorneys) and quasi-professionals (e.g., real estate brokers, consultants) against liability incurred as a result of errors and omissions in performing their professional services.
Lumber Specialty
Comprehensive package policy for businesses involved in the wood products industry. Coverage applies to distributors of building materials, hardware stores and the primary and secondary manufacturers of wood.
Contractor Equipment Floater
A form of property insurance covering loss or damage to equipment that is often moved from place to place.
Commercial Monoline Property
An insurance policy for businesses and other organizations that insures against damage to their buildings and contents due to a covered cause of loss.
Financial Institutions

Financial Institutions

This program is tailored for small to mid-sized financial institutions. Comprehensive coverage specifically tailored to meet the needs of small to mid-sized financial institutions.
Aviation
Businesses that elect to use private aircraft in their operations must purchase specialty insurance to cover their aircraft liability loss exposure: aircraft liability coverage or stand-alone non-owned aircraft liability and perhaps excess aircraft liability coverage as well. Coverage for third-party aircraft liability is often provided, which also includes hull (physical damage) and medical payments coverages. Aircraft policies are not standardized and vary widely. Some insurers offer policies that combine aircraft liability and hull with other aviation coverages, such as aircraft products liability, airport liability, land-based general liability, and hangar keepers liability coverage.
Lawyers Professional Liability

Lawyers Professional Liability

A type of liability coverage designed to protect attorneys against liability incurred as a result of errors and omissions in performing their professional duties.

Personal Lines

Apartments

Apartments

A package insurance policy that provides both liability and property coverage for businesses and other organizations. This policy has a range of coverages and limits, allowing a business additional flexibility in tailoring their coverage to its specific needs.
Animal Liability
Most homeowners insurance policies limit animal-related insurance coverage, restrict certain animals or exclude animal liability coverage altogether. Animal liability insurance covers bodily injury or property damage your pets cause others who are not residents of your home. Provides coverage for medical expenses related to the injuries and legal costs if you are sued.
Yacht Insurance

Yacht Insurance

Boat insurance for personal watercraft, yachts and wet charters. Provides worldwide coverage for Hull and Machinery, Personal Property, and Liability coverage in addition to customizable coverages and deductible options.