386 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.
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.
Minnesota requires elevator contractors to carry a $25,000 bond plus $100,000/$300,000 liability insurance; New Jersey and D.C. require only a bond, with no separate insurance mandate.
Pennsylvania exempts farm vehicles from its insurance law entirely; North Dakota requires coverage the moment an implement of husbandry hits a public road. The orange SMV emblem is not proof of either.
States regulate prepaid funeral money through a trust, insurance, or a bond, not the funeral itself. North Carolina requires a $50,000 preneed bond; embalming malpractice coverage is market-driven, not mandated.
Colorado requires a flat $20,000 statewide bond for water well drillers. California sets no statewide figure at all — bonding is set county by county, from $5,000 to $25,000.
No state ties liability insurance to an esthetician's license, but nearly every booth-rental lease requires $1M/$2M in coverage, and Maryland attaches an insurance condition at the salon level.
Most states don't license doulas at all, but 26 states plus D.C. now require $1M/$3M liability insurance to enroll as a Medicaid-reimbursed doula provider.
48 states shield stables from ordinary-negligence claims under an Equine Activity Liability Act, but none of them require insurance, and California and Maryland offer no such statute at all.
Florida requires $1 million in general liability insurance before issuing a mold remediation license; Louisiana sets its floor at just $50,000. Most states require neither.
Illinois, Kentucky, Oregon, and Wisconsin ban bounty hunting outright. California requires $1 million in liability insurance plus a $1,000 bond per bail agent contracted.
No state ties interpreter or translator certification to an insurance mandate — but hospitals, courts, and agencies routinely require $1M in E&O coverage before they'll assign work.
Nevada requires $200,000 in liability insurance to serve legal papers; California requires a $2,000 bond; Texas requires neither — just certification. See what your state demands.
The Dominican Republic's official entry rules require a passport, a return ticket, and proof of funds — not travel insurance, despite what some booking sites claim.
The complete index of all 386 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
