Insurance rules for businesses
Security companies are required by state licensing boards to carry $300K–$1M general liability and workers' comp before receiving an operating license. Armed guard operations require $2M–$5M and a firearms liability endorsement.
Dog walkers need $1M general liability plus care, custody and control coverage — standard GL excludes pets in your care. Platform coverage from Rover and Wag only applies to on-platform bookings.
Airbnb's AirCover provides $3M in protection but is not actual insurance and won't satisfy your mortgage lender. Most homeowners policies also exclude short-term rental activity, leaving hosts personally exposed.
Caterers need $1M general liability, liquor liability if serving alcohol, commercial auto for food transport, and workers' comp for staff. Most venues require a certificate of insurance before granting event access.
Dog groomers typically need $1M general liability plus care, custody and control coverage for pets in their care. Mobile groomers also need commercial auto — personal policies won't cover business use.
Interstate movers must carry $750,000 auto liability under FMCSA rules plus a $10,000 surety bond. State rules for intrastate movers vary — and cargo insurance is required separately from auto liability.
Barbershops need general liability, professional liability for service claims, and workers' comp for employees. Total annual cost runs $2,600–$6,600 for a two-chair shop — and landlords require proof before you sign.
Auto repair shops need garage liability and garagekeepers coverage — not standard GL. Garagekeepers pays for customer vehicle damage in your care, which standard policies exclude. Here's what every shop owner needs.
Nail salons need general liability, professional liability, and workers' comp if they have employees. Booth renters are almost never covered by the salon owner's policy — they need their own.
Workers' comp is required in 49 states. Texas is the only state where it's voluntary. Learn employee thresholds by state, industry rules, penalties for non-compliance, and how premiums are calculated.
Sole traders face different insurance requirements than corporations. Learn what coverage is legally required in the US, UK, and Australia, what clients demand, and how to protect personal assets.
Tattoo shops need general liability, professional liability, and often property coverage. Learn what insurance tattoo parlors require for licensing and protection.
Many landlords require renters insurance as a lease condition. Learn what coverage is typically required, average costs, and what renters insurance actually covers.
HOAs need master policies covering common areas, liability, and D&O. Learn what coverage associations must carry, what individual owners need, and typical policy costs.
Photographers need general liability, E&O, and equipment coverage. Learn what insurance venues require, typical costs, and coverage by photography specialization.
Gyms need general liability, professional liability, and workers' comp insurance. Learn what coverage fitness centers need, typical costs, and landlord requirements.
Event planners need general liability and E&O insurance for vendor contracts and client protection. Learn coverage requirements, typical costs, and event-specific policies.
Real estate agents need E&O and general liability insurance for licensing and brokerage contracts. Learn coverage requirements, typical costs, and state-by-state rules.
Wedding venues need general liability, property insurance, and liquor liability if serving alcohol. Learn coverage requirements, typical costs, and what couples expect.
Architects need professional liability (E&O) and general liability insurance for licensing and contracts. Learn coverage requirements, typical costs, and state-by-state rules.
Most states don't require cleaning service insurance, but clients do. Learn what general liability, bonding, and workers' comp cleaning businesses need, plus typical costs.
General contractors require subcontractors to carry liability and workers' comp insurance. Learn what coverage you need, typical costs, and additional insured requirements.
Property managers need E&O and general liability insurance to protect against lawsuits. Learn coverage requirements, typical costs, and what property owners require.
Hotels need general liability, property insurance, and liquor liability if serving alcohol. Learn coverage requirements, typical costs, and lender/franchisor requirements.
Most states don't legally require LLC insurance, but you need it. Learn what general liability and professional liability LLCs should carry, state rules, and industry requirements.
Restaurants need general liability, workers' comp, and liquor liability if serving alcohol. Learn coverage requirements, typical costs, and state-specific rules.
Most states don't require consultant insurance, but clients do. Learn what E&O, general liability, and cyber coverage consultants need, costs by specialty, and contract requirements.
Food trucks need commercial auto, general liability, and often product liability insurance. Learn what coverage is required for permits, events, and daily operations.
Most states require bakeries to carry liability insurance with product coverage. Learn requirements for retail bakeries, home bakeries, and wholesale operations.
Most states require licensed daycares to carry liability insurance. Learn coverage requirements for centers and home daycares, typical costs, and state-by-state rules.
Browse insurance requirement guides across other coverage areas
State minimum auto coverage rules
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
LLCs, small businesses, self-employed professionals, and startups — understand what insurance is required or recommended.
All guides are written by the Coverage Criteria editorial team and verified against official government and regulatory sources. We translate complex insurance rules into plain language so you know exactly what coverage is required — without needing a lawyer.