How much does religious organization insurance cost in Wyoming? (2026)
Every dollar figure on this page is a statutory coverage requirement or a filed industry benchmark — not the premium you will pay. What you actually pay depends on your payroll, revenue, claims history, limits and carrier.
Religious Organization insurance pricing in Wyoming is shaped by the same state-specific bureau loss-cost filings that govern every commercial policy issued in Wyoming. Below: the most-recent Wyoming filings affecting religious organization operations, cited to the regulator or bureau filings they came from — primary-source, government-held pricing records. Read the full national context on the Religious Organization cost guide.
Recent rate-filing activity — 1 state filings across 1 commercial line
Commercial carriers can't charge whatever they want — each state's Department of Insurance must approve loss-cost filings before they take effect. These are primary-source, government-held records available on SERFF Filing Access. Cited below: the most-recent active filings affecting religious organization operations, each cited to the regulator or bureau filing it came from.
| Line | State | Overall change | Effective | Filing |
|---|---|---|---|---|
| WC | WY | -15.0% overall (per-class -2.25% to -27.75%); -33% cumulative 3-year | Jan 1, 2026 | — |
Source: SERFF Filing Access (filingaccess.serff.com) — the official public-records interface for state Department of Insurance filings. Loss-cost changes shown are the overall bureau-wide change in each state; the actual impact on your quote depends on your class code, payroll, experience modifier, and carrier-specific loss-cost multiplier (LCM). Get a quote for your exact numbers.
Scope note: the filings tabulated above reflect NCCI class 9586 (Barber/Beauty Services) as an illustrative example of WC filing structure. Religious-organization operators' actual WC class is NCCI 9012 (Building Operations — Clergy Operations) — clergy and ministry staff typically classify under 9012; church-school staff may also classify under 8868 (Schools — Professional Employees) and 9101 (College or Schools — All Other Employees) for educational-affiliate operations. Religious-organization premium frequently includes Sexual Abuse and Molestation (SAM) endorsement riders not reflected in raw filed WC rates. The per-state ranges shown reflect cross-class WC mechanics rather than 9012/8868/9101 rates specifically. Confirm your specific class-code mapping at quote with your underwriter.
National context — Religious Organization insurance overview
Religious-organization insurance (NAIC 813110) is dominated by a single high-stakes coverage decision: Sexual Misconduct & Molestation Liability (SMML). Typical General Liability policies EXCLUDE sexual abuse claims by default — churches must purchase SMML as a separate endorsement OR as standalone coverage. Recent state law changes (extending statutes of limitations for childhood sexual abuse claims) plus rising claim severity have pushed major-carrier capacity OUT of the religious market — Hartford + Liberty Mutual have limited or eliminated SMML in many states. Operators increasingly rely on the three religious-specialist carriers (Brotherhood Mutual, Church Mutual, GuideOne) OR the excess-and-surplus-lines market at materially higher pricing.
The #1 financial-risk insight for church operators most don't know about until they read a denied-claim letter: your GL policy probably does NOT cover an abuse claim. Cost of a single substantiated claim is routinely $1M+ in defense + settlement (Church Law and Tax canonical reference). For 40% of the small-business operators who quote with us today, this is the most material insurance decision their organization makes.
Workers Comp under NCCI 9012 (Religious Organization — Employees) is low loss-cost ($0.30-$1.50 per $100 of payroll) for clergy + admin staff. Add Commercial Property for the sanctuary + parsonage + classrooms, plus D&O for the board, plus Volunteer Accident + commercial auto for the church van. Every number on this page is sourced from a named external publication (Brotherhood Mutual, Church Mutual, GuideOne, Church Law and Tax, NCCI). Use the calculator below to estimate your range, then get a real quote in 5 minutes from 10+ carriers.
National benchmark figures
Published cost ranges for Religious Organization insurance — useful as a national baseline against which the Wyoming filings above signal local direction.
Industry-typical market ranges (national)
Sourced from III, NCCI, ISO, NAIC, BLS, FMCSA, FDA, NRA — government and bureau publications, not from our quote form
Market ranges from published industry sources:
- Small church General Liability only: $700-$3,000/year typical (fitsmallbusiness + Church Mutual reference data)
- Mid-size church complete program (GL + Commercial Property + Auto + Volunteer Accident + extras): $3,500-$10,000/year typical (Brotherhood Mutual + GuideOne)
- Established church with owned building + active programming: $15,000+/year typical (industry-standard for owned-sanctuary operations with youth programs)
- SMML endorsement or standalone coverage: variable + has risen to roughly 3x prior pricing post-2020 state SoL changes; many operators now buying through E&S (Excess + Surplus) markets (Church Mutual SMML reference)
- Workers Comp under NCCI 9012 (Religious Organization — Employees): typically $0.30-$1.50 per $100 of payroll (low-hazard for clergy + admin)
- D&O for board governance: $500-$2,500/year typical (covers board fiduciary + employment-practices decisions)
State variation: New York, New Jersey, California, and Illinois have extended childhood-abuse statutes of limitations (some have opened look-back windows), materially raising SMML pricing + reducing capacity. Most Midwest + Southern states are 30-50% cheaper on the SMML line.
For Wyoming-specific direction, see the filed-rate table above.
Industry context — what published research says about Religious Organization coverage
- SMML is the #1 financial-risk gap. Typical General Liability policies EXCLUDE sexual abuse claims by default — your church needs Sexual Misconduct & Molestation Liability (SMML) as a separate endorsement or standalone coverage. Without SMML, an abuse claim leaves your church bearing the full defense + settlement cost out-of-pocket. Church Mutual SMML reference.
- Major carriers have exited or limited SMML capacity post-2020. Hartford + Liberty Mutual have reduced or eliminated SMML in many states; many operators now must seek capacity through the E&S (Excess + Surplus) market at 3x prior pricing. Even specialist carriers have tightened underwriting. Church Mutual.
- State law changes drive the market dislocation. NY, NJ, CA, IL (among others) have extended statutes of limitations for childhood sexual abuse claims + several have opened temporary look-back windows allowing old claims. This has materially raised claim frequency + severity industry-wide, which carriers price into SMML premium + capacity decisions.
- Three specialist carriers dominate the religious market — Brotherhood Mutual, Church Mutual, and GuideOne. All three offer customers risk-management programs (background checks, two-adult rules, training resources) that materially affect SMML pricing. Most religious organizations end up quoted by at least one of the three specialists, often comparing against an E&S broker. Brotherhood Mutual + Church Mutual + GuideOne.
- The high cost of an abuse claim: a single substantiated claim routinely runs $1M+ in defense + settlement, with some recent cases settling for materially more. Church Law and Tax publishes the canonical industry analysis of abuse-claim financial impact. Church Law and Tax — high costs of an abuse claim.
How to lower your religious organization insurance cost
General levers that apply nationally — Wyoming operators may also have state-specific levers (e.g. non-subscriber WC, multi-jurisdiction permit consolidation).
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The data above is regulator-filed direction. Your actual Wyoming quote depends on class code, payroll, experience modifier, and the LCM each carrier files.
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Sources cited (national context above)
- Sexual Misconduct and Molestation Liability (SMML) Insurance — Church Mutual Insurance Company, 2024
- Insurance for Christian Ministries — Brotherhood Mutual Insurance Company, 2024
- Church / Nonprofit / Small Business / Senior Living Insurance — GuideOne Insurance, 2024
- Sexual Abuse Not Only Can Destroy Lives—And Churches — Church Law and Tax, 2024
- Nonprofit Business Insurance — Insurance Information Institute (III), 2024
- NCCI Atlas Class Look-Up — Class 9012 (Religious Organization — Employees) — National Council on Compensation Insurance (NCCI), 2024