Compliance, Liability & Travel Insurance Research Lead
Jordan focuses on regulatory compliance topics such as SR-22/FR-44 filings and DOT/FMCSA rules, professional liability and errors-and-omissions requirements by profession, state-by-state coverage comparisons, and travel insurance rules, drawing primarily on state insurance department bulletins and federal regulatory text.
SR-22/FR-44 and DOT compliance, professional liability, coverage comparisons, and travel insuranceThis byline is a named research persona representing Coverage Criteria’s editorial process for this coverage area — not an individually licensed insurance agent, broker, or credentialed reviewer. Every fact published under it is sourced from official state and federal publications. See our Editorial Standards.
Arizona and Oklahoma require $1,000,000 in ambulance professional liability insurance; New Jersey requires $300,000, and Texas adds a letter of credit.
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.
Texas and California require no malpractice insurance at all for a med spa medical director; Florida sets $100,000, Pennsylvania forces $1,000,000.
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.
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.
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.
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.
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.
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.
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.
A $1M policy can leave you fully covered or completely exposed depending on one structural choice — whether it's written on an occurrence or claims-made basis.
CBP's $50,000-minimum customs bond belongs to the importer, not the broker — brokers are licensed under exam and character review, with no federal insurance mandate at all.
Admitted insurers are backed by the state guaranty fund if they fail; surplus lines carriers aren't — a distinction every state requires brokers to disclose in writing.
California requires $100K/$300K in malpractice coverage; Pennsylvania requires $1M with automatic license suspension on a lapse. Most states require neither.
Argentina requires proof of travel medical insurance under Executive Decree 366/2025 — but a June 2026 court ruling has left the mandate’s legal status unsettled for travelers.
No law mandates builders risk insurance, but construction lenders almost universally require it as a loan condition — and FHA 203(k) loans carry their own HUD-guideline requirement.
Freight brokers must post a $75,000 FMCSA bond or trust fund — not liability insurance — under 49 CFR 387.307, and confusing the two costs new brokers money.
Bail bond agents are licensed insurance producers in most states — but five states have eliminated commercial bail entirely, license and all.
Taxi insurance minimums are set locally and run $100,000 to $500,000+ — a separate, stricter framework than both personal auto and rideshare coverage.
Mainland Ecuador dropped its travel insurance mandate in 2021, but Galápagos province still legally requires it under Article 49 of LOREG — even though it's rarely checked at entry. See the coverage recommended for evacuation-scale medical costs.
No federal law requires property manager insurance, but 8 states — including Colorado and Idaho at $100,000/$300,000 — mandate E&O coverage as a real estate license condition. See which states require it and how E&O differs from a fidelity bond.
Texas requires assisted living facilities to carry $100,000/$300,000 minimum general liability coverage before licensure; Florida mandates coverage without setting a fixed dollar floor. See what applies state to state, and when a separate bond is required.
New Zealand doesn't require travel insurance for tourist entry, and the NZeTA doesn't check for it — but its ACC scheme covers only accidental injury, not illness, evacuation, or repatriation, and the U.S. has no reciprocal healthcare agreement with New Zealand.
A surety bond must be repaid by the business after a claim is paid; liability insurance is absorbed by the insurer instead. See how California, Florida, and Nevada require different combinations of the two — and why "bonded and insured" isn't one guarantee.
No state requires title insurance, but lenders make it mandatory and Iowa bans private title insurers outright in favor of a state-run program. See lender's vs. owner's policy rules, and which states fix the insurance rate by regulation.
No state law forces a nonprofit board to buy D&O insurance, but volunteer-immunity statutes don't cover gross negligence or legal defense costs. See who actually requires the coverage and what it protects that state law doesn't.
The federal health insurance penalty is $0, but California, Massachusetts, New Jersey, Rhode Island, and D.C. still fine residents for going uninsured. See each state's 2026 penalty amount, exemptions, and how the mandates actually work.
Every state sets a minimum liability requirement, but 'full coverage' is a lender term with no legal definition. See what each actually covers, who is required to carry full coverage, and the real financial gap between them.
No state requires general businesses to carry cyber liability insurance, but all 50 states mandate data breach notification. See New York's DFS cybersecurity rule, who actually needs coverage, and what happens after an uninsured breach.
No state requires GAP insurance, but New York and Virginia regulate how GAP waivers are sold. Learn who actually needs coverage, what happens without it, and how dealership GAP compares to standalone policies.
Landlords can require renters insurance in every state except Oklahoma. See Oregon's $100,000 coverage cap, Virginia's landlord-billing rules, and the anti-steering protections tenants have nationwide.
Flood insurance becomes mandatory the moment a property sits in a FEMA Special Flood Hazard Area with a federally backed mortgage. See NFIP coverage limits, private flood insurance rules, and what triggers force-placed coverage.
No state requires homeowners insurance, but mortgage lenders universally require it at full replacement cost with $100,000+ liability. See what triggers force-placed insurance and where flood coverage adds a separate mandate.
Festivals, fairs, and farmers markets require $1M-$2M general liability naming the event as additional insured before setup, and host liquor liability is a separate requirement whenever alcohol is served.
Travel insurers stop covering a hurricane the moment it's named. Learn the named-storm cutoff, the 14-21 day Cancel For Any Reason window, and how NAIC and Florida regulate travel policies during peak season.
Thailand requires no travel insurance for tourist entry, but the O-A and O-X long-stay visas mandate health coverage starting at THB 400,000 and rising to THB 3,000,000 at many embassies.
Optometrists typically need $200K-$1M in malpractice coverage to gain licensure, insurance panel credentialing, and facility privileges — diagnostic-failure claims, not procedural errors, drive most lawsuits.
Costa Rica ended its mandatory travel insurance rule in 2022, but public hospitals still bill uninsured tourists directly, and long-stay visa categories like the digital nomad visa require proof of health coverage.
Virtual assistants face professional-error and data-access liability that homeowners policies exclude entirely — agency and enterprise client contracts increasingly require $500K-$1M in E&O coverage.
FAA Part 107 governs airspace authorization, not liability — commercial drone operators typically need $500K-$1M in aviation-specific liability coverage required by clients and property owners, not the FAA.
The SCRA does not exempt service members from state minimum auto insurance — the registration state's limits still apply during a PCS move, and deployment does not automatically suspend the requirement.
IT consultants need technology E&O for professional errors, general liability for on-site work, and cyber liability for data breach exposure — standard GL explicitly excludes professional mistakes that cause client financial loss.
Liability-only meets state minimums but pays nothing toward your own vehicle — full coverage adds collision and comprehensive. No state legally requires full coverage, but auto lenders and leasing companies mandate it on financed and leased vehicles.
No U.S. state mandates personal umbrella insurance — but landlords, contractors, and commercial tenants face contractual and municipal requirements that effectively require $1M–$5M in umbrella coverage above their standard policies.
Australia does not require travel health insurance for tourist visa holders — but Australian Medicare excludes U.S. visitors, and student visa holders must carry mandatory Overseas Student Health Cover (OSHC) as a visa condition.
FR-44 applies only in Florida and Virginia and requires 10x the standard minimum liability after a DUI — FL mandates 100/300/50 versus the state’s standard 10/20/10. SR-22 applies in most states and requires only standard minimums.
Personal injury protection (PIP) is mandatory in 12 no-fault states with minimums ranging from $3,000 in Utah to $50,000 in New York — and Michigan reformed its unlimited PIP system in 2020 with a tiered opt-out structure.
Canada does not require travel health insurance for tourists, but provincial health plans cover residents only — foreign nationals are billed at uninsured rates. U.S. auto policies are valid in Canada but must meet each province’s minimum, commonly $200,000 CAD.
Tutors face professional liability claims for negligent instruction regardless of whether a student's poor performance traces back to the tutoring — and standard homeowner's policies do not cover business-related tutoring sessions or injuries at the tutor's residence.
Mexico requires auto liability insurance from a Mexican-licensed insurer for any vehicle driven on public roads — U.S. and Canadian policies are not valid. Travel health insurance is not legally mandated but Medicare does not cover care in Mexico.
All 50 states require proof of auto insurance at traffic stops — 47+ states accept digital proof on a smartphone. Failure to show proof carries fines of $50–$500, often dismissible when coverage is confirmed.
Cuba legally requires all foreign visitors to carry travel health insurance under Decree-Law 284 — and enforces it at airline check-in. U.S. travelers cannot use standard U.S. policies due to OFAC embargo restrictions.
Registered Dietitian Nutritionists are licensed in all 50 states and face real malpractice exposure — industry standard is $1M/$2M professional liability, and HIPAA data breaches can carry civil penalties up to $50,000 per violation.
Life coaching is unregulated in all 50 states, but coaches face real professional liability exposure — industry standards call for $1M/$2M E&O plus general liability, and corporate clients routinely require a certificate of insurance before hiring.
Speech-language pathologists in private practice typically need $1M/$3M professional liability and $1M/$2M general liability. Medicare enrollment, state licensure, and employer credentialing all impose active malpractice coverage requirements.
State psychology boards rarely mandate PL insurance, but clinical practice and PSYPACT telehealth require $1M/$3M for licensed psychologists.
State social work boards rarely mandate professional liability, but duty-to-warn exposure and private practice require $1M/$3M coverage for LCSWs.
State pharmacy boards rarely mandate professional liability, but hospital credentialing and independent practice arrangements require $1M/$3M coverage.
Most state OT boards do not mandate professional liability insurance, but hospital credentialing, home health contracts, and independent contractor agreements routinely require $1M/$3M. Standard GL policies exclude professional services — OTs need a separate claims-made policy with continuous retroactive date coverage.
Most state engineering boards do not mandate professional liability insurance for PE licensure — but client contracts, government procurement, and employers impose $1M/$2M as the standard minimum. Standard general liability explicitly excludes professional services, leaving PEs who carry only GL uninsured for design-error claims.
Non-owner auto insurance is required when an SR-22 or FR-44 filing is mandated and the driver does not own a vehicle — the certificate cannot exist without an underlying policy. Florida's FR-44 requires $100,000/$300,000 liability on a non-owner policy, more than 10 times the state's standard minimum.
Oregon is the only US state that legally requires attorneys to carry professional liability insurance. Every other state allows uninsured practice — but law firms, courts, and clients impose their own $1M/$3M requirements, and claims-made tail coverage gaps at firm departure are one of the most expensive surprises in the profession.
Most employers and credentialing organizations require $1M/$3M professional liability for LCSWs, LPCs, MFTs, and psychologists. Claims-made policies are the industry standard — tail coverage is essential at every employer transition, and several state licensing boards require proof of coverage at renewal.
Physical therapists need professional liability at $1M/$3M — required by virtually all employers and credentialing organizations. Individual PT malpractice runs $100–$400 per year, but claims-made tail coverage is essential at every employer transition.
Most licensing states require contractor license bonds of $5,000–$25,000 as a condition of licensure. California requires $25,000 (CSLB); Washington requires $12,000 (L&I); federal projects over $150,000 require performance and payment bonds under the Miller Act.
Dental malpractice runs $2,000–$6,000 per year for a solo general dentist at $1M/$3M — oral surgeons pay significantly more due to IV sedation. Most state dental boards don't mandate it, but hospital privileges, DSO participation, and group practice contracts effectively require it.
Veterinary malpractice insurance runs $500–$1,500 per year for a solo small-animal vet at $1M/$3M — a fraction of human medicine rates. Several states require it for licensure or hospital credentialing, and employer contracts make it near-universal in practice.
Chiropractors need professional liability (malpractice) insurance as the core coverage for clinical practice. The $1M per claim / $3M aggregate standard is required by most hospital credentialing bodies and managed care contracts, even in states where licensing boards don't mandate it.
Interior designers need both professional liability (E&O) and general liability — E&O covers specification errors and procurement mistakes, while GL covers physical accidents during client visits and on-site supervision.
FMCSA requires commercial motor carriers to file proof of financial responsibility ranging from $300,000 for light non-hazmat freight to $5,000,000 for bulk hazardous materials — and authority is suspended the moment the BMC-91 filing lapses.
Most states require licensed home health agencies to carry $1M professional liability and abuse & molestation coverage as a condition of licensure. Independent caregivers and registry workers often have no employer coverage at all.
Every state requires a separate license before any agent can sell insurance — and the requirements vary from 0 pre-licensing hours (Arizona) to 200 hours (Florida). Here's what licenses, E&O coverage, bonds, and CE you actually need.
Alaska and Maine require $50,000/$100,000 liability — five times the floor set by the lowest states. See which states demand the most from drivers, how mandatory PIP and UM add to the picture, and what it means for premiums.
A certificate of insurance (COI) proves coverage exists but does not create it — and "additional insured" on a certificate means nothing without an actual policy endorsement. Here's what landlords, GCs, and municipalities require and how to comply.
Nine states require drivers to use their own PIP coverage after an accident regardless of fault. The other 38 states hold the at-fault driver's liability policy responsible. Here's how each system works, which states use each, and what it means for your premiums.
Michigan leads with $800–$2,400/year for minimum coverage, driven by mandatory PIP and Detroit-area underwriting. Louisiana ranks third despite low minimums — its litigation rate, not its requirements, pushes premiums up.
No single federal law mandates E&O insurance for all financial advisors — but FINRA requires fidelity bonds for broker-dealers, several states require E&O for state-registered RIAs, and clients expect it regardless.
Home inspector E&O insurance is required by law in ~20 states including Texas ($100K), Nevada ($500K), and Tennessee ($250K). General liability is also required in several states and by most realtor referral networks.
Most states require notaries to post a surety bond ($500–$25,000), but a bond protects the public — not you. E&O insurance protects the notary personally and is required by most signing agent clients.
Georgia has no state law requiring homeowners insurance, but mortgage lenders on FHA, VA, and conventional loans require it — typically at replacement cost value with $100,000+ liability coverage.
40+ states have TNC laws setting rideshare insurance minimums. New York City requires $1.5M liability — the highest in the US. Delivery drivers are largely not covered by these laws. Period 1 (app on, no passenger) remains the biggest coverage gap.
Texas, Colorado, and Kansas have no statewide GC license. California requires a Class B exam, a $25,000 bond, and makes unlicensed contracting a misdemeanor. Here's how every state's system compares — and what insurance comes with each.
Most states require workers' comp at 1 employee. Alabama, Mississippi, and Missouri don't require it until 5. Texas is the only state where it's entirely optional — and the only state where non-subscriber employers lose their key legal defenses.
SR-22 duration ranges from 1 year (North Dakota) to 5 years (Nebraska and Tennessee DUI). Four states don't use SR-22 at all. Florida and Virginia use FR-44 for DUI — requiring 00,000/$300,000 liability, not just state minimums.
Most licensed states require contractors to carry both a surety bond and liability insurance — but they serve completely different purposes. Bond amounts range from $2,500 in Arizona to $2,000,000 in Nevada for large contractors.
19 states mandate uninsured motorist coverage — you can't legally drive without it. Another 28 require it to be offered but let you reject it in writing. Mississippi has a 29% uninsured driver rate and no UM mandate.
12 states require no-fault PIP coverage — meaning your insurer pays your medical bills first regardless of who caused the accident. Michigan, Florida, and New York are the most complex. Here's how every state compares.
Virginia, Florida, and Massachusetts impose the toughest consequences for uninsured driving — from $5,000 fines to mandatory imprisonment. This ranking compares penalties across all 50 states on fines, suspensions, impoundment, and SR-22 duration.
CPAs aren't legally required to carry E&O insurance in most states — but employers, credentialing bodies, and clients almost universally expect it. Standard coverage is $500K–$2M per claim, with tail coverage essential on claims-made policies.
California, Illinois, and New York offer the strongest insurance protections for rideshare and delivery drivers. This ranking compares TNC law strength, Period 1 minimums, delivery inclusion, and endorsement availability across all states.
Florida, Iowa, and New Jersey require the least from drivers. This ranking compares minimum auto insurance requirements across all states and explains the real-world trade-offs of low mandated minimums.
NPs are required to carry professional liability insurance by virtually all employers and credentialing organizations. Standard minimum is $1M/$3M — but employer coverage alone won't protect your license.
Massage therapists need professional liability, general liability, and abuse/molestation coverage. Independent contractors at spas are almost never covered by the employer's policy — they must carry their own.
The UK does not require travel insurance for entry, but the NHS does not provide free care to US or Canadian visitors. Learn what NHS covers, post-Brexit EHIC rules, and recommended coverage levels.
No law universally requires personal trainer insurance, but gyms, certification bodies, and studio leases almost always do. Learn what GL and professional liability cover, costs, and why independent contractors are most at risk.
All 50 states and D.C. auto insurance minimums in one place. Compare liability limits, no-fault PIP requirements, mandatory UM coverage, and identify states with the highest and lowest minimums.
FR-44 is required in Florida and Virginia after DUI convictions. Learn what coverage is required, how it differs from SR-22, how long you must maintain it, and what it costs.
Commercial trucks need $750,000-$5,000,000 liability depending on cargo. Learn FMCSA requirements, how to file Form MCS-90, owner-operator coverage, and how to get authority.
Schengen visas require €30,000 minimum medical coverage valid across all 27 member states. Learn exact requirements, approved providers, and common visa rejection reasons.
SR-22 is a certificate proving you carry required auto insurance. Learn when it's required, how long you need it, costs, and how to file in your state.
