393 guides covering state minimums, business and contractor licensing, gig-platform coverage, and compliance filings — each researched from official sources and marked with the date it was last checked.
The 24 most recently published guides.
The FAA requires no insurance from private owners. Minnesota does — $100,000 per passenger seat — and Indiana's accident limits have risen tenfold since the 2015 GAO survey.
Minnesota requires $300,000 and Pennsylvania $50,000 once a dog is declared dangerous. Ohio joined the mandate states in March 2026, and the common "14 states" list is wrong.
Only California, Florida, Hawaii and Washington regulate travel sellers — with bonds, trust accounts and a restitution fund. Florida's bond can vanish after five clean years.
Minnesota requires $1,000,000 and that the certificate state on its face that the policy covers escort work — so a correct limit on generic paperwork still fails.
Eight states have raised their auto insurance minimums since 2023 after decades of stillness. A dated record of each change, what triggers it, and what each left alone.
Kentucky requires certified manufactured home installers to carry $250,000 in liability insurance; Florida and Alabama set $100,000 plus a bond.
Pennsylvania and Virginia require $1,000,000 in insurance for blasting permits; South Carolina requires $500,000 from each individual blaster.
New York requires MMA and boxing promoters to insure each fighter for $1,000,000 in brain injury care; Florida requires $20,000 in medical coverage.
Georgia requires fire extinguisher service companies to carry $1,000,000 in liability insurance; Texas and Utah set $100,000 per occurrence.
Arizona and Oklahoma require $1,000,000 in ambulance professional liability insurance; New Jersey requires $300,000, and Texas adds a letter of credit.
Florida requires alarm contractors to carry $500,000 in property damage coverage; Texas and Tennessee set it at $100,000 under different licensing laws.
Colorado requires outfitters to carry $100,000 per accident plus a $10,000 bond; Oregon requires $500,000, and Montana defers to federal land permits.
Tennessee licenses contractors at $25,000+, with GL insurance scaling to $1M by monetary limit — plus a new bond alternative to the CPA statement.
Most US visitors to Spain travel visa-free with no legal insurance mandate — only Schengen visa applicants do. The EU rule 2026 headlines got wrong.
Four states legally require $1,000,000+ liability insurance for bounce house rentals; Florida and Colorado exempt inflatables from that same law.
Texas and California require no malpractice insurance at all for a med spa medical director; Florida sets $100,000, Pennsylvania forces $1,000,000.
Washington requires $500,000 in liability insurance for a fireworks stand; Michigan requires $10,000,000 per location for the identical activity.
Roadie requires only state-minimum personal auto liability and, unlike DoorDash or Grubhub, provides no supplemental company liability policy during gigs at all.
Japan has no blanket entry insurance mandate, but Working Holiday visas commonly require proof of coverage, and a 2026 rule can bar re-entry over unpaid medical debt.
Antique and classic cars still must carry standard state-minimum liability insurance — the difference is agreed-value coverage and usage limits, not an exemption from the law.
Illinois requires a $1M first-dollar liability minimum for licensed asbestos abatement firms, while AHERA and OSHA set training and safety rules but no insurance floor at all.
Shipt requires only state-minimum personal auto liability and provides no primary liability coverage of its own — a gap most Shoppers do not realize until a claim is denied.
Most states impose no blanket insurance mandate for off-highway-only dirt bikes, but Idaho and New Jersey do, and any street-legal dual-sport bike is insured exactly like a motorcycle.
Indiana sets a $100,000/$300,000 liability minimum for licensed direct-entry midwives, while nurse-midwives are typically covered by their employer instead of an individual state mandate.
The complete index of all 393 published guides.
State minimum auto coverage rules
Insurance rules for businesses
Rules for contractors & trades
Professional & general liability rules
Country-specific travel rules
Insurance for motorcycles, boats & more
Legal and regulatory insurance rules
Side-by-side insurance requirement comparisons
Insurance requirements for delivery & rideshare drivers
