Rules for contractors & trades
Most states don't require painter insurance, but clients do. Learn what general liability, workers' comp, and commercial auto coverage painters need, plus typical costs.
Carpenters need general liability insurance for most jobs. Learn what coverage carpenters need, typical costs, bonding requirements, and state-by-state licensing rules.
Tree service businesses need general liability, workers' comp, and equipment coverage due to high-risk work. Learn requirements, typical costs, and state licensing rules.
Most states don't require landscaper insurance, but clients do. Learn what coverage landscaping businesses need, typical costs, and state licensing requirements.
Most states don't require handyman insurance, but clients and property managers do. Learn what coverage handymen need, typical costs, and state licensing thresholds.
Most states require licensed HVAC contractors to carry general liability insurance and surety bonds. Learn what coverage you need, typical costs, and state-by-state requirements.
Roofing contractors face higher insurance requirements due to elevated risk. Learn what coverage roofers need, typical costs, and state-by-state requirements.
Most states require licensed plumbers to carry general liability insurance and surety bonds. Learn what coverage you need, typical costs, and state-by-state requirements.
Most states require general contractors to carry liability insurance and surety bonds. Learn coverage requirements, typical costs, and what commercial clients expect.
Most states require electricians to carry general liability insurance and surety bonds. Learn what coverage you need, typical costs, and state-by-state requirements.
Discover more coffee maker troubleshooting guides across different problem areas
State minimum auto coverage rules
Insurance rules for businesses
Professional & general liability rules
Country-specific travel rules
Insurance for motorcycles, boats & more
Legal and regulatory insurance rules
Side-by-side insurance requirement comparisons
Electricians, plumbers, roofers, handymen, HVAC, and more — insurance rules by state and industry.
All our guides are tested on real coffee makers and written by experienced repair specialists. We focus on practical, DIY-friendly solutions that save you time and money. No special tools or technical expertise required—just follow our step-by-step instructions.