Wyoming Workers' Compensation Cost Calculator
Key facts: workers' comp in Wyoming
- Who must be covered
- Mandatory for extra-hazardous industriesOfficial agency: DWS
- Average rate
- $1.41 per $100 of payrollRank #8 of 51 (#1 = most expensive), above the $1.09 national median
- Rating organization
- State fund (DWS)Exclusive state fund
- Verified from official records
- October 3, 2026Rates: Oregon DCBS study, June 2025
Wyoming ties the requirement to the industry rather than headcount: businesses in an extra-hazardous industry (determined by NAICS code) must have coverage through the Department of Workforce Services before work begins. Other businesses can choose to buy it.
Rates in effect January 1, 2024 · Oregon Department of Consumer and Business Services, 2024 study (June 2025) · Nothing you enter leaves your browser
2024 study rate for all industries in Wyoming. Edit it if your policy shows a different rate.
For the class you're pricing. Insurers rate each class code's payroll separately.
Printed on your experience rating worksheet or renewal. New or small employers that don't qualify for experience rating are rated at 1.00.
Estimated premium
$14,100
per year at an EMR of 1.00
At an average mod
$14,100
per year at an EMR of 1.00
Your EMR's impact
$0
no adjustment
Effective cost: $1.41 per $100 of payroll.
At an EMR of 1.00, your claims history neither raises nor lowers this premium.
Every claim from now on counts toward your next three renewals. IncidentLog makes the first step — a complete, same-day incident report — take about 90 seconds from a job-site QR code.
Create a free accountEstimate before schedule credits or debits, premium discounts, expense constants, state assessments and minimum premiums — your insurer's quote will differ.
Who must carry workers' comp in Wyoming?
Mandatory for extra-hazardous industries
Coverage through the Department of Workforce Services is mandatory for businesses in an extra-hazardous industry, determined from their NAICS code, and must be in place before work begins. Other businesses can choose to buy it.
Official agency
Wyoming Department of Workforce Services (DWS)
Market: Exclusive state fund
Wyoming workers' comp rates by business type
Rate per $100 of payroll for common class codes in Wyoming, against the median of the 51 jurisdictions in the study.
| Business type (NCCI code) | Wyoming | U.S. median | Difference |
|---|---|---|---|
| Office and clerical staff (8810) | $0.40 | $0.11 | +264% |
| Retail store (8017) | $2.12 | $1.20 | +77% |
| Restaurant (full service) (9082) | $1.48 | $1.09 | +36% |
| Restaurant (fast food) (9083) | $1.48 | $1.09 | +36% |
| Hotel (all other employees) (9052) | $3.15 | $1.79 | +76% |
| Assisted living / retirement center (care staff) (8824) | $3.85 | $2.03 | +90% |
| Hospital (professional staff) (8833) | $1.27 | $0.82 | +55% |
| Electrical contractor (5190) | $3.32 | $2.37 | +40% |
| Plumbing contractor (5183) | $3.32 | $2.70 | +23% |
| Residential carpentry (up to 3 stories) (5645) | $3.68 | $8.71 | −58% |
| Roofing (5551) | $3.32 | $9.64 | −66% |
| Trucking (7219) | $5.72 | $5.72 | 0% |
Wyoming doesn't use NCCI class codes; the study maps each class to the closest Wyoming equivalent. Your insurer applies the rate for your own classes, then your EMR.
What a bad EMR costs in Wyoming
Take $500,000 of payroll at Wyoming's $1.41 index rate: $7,050 a year at an average mod of 1.00.
- EMR 0.85
- $5,993/yr
- EMR 1.25
- $8,813/yr
- Difference
- +$2,820/yr
A claim year usually stays in the mod for three renewals, so the gap adds up to about $8,460. The mod is built from claims, and the cheapest claim is the injury caught early.
IncidentLog lets crews report an injury or near miss from a job-site QR code in about 90 seconds, so you hear about it the same shift and see patterns on your OSHA 300 log before they become claims.
Create a free accountWyoming workers' comp FAQ
Is workers' comp insurance mandatory in Wyoming?
Only in some industries. Coverage through the Department of Workforce Services is mandatory for businesses in an extra-hazardous industry, determined from their NAICS code, and must be in place before work begins. Other businesses can choose to buy it. Source: Wyoming Department of Workforce Services.
How are workers' comp rates set in Wyoming?
Wyoming has an exclusive (monopolistic) state fund run by Wyoming Department of Workforce Services (DWS), and the Oregon DCBS study lists that fund as the state's rating organization, so the fund sets the rates. Your own premium then depends on your class codes, your payroll and your experience modification rate (EMR).
What is the average workers' comp rate in Wyoming?
The Oregon Department of Consumer and Business Services's 2024 study puts Wyoming's all-industry index rate at $1.41 per $100 of payroll for rates in effect on January 1, 2024, 130% of the study's national median of $1.09. That ranks Wyoming #8 of 51 jurisdictions, where #1 is the most expensive (#7 in the 2022 study). Your own rate depends on your class codes.
Sources
Official texts behind this page (4 quotes)
“The Wyoming Department of Workforce Services (DWS) helps employers get the right Workers’ Compensation coverage—clearly, quickly, and with support when you need it.”
Workers' Compensation for employers — Wyoming Department of Workforce Services (opens in a new tab) · checked October 3, 2026
“If your business is in an extra-hazardous industry, Workers’ Compensation coverage through DWS is required before work begins in Wyoming.”
Workers' Compensation for employers — Wyoming Department of Workforce Services (opens in a new tab) · checked October 3, 2026
“Coverage is based on your business activity and determined using the North American Industry Classification System (NAICS).”
Workers' Compensation for employers — Wyoming Department of Workforce Services (opens in a new tab) · checked October 3, 2026
“If your business is optional, you may still choose coverage”
Workers' Compensation for employers — Wyoming Department of Workforce Services (opens in a new tab) · checked October 3, 2026
An estimate for planning, not a quote, legal or insurance advice. IncidentLog is not an insurer or broker. Median rate across all industries: $1.09 per $100.