The department reads your insurer’s standing before it reads your policy
This is the Wyoming provision with the most direct bearing on how a program is placed, and it is easy to skim past because it sits in a subsection about depositing insurance.
Under W.S. 31-18-209(f), what a contract carrier deposits with the department has to come from an insurer that is either authorized to do business here or is, in the statute’s words, “lawfully able to transact insurance without a certificate of authority pursuant to title 26” of the Wyoming statutes — and that second route is settled “as determined by the insurance commissioner of this state.” An alternative of other adequate security is allowed, and what the security has to reach is cargo, public liability and property damage, for the protection of the public generally. The eligibility test therefore lives in the transportation statute but is decided against the insurance code.
The continuity machinery in the same subsection is what a first-year carrier should plan around. Whatever is deposited has to be continuous, and it stays in force “unless and until cancelled on not less than thirty (30) days written notice to the department” — with the count starting, per the statute, from the day the notice reaches the department’s office rather than the day the insurer mails it.
The consequence is automatic rather than discretionary. On the cancellation’s effective date, the subsection provides, the filing “shall … suspend the operating authority of the affected carrier”, and no operations may be conducted on any highway until replacement security in the required form and amount “becomes effective and is approved by the department.” Those last words carry the weight: a replacement that has been filed is not yet a replacement that has been approved, and the truck waits for the second event, not the first.
The department states the minimum limits in its manual rather than in the statute, which carries no amount. Form E for liability is $750,000.00 combined single limit. Form H for cargo is $10,000.00. Form MC61E, the mobile home mover’s cargo filing, is $5,000.00. Private-only motor carriers are exempt from the insurance filing requirements altogether, and a contract motor carrier “must always have the Form E Liability filing.” The cargo filing is required when hauling commodities with appreciable salvage value, and Form K is the cancellation notice.
On who may make the filing and what will not be accepted, both the authority page and the manual are unambiguous. The forms “must be completed by a broker, underwriter or other authorized company representative”, filings go to the Regulatory Section by post or to the department’s motor vehicle services email address, and — in the manual — “[c]ertificates of insurance are not acceptable.” The authority page states the exclusion more broadly: “Wyoming does not accept ADCO or ACCORD certificates, binders, abstracts or insurance ID cards for intrastate authority.”
That last sentence is worth setting against practice in neighboring jurisdictions, because a broker working several states will otherwise apply the wrong habit. Some state offices ask for exactly the document Wyoming refuses — the Connecticut page covers a registration office that requires an Acord certificate naming itself as certificate holder. The instrument that opens an account in one state closes nothing in Wyoming.
- Insurer eligibility — authorized in Wyoming, or lawfully able to transact insurance without a certificate of authority under title 26 as determined by the insurance commissioner, W.S. 31-18-209(f); read September 3, 2026.
- Coverage deposited must reach cargo, public liability and property damage, or other adequate security.
- Cancellation runs on not less than thirty days written notice, counted from receipt at the department.
- On the cancellation’s effective date the authority is suspended, and no operations may be conducted until a replacement becomes effective and is approved.
- Manual minimums — Form E $750,000.00 combined single limit, Form H $10,000.00, Form MC61E $5,000.00; private-only carriers are exempt from filing, department manual read September 3, 2026.