409 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.
A registered car needs insurance even if nobody drives it. In NJ, NY and NC the plates must go back before the policy ends; CA and OK offer non-use filings.
NC, SC, Texas and Louisiana won't issue a licence without proof of insurance or a no-vehicle statement. SC and Louisiana check renewals too.
Kenya requires most visitors to hold cover meeting a US$50,000 schedule. The High Court upheld the scheme on 5 October and said foreign policies can qualify.
UK employers need £5m of employers' liability cover. A one-director company is exempt only if its single employee owns 50%+ of the shares; two directors are not.
Every state requires insurance to drive on a temporary tag, but only some check first. Virginia names temporary plates in its uninsured-driving offence.
Florida's legal minimum has no bodily injury liability, yet leases ask for $100K/$300K/$50K. A Florida statute protects the leasing company only at those limits.
Spark needs only state-minimum auto insurance in your name, and outside California Walmart's terms give no auto liability while you deliver. Why uploads get rejected.
Zanzibar's USD 44 inbound insurance has been mandatory since 2024; mainland Tanzania added its own on 1 October 2026. Which one you buy depends on where you first arrive.
Relay carriers need $1M auto, $100K cargo, $1M/$2M general liability and 180 days of authority. Federal law asks for $750K and no cargo. US, Canada and UK compared.
Colorado and Kentucky require $500,000 for radon mitigators and $250,000 for testers; Illinois withholds system tags without insurance. Most licensing states require none.
The FAA requires no insurance for crop dusting; states do, from $25,000 in Kansas to $400,000 in Colorado. Florida and Oklahoma require drift cover, Colorado doesn't.
Most states set $1M for a public fireworks show, but Texas requires $500,000 outdoors and Georgia accepts a $10,000 bond. Ten state statutes compared.
Illinois and Kentucky require $2M per school bus; Montana's 1971 floor is $10,000 per person. Florida scales it at $5,000 a seat. 15 states verified at statute.
An eight-seat stretch SUV needs $500,000 in Colorado, $750,000 in California and $1.5M plus a $1.5M SUM layer in New York. Federal, state and city tiers compared.
Louisiana and Illinois make repo agencies carry $1M policies plus a $1M bond; Florida licenses them with no insurance at all. Eight states checked at statute.
Colorado, New Jersey and Wisconsin require $1M/$3M; Massachusetts $100K/$300K. Florida lets doctors opt out with a posted sign, and Kansas raised its floor in 2022.
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.
The complete index of all 409 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
