Church Insurance in Wyoming
Wyoming churches deal with some of the strongest winds in the country, along with hail, heavy snow and wildfire. Congregations in Cheyenne, Casper, Laramie, Gillette and small mountain and ranch towns often serve wide areas and long drives, which shapes both property and auto coverage.
Wyoming Church Coverage
- Church property insurance with a clear wind and hail deductible.
- General liability for worship, camps and community events.
- Abuse and molestation insurance for kids and youth.
- D&O insurance for boards and employment decisions.
- Church auto coverage for long winter drives.
Small congregations can start with small church insurance.
Wyoming Wind, Snow and Wildfire Risks
High winds and hail cause many Wyoming church roof claims, so roof condition and wind deductibles matter. Snow load and frozen pipes are common winter problems. Wildfire affects churches in forested and rangeland areas, and western Wyoming has seismic activity, so consider earthquake coverage.
Wyoming Workers’ Compensation for Churches
Wyoming is a monopolistic state fund system. Under Wyo. Stat. § 27-14-108, coverage through the state’s Department of Workforce Services is required for employers in industries the law lists as extrahazardous, and other employers, which may include many churches, can elect coverage. Private insurers do not write Wyoming workers’ compensation, so ask about employer’s liability coverage as well. Check with the Department about your church’s classification. This is general information, not legal advice.
Wyoming Volunteer Immunity Under Wyo. Stat. § 1-1-125
Wyo. Stat. § 1-1-125 protects volunteers, including uncompensated officers, directors and trustees, who provide services for tax-exempt nonprofit organizations from personal civil liability for acts within their duties, subject to exceptions in the statute. In a suit against the nonprofit based on a volunteer’s conduct, the organization can still be held liable under respondeat superior.
That means the church, not the volunteer, usually carries the claim, so liability, abuse and D&O coverage are essential. More on our nonprofit insurance page. This is general information, not legal advice.
Working With Church Property Insurance on Your Wyoming Policy
Church Property Insurance has helped congregations since 2012 and has worked with more than 500 churches nationwide. Kevin Edwards is a licensed insurance agent and an active youth pastor, so the questions we ask about your building, your ministries and your volunteers come from someone who serves in a church every week. We do not charge broker fees; we are paid by carrier commission, and any taxes or fees a state requires are shown on your quote. Turnaround depends on the carrier and on how complete your information is, so we will tell you what to expect when we start. Request a church insurance quote to begin.
Wyoming Church Insurance FAQs
Does a Wyoming church have to carry workers comp?
Wyoming requires state fund coverage for employers in industries listed as extrahazardous, and other employers can elect it. Check your classification with the Department of Workforce Services.
Can a Wyoming church buy workers comp from a private insurer?
No. Wyoming workers compensation comes from the state fund.
Are Wyoming church volunteers protected?
Wyo. Stat. 1-1-125 protects volunteers of tax-exempt nonprofits for acts within their duties, subject to exceptions.
Is the church itself protected under Wyoming law?
No. The organization can still be liable for its volunteers conduct under respondeat superior.
Why are wind deductibles important for Wyoming churches?
High winds and hail cause many roof claims, and separate deductibles can be large.