Restaurant Insurance in Wyoming
The policies a Wyoming restaurant, bar, food truck, or catering operation needs — what the state requires, what's strongly advised, and what it costs.
Reviewed by J. Robert Smith, Licensed Insurance Agent (NPN 10378680). Last updated .
In Wyoming, a restaurant's core program is general liability, a property or business-owner's policy (BOP), and commercial auto for any delivery. Workers' compensation is mandatory once you hire staff, and dram-shop law exposes any alcohol-serving business, so liquor liability is strongly advised. This hub compares Wyoming's workers' comp and liquor-liability rules and cost alongside the coverages every restaurant and bar should carry.
- Workers’ comp
- Required once you hire staff
- Liquor liability
- Dram-shop law applies — strongly advised
- Dram-shop law
- Yes
- Suggested liquor limits
- $1M/$2M
Workers’ compensation in Wyoming
Yes. Wyoming requires workers' compensation for restaurants because food service (NAICS sector 72) is statutorily enumerated as extrahazardous covered employment, so every paid restaurant employee must be insured. Wyoming is a monopolistic state fund; coverage is sold only through the Department of Workforce Services, not private carriers. Sole proprietors, partners, LLC members, and corporate officers are exempt unless they elect coverage.
Full Wyoming workers’ comp guide — thresholds, exemptions, and rates →
Liquor liability & dram-shop law in Wyoming
Wyoming grants broad statutory immunity to those who lawfully furnish alcohol (Wyo. Stat. § 12-8-301) — serving an obviously intoxicated adult creates no vendor liability. Liability survives only where the service itself broke the law, chiefly furnishing to a minor. A bar’s exposure is narrow but real for underage service, and coverage is still commonly required.
Full Wyoming liquor-liability guide — the statute, limits, and cost →
Coverages every Wyoming restaurant should weigh
- General liability
Third-party slip-and-fall and property-damage claims — the foundation policy.
- Business owner’s policy (BOP)
Bundles general liability with property coverage for your building, equipment, and contents.
- Commercial property
Kitchen equipment, tenant improvements, signage, and inventory.
- Commercial & hired/non-owned auto
Delivery, catering runs, and errands in owned or employee vehicles.
- Employment practices (EPLI)
Harassment, discrimination, and wrongful-termination claims from staff.
- Umbrella
Extra limits above your liquor, auto, and general liability policies.
Wyoming regulators
Talk to an agent who insures food & beverage every day
A licensed commercial-lines agent who specializes in restaurants and bars will review your coverage, close the gaps that catch owners, and show you what a program actually costs — before anything is bound.