What This License Is
A Wyoming Casualty line of authority covers liability insurance — automobile, general liability, professional liability and the commercial casualty lines. It is issued by the Wyoming Insurance Department and examined as exam code 04.
Most candidates reach it through the combined Property and Casualty paper, code 06, which is $113 against $192 for the two single papers and sits inside the same $100 application fee group.
One boundary matters more here than in almost any other state. Wyoming's workers' compensation is a monopolistic state fund, grounded in the state constitution. A Wyoming producer cannot sell statutory workers' compensation coverage for employment the act covers — it comes from the State fund administered by the Department of Workforce Services. What a producer can place is coverage for employments and persons outside the act's reach. That distinction is worth being precise about with clients, and it is covered below.
Exam Options & Format
The standalone examination is exam code 04: 100 questions in 2 hours at $96. The combined Property and Casualty paper, code 06, is 150 questions in 2 hours 30 minutes at $113.
Both run in two parts, a General section and a Wyoming State section, scored together as one paper — and partial passes are not permitted, so failing part of a combination exam means retaking the whole thing.
The content outlines effective July 31, 2025 give Casualty 50 scored plus 5 pretest general and 35 scored plus 5 pretest Wyoming state, totalling 95 against the handbook's printed 100.
The passing standard is 70 percent of questions answered correctly. Online proctored delivery is available — see the Health guide.
Most Tested Topics on the Wyoming Casualty Exam
Wyoming's motorist coverages and its workers' compensation structure are both unusual enough that national prep will actively mislead you. These are the facts the state section tests:
| Concept | The Wyoming rule |
|---|---|
| Mandatory liability minimum limits | $25,000 for bodily injury to or death of one person, $50,000 for two or more persons, $20,000 for property damage — W.S. 31-9-405(b)(ii). Note the property damage figure is 20, not the 25 many neighbouring states use |
| Uninsured motorist — mandatory, not merely offered | No auto liability policy may be delivered or issued for delivery in Wyoming "unless coverage is provided therein or supplemental thereto" for UM, at the bodily injury limits in W.S. 31-9-102(a)(xi) — W.S. 31-10-101. It is a mandate on the policy form |
| Rejecting UM — no writing required | "The named insured may reject the coverage." The statute imposes no writing requirement and prescribes no rejection form — W.S. 31-10-101 |
| The writing runs the other way | Once rejected, UM "need not be provided in or supplemental to a renewal policy where the named insured had rejected the coverage in connection with the policy previously issued to him by the same insurer" — unless the named insured requests the coverage in writing. Silence at renewal perpetuates the rejection — W.S. 31-10-101 |
| Uninsured motor vehicle, defined | Extended to an insured vehicle where the liability insurer "is unable to make payment... because of insolvency" — insolvency only, not inadequate limits — W.S. 31-10-102 |
| Underinsured motorist | Wyoming's code does not mandate UIM and does not require an offer of it. Title 31 chapter 10 contains four sections and none reaches a vehicle whose limits are merely inadequate. UIM here is a matter of contract |
| Driving uninsured | A misdemeanor: imprisonment not more than 6 months, a fine of not less than $500 nor more than $1,500, or both. On a second or subsequent violation the judge must require delivery of the registration and licence plates to the county treasurer — W.S. 31-4-103 |
| Proof of financial responsibility | Once required, proof "shall be maintained for three (3) years from the date it is required" — W.S. 31-9-401. The certificate-of-insurance filing is the SR-22 analogue at W.S. 31-9-403 |
| Salvage — two triggers, one percentage | Where an insurer is involved, the trigger is the insurer's total-loss declaration, with no percentage. The 75% of actual retail cash value test applies only where no insurance company is involved in the settlement — W.S. 31-2-106 |
| Workers' compensation is a state fund | The Wyoming Constitution obliges the State to maintain a fund for compensation in extrahazardous employments — Wyo. Const. art. 10 §4(c) — and W.S. 27-14-201(a) makes the account "one and indivisible" with classes and rates set by the Division. A producer cannot sell statutory coverage for covered employment |
| Who must be covered | Compulsory only for employment the act deems extrahazardous, enumerated by NAICS sector — W.S. 27-14-108(a)(ii). Other employers may elect coverage, and an election under (j) must cover all the employer's employees; officers, LLC members and partners elect under (k) with an eight-quarter lock-in |
| Exclusive remedy, and its two carve-outs | The act's remedies are in lieu of all others against a contributing employer and co-employees — unless the employees intentionally act to cause physical harm — and immunity does not apply where the employer failed to qualify or has not paid required premiums within 30 days of the due date — W.S. 27-14-104(a), (c). One proviso rides with it: where the employee's employment starts in the same month as the injury, delinquency does not apply until after the regular payroll reporting date |
| Claim payment deadline | Property or casualty claims are rejected, or accepted and paid, within 45 days after receipt of the claim and supporting bills — W.S. 26-15-124(b). A court finding a refusal "unreasonable or without cause" may award attorney's fees and 10 percent per year interest |
The uninsured motorist rule is the one to get right, because it inverts twice. First, UM is not a mandatory offer in Wyoming — it is mandatory coverage: no policy may be delivered unless UM is provided in it or supplemental to it. Second, and this is where nearly every study guide goes wrong, rejecting it requires no writing. The statute says simply that the named insured may reject the coverage. The writing requirement exists, but it runs the opposite way: once you have rejected, the coverage need not appear in a renewal from the same insurer unless you request it in writing. Silence rejects at issue, and silence perpetuates the rejection at renewal.
And underinsured motorist coverage is simply not in the statute. Chapter 10 of Title 31 has four sections, and "uninsured motor vehicle" is extended only to a vehicle whose liability insurer is insolvent — not to one whose limits are inadequate. There is no UIM mandate and no UIM offer requirement in Wyoming law. A question that assumes there is one is testing a rule from somewhere else.
Workers' compensation is constitutional before it is statutory. Article 10, section 4(c) of the Wyoming Constitution requires the State to maintain a fund for compensation in extrahazardous employments and restricts what the fund's money may be spent on. That is why the fund is monopolistic — the obligation is tied to a State fund rather than to a market. Coverage is compulsory only for NAICS-defined extrahazardous employment; everything else is elective, and an employer electing under W.S. 27-14-108(j) "may only elect to cover all his employees."
Fingerprinting and the Wyoming Background Check
Wyoming's fingerprint step runs on the opposite sequence from most states, and getting it wrong wastes your prints and your money.
You apply first. Then the Department mails you a packet. The Department's own capitalisation makes the point: "DO NOT SEND IN YOUR FINGERPRINTS BEFORE YOU HAVE APPLIED! If we do not have an application on file the fingerprint cards will be destroyed." The sequence is: pass the exam, apply and pay, receive the packet, return the prints.
It is a physical card packet, not an electronic capture. "A fingerprinting packet will be mailed to you after we receive your application." The packet comes from the Wyoming Insurance Department itself. There is no enrolment vendor to book with, no service code to quote, and no appointment to schedule — which also means there is nothing to do until your application is on file.
Who has to. Residents getting an insurance licence for the first time: "If you are a Wyoming resident and are getting your insurance license for the first time you will need to be fingerprinted."
Who does not. Non-residents, expressly: "There is no fingerprinting requirement for non-residents." That is an affirmative exemption sentence rather than an inference, and it is one of the reasons a non-resident application often clears the same day.
The fee is $39, charged in addition to the licence fee, and it applies to resident initial applications only. Both the Department's fee table and NIPR's Wyoming resident page carry the figure.
Turnaround. "Processing time for your background check usually runs 2-3 weeks from the day we receive your fingerprints." Set against the Department's typical 30-day application-to-issuance turnaround, the background check is most of the wait — which is the practical argument for returning the cards the day the packet arrives.
No ORI or service code is published, and none is needed for a card-based process. The Department's producer FAQs and its limited-lines page were both checked. If a study site gives you a Wyoming fingerprint service code, it did not come from the Department.
One thing the Department does not publish is how long prints stay valid once taken. There is no stated validity window on the licensing pages, so if your application stalls, ask rather than assume.
What It Costs
$96 to Pearson VUE for the Casualty exam, $100 to the Department with the application, and $39 for the fingerprint packet if you are a first-time resident — about $235, with no pre-licensing course.
The combined Property and Casualty paper at $113 covers both lines for one sitting, and the $100 application fee covers the whole Property, Casualty and Personal Lines group either way.
Non-residents pay $150 for the application and are not fingerprinted, so a non-resident's cost is the exam fee plus $150 — and often approved the same day.
Adding a line inside a fee group you already hold is free. Crossing into the other group — the Life, Accident and Sickness and Variable group — costs another $100 for residents or $150 for non-residents.
Eligibility Requirements
You must be at least 18 years old, and residents must pass the Wyoming licensing examination for the lines of authority sought before applying. Wyoming's Department of Insurance describes a three-step path for residents — pass the exam, apply and pay the fee, then complete the fingerprint background check — with no pre-licensing course step in it.
A criminal record does not automatically bar a licence. The Department's FAQ addresses it directly, and an applicant answering yes to a background question uploads four items to the NIPR Attachment Warehouse: the original charging documents; final disposition documents including the judge's final order and any fines or sentencing; proof that all fines are paid and all sentencing including probation is complete; and a written explanation of the circumstances. Federal law at 18 U.S.C. 1033 separately requires written consent for anyone convicted of a felony involving dishonesty or breach of trust.
Keeping Your License Active
Important CE details: Twenty-four classroom hours in each two-year licensing period, three of them ethics. Credits above the 24 carry forward to the next term, capped at 12 and only if earned within 120 days of expiration, and carryover counts as general credit rather than ethics. There has been no continuing education fee since January 1, 2023, and the Department grants no extensions for any reason. Providers have 15 days to file completion certificates, so finish more than 30 days out.
Twenty-four classroom hours per two-year licensing period including three ethics hours, renewing on the last day of your birth month. The Property & Casualty guide covers the mechanics, the 12-credit carryover cap and the one-year reinstatement cliff.
Casualty producers carry no product-specific training requirement — the four-credit annuity course attaches to the life line. Note that the Department grants no continuing education extensions for any reason, which makes the 30-day filing margin worth taking seriously.
Quick Reference
Official Links
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