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What type of insurance do you need?
Your home insurance gives you a backup plan if your home is impacted by a disaster. Whether it's a fire, an electrical storm, a windstorm, or a rash of burglaries, having a suitable homeowners insurance policy in Wyoming can bring the peace of mind that comes from knowing that the policy can absorb financial losses. These policies typically include dwelling insurance, contents insurance, liability, and loss of use insurance.
Accidents can happen in the blink of an eye. If a driver is at fault, they can be held liable for the cost to repair other people’s damaged property as well as for the treatment of their injuries. Given the high cost of healthcare, an accident that involves injuries can be extremely expensive and could cause a great deal of financial harm.
Car insurance in Wyoming includes a mixture of mandatory and optional coverage. If a policyholder is involved in a collision, or a non-collision incident such as car theft, car insurance provides collision and comprehensive insurance, liability, personal injury protection, bodily injury liability insurance, and uninsured motorist coverage.
Business insurance is designed to protect companies against financial losses related to potential hazards like severe weather events, property crimes, and liability lawsuits. This insurance can prove quite beneficial. In 2019 alone, businesses in Wyoming collected approximately $919 million in insurance claims.
Wyoming operates an exclusive state fund from which worker's compensation must be purchased. Insurance companies may not sell worker's compensation insurance in Wyoming, and employers may not self-insure.
All employers must buy Wyoming workmans’ compensation insurance through Employer Services at the Department of Workforce Services.
A typical restaurant insurance policy in Wyoming includes the following: general liability, workers' comp, property insurance, business income, ordinance and law, boiler and machinery, spoilage, and communicable disease coverage.
No two Wyoming restaurants are exactly the same, which means that what one owner needs for their restaurant will never be the same as any other owner. However, an underwriter will consider all aspects of a restaurant when writing a policy. More importantly, an agent will look at all these factors to provide a range of coverage options from different providers.
Depending on the policy chosen and the added coverage included in the policy, commercial auto insurance in Wyoming can include the following coverages: bodily injury, personal injury, collision and comprehensive coverage, and medical payments. There may be other options available depending on the type of business. Insurance companies offer policies tailored to the specific needs of businesses.
When people think of Wyoming, they can’t help but think of the Rocky Mountains. It’s also famous for Yellowstone National Park, followed closely by Grand Teton National Park, along with countless other opportunities to ski and hike. Needless to say, there are plenty of tourists to keep hotels busy. And that means considering the risks that can lead to claims. After all, Wyoming has had natural disasters that have warranted both state-level and presidential disaster declarations. The most common insurance claims in Wyoming include weather-related damage, business interruption, fire damage, liability claims and data breaches.
Umbrella insurance in Wyoming works to extend and expand the existing liability coverage from homeowners and auto insurance policies to protect the policyholder, their home, and their future earnings and assets if someone sues them. This extra insurance raises coverage limits and covers the types of claims that homeowners liability cannot cover such as false arrest, certain types of dog bites, libel, and slander.
If a tenant rents a home in Wyoming, having insurance protection for themselves and their possessions is still important. Similar to home insurance, renters insurance protects them in situations that anyone might face: fire, theft, water damage, and other unforeseen circumstances not covered by the property owner's landlord policy.
If an individual's family depends on their income for financial support, even in part, or the family would have a hard time paying for funeral and final costs, life insurance is probably necessary. Even if someone lives alone, a life insurance policy can serve as a safe way to save for retirement.
Many people assume they do not need to think about life insurance until they are nearing the midpoint of their careers. However, young people are in the best position to lock in a low rate on a permanent life insurance policy while they are still healthy. Great rates become more difficult to find as people age, but even if they are not in good health, they can usually find an affordable term life policy to protect their family
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“The website was so easy to use and navigate and it was not overly intimidating. Everybody I dealt with was professional.”Home Insurance Customer
"TrustedChoice.com was the first option that showed up on Google. They can find agents in your neighborhood."Business Insurance Customer
"Fast & easy service. They did most of the work for me, which helped me focus more time on my restaurant."Restaurant Insurance Customer
“TrustedChoice.com provided friendly and helpful service. Great experience.”Workers' Comp Customer
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