Casualty Insurance
Commercial general liability
On the occurrence CGL form, Coverage A covers bodily injury and property injury; Coverage B covers personal and advertising injury; Coverage C pays medical payments regardless of fault. Limits include each occurrence, general aggregate, products-completed operations aggregate, damage to premises rented to you, and medical expense. Key exclusions: expected or intended injury, contractual liability (except insured contracts), auto, workers' compensation, pollution, professional services, damage to your product or work, and impaired property.
Claims-made forms respond to claims reported during the policy period, governed by a retroactive date and an extended reporting period; occurrence forms respond to injury that happens during the period whenever reported.
Auto, umbrella, workers' compensation
The Personal Auto Policy gives liability, medical payments/PIP, uninsured/underinsured motorists, collision, and other-than-collision. Wyoming financial responsibility minimums are 25/50/20 ($25,000 per person, $50,000 per accident bodily injury, $20,000 property damage). UM/UIM must be offered and generally must be rejected in writing. Umbrellas sit over underlying limits and often require a self-insured retention. Wyoming administers workers' compensation through an exclusive state fund - private carriers do not compete for Wyoming workers' compensation; they write "other states" coverage for multistate exposures.
Traps
Confusing the per-occurrence limit with the aggregate; forgetting products-completed operations has its own aggregate; assuming a CGL covers employee injuries (it does not); and missing that UM/UIM rejection must be written.
Worked example
Split limits 25/50/20. One injured claimant with $40,000 in damages receives $25,000 (per-person cap). If two claimants each have $40,000 in damages, they share the $50,000 per-accident cap - not $25,000 each beyond the total.