Safeguard your land, your legacy, and your livelihood.
Rooted in Wyoming. Ready for Anything.
Our Mission
At Spear S Insurance Group, our mission is to provide honest, reliable insurance solutions that protect what matters most—from homes and hometown businesses to herds and highway haulers. We’re committed to delivering personalized service with integrity, hustle, and heart—because when you live in the communities you serve, it’s personal.
Our Story
Spear S Insurance Group is more than just a name—it’s a legacy. Originally founded as Mosaic Insurance Group, our agency has long served the people of Wyoming with practical, personal insurance solutions rooted in integrity and trust. As we grew alongside the communities we serve, so did our vision—and in 2025, we embraced a name that reflects not only our future, but our heritage.
The Spear S brand carries deep family roots in Wyoming ranching. Known across the region as a symbol of grit, resilience, and stewardship, the Spear S brand has stood for generations as a trusted mark on cattle, equine, land, and legacy. It was only natural that it became the banner under which we protect homes, businesses, and livelihoods today.
Our transition to Spear S Insurance Group wasn’t just a name change—it was a return to our roots. A way to honor the values that shaped us: hard work, straight talk, and showing up when it matters most. From main street storefronts to mountain ranches, we’re here to help you prepare, recover, and thrive—just like we’ve always been.
Frequently Asked Questions
We will shoot it to you straight. No gimmicks.
Auto
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Liability covers damage you cause to others. Full coverage includes liability plus protection for your own vehicle in cases like theft, vandalism, or an accident—regardless of who’s at fault.
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Yes. Even parked cars can be stolen, vandalized, or damaged. Plus, most states (including Wyoming) require minimum liability coverage for registered vehicles.
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In most cases, yes—if they have your permission. But it’s always best to ask, since coverage can vary by situation and policy.
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Things like driving history, location, age, type of vehicle, and even credit score can all play a role.
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Give us a call—we’ll walk you through it. Expect your premium to go up, but we’ll find every discount available to keep things reasonable.
Home
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It typically covers your home’s structure, your belongings, and liability in case someone gets hurt on your property. Certain natural disasters or floods may need separate policies.
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Floods, earthquakes, and routine maintenance usually aren’t included. We can help you fill those gaps if needed.
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Yes. While it’s not required by law once your mortgage is paid off, it’s still your best defense against loss from fire, theft, or storm damage.
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We’ll work with you to calculate the replacement cost of your home and the value of your belongings—so you’re not underinsured if something happens.
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You bet—and it usually saves you money. Ask us about multi-policy discounts!
Business
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It depends on your operations. Most start with general liability and property insurance, but you may also need commercial auto, professional liability, or workers’ comp.
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Yes. Most homeowners policies don’t cover business-related losses. If you store inventory, see clients, or rely on equipment, business coverage matters.
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It can be—with the right property or inland marine policy. We’ll help you make sure nothing’s left out.
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It varies based on your industry, size, location, and coverage needs. We’ll get you a custom quote that fits your budget.
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Absolutely. And you should. We recommend reviewing your coverage annually—or anytime you expand, hire, or invest in new assets.
Our Core Values
Loyalty
We stand by our clients and our word—because trust is earned, not given.
Compassion
We care about your coverage—and the people behind it. Every policy starts with listening.
Integrity
No fluff. No games. Just straight talk and sound advice.
Resilience
Weather changes. Markets shift. We stay steady—so you can move forward with confidence.
Community First
We’re not just in your corner—we’re in your town. Supporting local families, businesses, and futures.
Hard Work
We show up early, stay late, and do what it takes to get it right.
