Professional & general liability rules
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.
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.
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.
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.
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.
Browse insurance requirement guides across other coverage areas
State minimum auto coverage rules
Insurance rules for businesses
Rules for contractors & trades
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
General liability, E&O, malpractice, and professional insurance requirement guides.
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.