Corrections
Last updated: October 2026
Our Corrections Policy
Accuracy is the foundation of everything Coverage Criteria publishes. When a material error is identified — an incorrect coverage amount, a wrong penalty figure, an outdated legal threshold — we correct it promptly and document it here.
Minor corrections (typos, formatting, broken links) are fixed silently. Material corrections that change a factual claim are logged in this register with a description of what changed and why.
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We review all reported errors within 5 business days. If the error is confirmed, we correct the article and log the change below.
Corrections Register
291 material corrections, newest first. The register starts on 31 August 2026, when we began re-checking the library against the statutes and regulators themselves; corrections made before that date were not logged. Where one error ran across many guides, it is recorded once, with every guide it was fixed in.
#291 ·
Guide: Kenya Travel Insurance Requirements: The Mandatory eTA Health Cover
Error: Presented the UK government's advice that foreign travel insurance is not accepted as the operative answer, dated the High Court judgment to about 6–7 October from news reports, and cited the Gazette notice from a scan on a third-party site.
Correction: The High Court held on 5 October 2026 ([2026] KEHC 15080 (KLR)) that foreign travel insurance uploaded and verified through the eTA is valid, upholding a Ministry memorandum to that effect; the page now sets this against the UK advice. Added the whole-stay and point-of-entry rules in regulation 70, and cites the Gazette from Kenya Law.
Source: Social Health Insurance Regulations 2024, reg. 70; Kenya Gazette Notice No. 11492; Constitutional Petition E006 of 2026, [2026] KEHC 15080 (KLR)
#290 ·
Guide: Sole Trader Insurance Requirements: UK, Australia & US Guide
Error: Said HMRC's IR35 rules determine whether a subcontractor needs employers' liability cover, and gave the £5,000,000 minimum as 'per incident'.
Correction: The test is the working relationship and control, not tax status; HSE says it does not matter what a worker's tax status is. The £5,000,000 minimum applies to any one occurrence and includes costs and expenses. The close-family exemption is now stated.
Source: Employers' Liability (Compulsory Insurance) Act 1969 s. 2; Regulations 1998 reg. 3; HSE40 guidance
#289 ·
Guide: Teen Driver Insurance Requirements | GDL & SR-22 Guide
Error: Presented household-policy cover for learner's permit holders as a state-law matter ('in most states').
Correction: Permit-holder cover is set by the household policy's terms, not by state law. South Carolina does require proof of liability insurance, or a no-vehicle affidavit, when a permit is issued.
Source: S.C. Code § 56-1-80(C)
#288 ·
Guide: Minnesota Motorcycle Insurance Requirements: 30/60/10 and Why PIP Doesn't Apply to Riders
Error: Said off-season plate surrender is the legal way to cancel motorcycle insurance during winter.
Correction: Minnesota requires liability cover on every registered motorcycle with no seasonal exception and no plate-surrender route; a lapse can lead to the registration and plates being suspended.
Source: Minn. Stat. 65B.48 subd. 5; Minn. Stat. 169.797 subd. 4a
#287 ·
Guide: Wisconsin Motorcycle Insurance Requirements: Mandatory UM Coverage for Riders
Error: Said a registered motorcycle must be insured year-round unless its plates are surrendered.
Correction: Wisconsin's requirement applies to operating the motorcycle, not registering it; WisDOT asks for no proof of insurance at registration, so a bike stored off the road need not carry liability cover until it is ridden.
Source: Wis. Stat. 344.62; WisDOT auto insurance page; OCI publication PI-233
#286 ·
Guide: Indiana Motorcycle Insurance Requirements: Updated Minimums for Riders
Error: Said off-season plate surrender to the BMV is the legal way to cancel motorcycle insurance during winter.
Correction: Indiana has no such procedure: IC 9-25-4-1 requires financial responsibility to register a vehicle and to operate it on a public highway, and the BMV may request proof at any time.
Source: IC 9-25-4-1; Indiana BMV — Proof of financial responsibility
#285 ·
Guide: Illinois Motorcycle Insurance Requirements: Mandatory UM Coverage Guide
Error: Said a registered motorcycle needs continuous coverage and that riders surrender plates to avoid it.
Correction: Illinois requires insurance on a vehicle that is operated, registered or kept registered, but 7-601(b) exempts inoperable or stored vehicles that are not operated, as defined by Secretary of State rules.
Source: 625 ILCS 5/7-601
#284 ·
Guide: Colorado Motorcycle Insurance Requirements: Minimum Coverage for Riders
Error: Said a registered motorcycle must be insured year-round and that plate surrender is the legal way to pause coverage.
Correction: Colorado's requirement applies to operating the vehicle on public roads; plate surrender is not part of it, and at registration an owner may file a statement of nonuse instead of proof of insurance.
Source: C.R.S. 10-4-619, 42-4-1409 and 42-3-105
#283 ·
Guide: Oregon Motorcycle Insurance Requirements: 25/50/20, No PIP & Universal Helmet Law
Error: Said storing a motorcycle uninsured requires surrendering the plates to the DMV.
Correction: The offence is driving uninsured; at renewal the owner certifies continued compliance for the registration term. Oregon law sets out no plate-surrender route for storage.
Source: ORS 806.010; ORS 803.460
#282 ·
Guide: Alabama Motorcycle Insurance Requirements: 25/50/25 & Contributory Negligence
Error: Said suspending coverage requires surrendering the registration, describing the pre-2024 procedure.
Correction: Since 1 January 2024 the registration is revoked on evidence of non-use, and plate surrender is no longer required.
Source: Code of Ala. § 32-7A-4; Alabama DOR Memo 2023-008 (Act 2023-479)
#281 ·
Guide: Georgia Motorcycle Insurance Requirements: Minimum Coverage for Riders
Error: Said surrendering the tag removes the GEICS compliance requirement.
Correction: Lapse enforcement acts on the registration ($25 lapse fee, then suspension with a $60 or $160 restoration fee); the Department of Revenue says to cancel the registration before cancelling the insurance.
Source: Georgia Department of Revenue — Cancellation and reinstatement of registration
#280 ·
Guide: Virginia Motorcycle Insurance Requirements: 50/100/25 & the Mandate Update
Error: Said Virginia has no seasonal suspension option and that plates must be surrendered to stop coverage.
Correction: An owner can ask the DMV to deactivate the registration; insurance is not required while it is deactivated, the bike may not be ridden, and reactivation requires proof of insurance.
Source: Va. Code § 46.2-646.1 (FindLaw copy current as of 1 January 2026)
#279 ·
Guide: Massachusetts Motorcycle Insurance Requirements | 25/50/30
Error: Said riders must surrender the plates at an RMV office to drop winter coverage.
Correction: The step is cancelling the registration with the RMV before the policy ends; the guide no longer describes a plate-surrender visit.
Source: M.G.L. c. 90 §§ 1A and 34H
#278 ·
Guide: Maryland Auto Insurance Requirements: Mandatory UM Coverage
Error: Said the MVA uninsured penalty is a $150 fine for the first 30 days, then $7 a day up to about $2,530.
Correction: The penalty is $200 for days 1–30, then $7 a day from day 31, capped at $3,500 per violation in a 12-month period.
Source: Md. Code, Transportation § 17-106, as amended by Chapter 857 of 2024 (HB 1482), effective 1 July 2024
#277 ·
Guide: Oklahoma Auto Insurance Requirements: Minimum Coverage
Error: Said a stored vehicle can get a "Not in Service" designation but the owner must surrender the plates.
Correction: Oklahoma registers a vehicle not in use on a Non-Use Affidavit, with a decal of a distinct colour; the rule does not require plate surrender, and the owner must insure the vehicle before returning it to service.
Source: Okla. Admin. Code 670:20-13-7(c)
#276 ·
Guide: Midwife Insurance Requirements: CNM vs. CPM
Error: Said certified nurse-midwives face no state insurance mandate and that coverage is not an individual licensing condition.
Correction: Pennsylvania requires CNMs practising 50% or more in the state to carry $500,000/$1,500,000 primary cover and participate in Mcare ($1,000,000/$3,000,000 in total). Massachusetts requires $100,000/$300,000 of every APRN with direct patient care. Florida requires $100,000/$300,000 or an equivalent letter of credit for APRN licensure.
Source: Pennsylvania Insurance Department — About Mcare (December 2025); 244 CMR 4.09; Fla. Stat. § 456.048 and Rule 64B9-4.002
#275 ·
Guide: Chiropractor Insurance Requirements | Malpractice & Licensing Guide
Error: Said Ohio ($100,000/$300,000) and Virginia ($1,000,000/$3,000,000) require malpractice insurance for chiropractic licensure, and that most state boards require it.
Correction: No statutory basis was found for either state, so both rows were removed, along with unverified 'not required' rows. The table now lists only requirements confirmed at statute or board rule.
Source: Kansas, Connecticut and Florida statutes as cited in the article
#274 ·
Guide: Chiropractor Insurance Requirements | Malpractice & Licensing Guide
Error: Omitted Connecticut and Kansas from the states that require chiropractors to carry malpractice insurance.
Correction: Connecticut requires $500,000 per occurrence / $1,500,000 aggregate for chiropractors providing direct patient care. Kansas treats chiropractors as healing-arts healthcare providers: $500,000/$1,500,000 for policies issued or renewed since 1 January 2022, plus the Health Care Stabilization Fund surcharge.
Source: C.G.S. § 20-28b (CT Department of Public Health); K.S.A. 40-3401, 40-3402, 40-3404, 65-2802
#273 ·
Guide: Dentist Insurance Requirements | Malpractice & Practice Coverage Guide
Error: Said Florida's dental board does not require malpractice insurance.
Correction: Florida requires every dentist to carry $100,000 per claim / $300,000 annual aggregate, or an irrevocable letter of credit for the same amounts, as a prerequisite for licensure or renewal.
Source: Fla. Stat. § 456.048; Fla. Admin. Code R. 64B5-17.011
#272 ·
Guide: Dentist Insurance Requirements | Malpractice & Practice Coverage Guide
Error: Omitted Colorado from the state licensing table.
Correction: Colorado requires dentists to carry $500,000 per incident / $1,500,000 annual aggregate as a licence condition, except dentists who are public employees.
Source: C.R.S. § 13-64-301(1)(a)(I)(A)
#271 ·
Guide: Assisted Living Facility Insurance Requirements
Error: Said Texas requires assisted living facilities to carry $100,000 per occurrence / $300,000 aggregate.
Correction: The figure could not be verified in the Texas statute or rule and was removed, from the article and its summary. California's RCFE requirement of $1,000,000 per occurrence / $3,000,000 aggregate is now the dollar-floor example.
Source: Cal. Health & Safety Code § 1569.605
#270 ·
Guide: Assisted Living Facility Insurance Requirements
Error: Said some states apply lighter insurance conditions to small residential care homes.
Correction: Washington requires every adult family home to carry both general liability and professional liability at $500,000 per occurrence / $1,000,000 aggregate (since 1 August 2023). California applies its $1,000,000/$3,000,000 RCFE floor regardless of size.
Source: WAC 388-76-10191 and 388-76-10192; Cal. Health & Safety Code § 1569.605
#269 ·
Guides (4): Commercial Truck Insurance Requirements: Federal and State Intrastate Minimums; DOT Insurance Requirements: $750K to $5M by Cargo, MCS-90 and BMC-91; FMCSA Insurance Requirements | Carrier Minimums & Filing; Owner-Operator Insurance Requirements: Complete DOT Guide
Error: Cited 49 CFR 387.303 for the $300,000 light-vehicle tier and household-goods cargo security; § 387.303 has been suspended indefinitely since 84 FR 51433 (30 September 2019).
Correction: Citations changed to the operative § 387.303T ((b)(1)(i) and (c)); figures unchanged.
Source: 49 CFR § 387.303T (law.cornell.edu)
#268 ·
Guide: FMCSA Insurance Requirements | Carrier Minimums & Filing
Error: Texas intrastate row said limits vary by class and 'TxDOT rules apply'.
Correction: Texas intrastate carriers are regulated by TxDMV; 43 TAC § 218.16 sets $500,000 for private or for-hire carriers over 26,000 lbs, with separate tiers for hazmat, passengers and household goods.
Source: 43 Tex. Admin. Code § 218.16; TxDMV compliance guidance
#267 ·
Guide: Owner-Operator Insurance Requirements: Complete DOT Guide
Error: Described BOC-3 as 'Blanket of Coverage'.
Correction: Form BOC-3 is the Designation of Agent for Service of Process under 49 CFR Part 366, naming process agents in each required state; it is not an insurance form.
Source: 49 CFR § 366.2T (law.cornell.edu)
#266 ·
Guide: Pest Control Insurance Requirements: What Operators Need
Error: Said Texas sets no minimum dollar amount for pest control liability insurance.
Correction: Texas structural pest control businesses need $200,000 per occurrence and $300,000 aggregate (Tex. Occ. Code § 1951.312); pesticide applicator businesses need $100,000 property damage and $100,000 bodily injury per occurrence, or a $200,000 general aggregate (Tex. Agric. Code § 76.111(e)).
Source: Tex. Occ. Code § 1951.312; Tex. Agric. Code § 76.111
#265 ·
Guide: Pest Control Insurance Requirements: What Operators Need
Error: Stated Florida requires $300,000 per occurrence / $300,000 aggregate plus a $5,000 surety bond, and Georgia a $200,000 minimum.
Correction: Florida requires $250,000 per person / $500,000 per occurrence bodily injury and $250,000 / $500,000 aggregate property damage, or a $500,000 combined single limit, with no bond in § 482.071; Georgia requires $50,000 per occurrence and a $200,000 annual aggregate (O.C.G.A. § 43-45-9(d)).
Source: Fla. Stat. § 482.071 (2026); O.C.G.A. § 43-45-9
#264 ·
Guide: Pest Control Insurance Requirements: What Operators Need
Error: Said most states require $300,000 to $1,000,000 (and, in the summary, $500,000 to $1,000,000) of general liability.
Correction: Replaced with statute-cited minimums, which run from $25,000 bodily injury / $25,000 property damage (Oregon) to $500,000 (California, Florida); $1M/$2M limits are client contract terms, not law.
Source: ORS 634.116; Cal. Bus. & Prof. Code § 8692; Fla. Stat. § 482.071
#263 ·
Guides (2): Jet Ski Insurance Requirements by State: Where the Law Requires It; Boat Insurance Requirements by State: The Two State Laws and Every Boater-Ed Rule
Error: Presented Florida as the only state regulating rental-business insurance; elsewhere 'read the rental agreement'.
Correction: Added rental-business rules: Arkansas PWC liveries $500,000; North Carolina $300,000 per occurrence on each rented PWC; West Virginia liveries $300,000; Texas liveries must insure (no amount); Utah 50 hp+ livery vessels; Georgia's liability shield for liveries insured at $500,000 / $1,000,000.
Source: N.C.G.S. 75A-13.3; Ark. Code § 27-101-604; W. Va. Code § 20-7-16; Tex. Parks & Wild. Code § 31.111; Utah Admin. Code R650-221; O.C.G.A. § 51-1-22.1
#262 ·
Guides (2): Rideshare Insurance Requirements by State | TNC Laws Compared; Best States for Gig Workers: Insurance Protections Ranked
Error: Said Illinois extended its TNC law to delivery network companies.
Correction: Illinois's TNC law (625 ILCS 57) covers transportation of passengers only; it does not reach delivery platforms.
Source: 625 ILCS 57/5 (Illinois General Assembly)
#261 ·
Guides (2): Rideshare Insurance Requirements by State | TNC Laws Compared; Best States for Gig Workers: Insurance Protections Ranked
Error: Said NYC delivery-app drivers are covered under the NYC TLC for-hire vehicle framework.
Correction: The TLC licenses taxis and for-hire passenger vehicles; NYC app-delivery workers fall under the Department of Consumer and Worker Protection's delivery-worker laws. West Virginia's 2024 delivery-network insurance law and Kentucky's 2025 disclosure law were added.
Source: NYC DCWP — Food delivery worker laws FAQ; W. Va. Code § 33-63-3; KRS 365.534
#260 ·
Guide: E-Bike Insurance Requirements by State
Error: Said mopeds require insurance and registration "in all states", that speed pedelecs up to 45 mph need registration and insurance in most states, and gave a 16-state table of e-bike rules without sources.
Correction: Moped rules vary: Ohio exempts true mopeds from financial responsibility and Michigan's no-fault law excludes mopeds from security. California defines an electric bicycle as having pedals and a motor of 750 W or less (Classes 1–2 to 20 mph, Class 3 to 28 mph) and exempts e-bike riders from financial responsibility, licensing and registration (Vehicle Code §§ 312.5, 24016); a bike outside the definition loses that exemption. The unsourced state table was removed.
Source: Cal. Vehicle Code §§ 312.5, 24016 (FindLaw); 15 U.S.C. § 2085; Ohio and Michigan moped rules as verified for the Ohio and Michigan motorcycle guides
#259 ·
Guide: Cyber Liability Insurance Requirements: State Rules Explained
Error: Said payment card processors now require or strongly incentivize cyber insurance, and listed breach notification laws in all 50 states and DC only.
Correction: PCI DSS sets security controls, not insurance; whether a processor requires a cyber policy depends on the individual merchant agreement. Breach notification laws exist in all 50 states, DC, Guam, Puerto Rico and the US Virgin Islands.
Source: NCSL, Security breach notification laws; NY DFS, Cybersecurity Regulation (23 NYCRR Part 500)
#258 ·
Guide: Content Creator Insurance Requirements | Influencer Guide
Error: Said a personal auto policy excludes filming, brand trips and paid appearances.
Correction: Personal auto policies differ on business use; some exclude or limit it, so creators should check their policy's business-use terms and disclose paid driving. The guide now cites the standard GL form's exclusion of advertising-injury offenses by insureds whose business is advertising, broadcasting, publishing or telecasting, which is why media liability matters.
Source: ISO CG 00 01 (1996 specimen, NY OGS)
#257 ·
Guide: Argentina Travel Insurance Requirements: In the Law, Not Yet Enforced
Error: Said a June 2026 ruling by the Cámara Nacional Electoral declared Decree 366/2025 invalid, so the travel insurance requirement was in legal limbo; that the decree requires four specific coverage types; and that airlines check proof at check-in and deny boarding.
Correction: The Electoral Chamber ruling concerned citizenship in a single case; the decree otherwise remains in force. Migration Law art. 34, as replaced by the decree, requires a sworn statement of health insurance covering medical needs, with no minimum sum and no listed coverage types; art. 123 bis makes it enforceable only once regulated, and consular guidance says it is not yet requested. The decree gives airlines no checking duty. National public hospitals now charge non-resident foreigners for non-emergency care without insurance.
Source: Decreto DNU 366/2025 official text (argentina.gob.ar); Argentine Consulate General in Guangzhou notice (via search extract); Government of Argentina hospital announcement
#256 ·
Guide: Real Estate Agent Insurance Requirements: E&O Coverage Guide
Error: Said Colorado, Idaho and Rhode Island require E&O with minimums of $100,000 and $250,000 per claim, without sources, and gave cost figures in the quick answer.
Correction: Tennessee requires every licensee to carry E&O as a condition to licensing, with terms set by the commission (Tenn. Code § 62-13-112). Iowa requires it of every active licensee and provides a non-cancellable state group policy (Iowa Code § 543B.47). The unsourced state minimums and costs were removed; readers are pointed to their state commission.
Source: Tenn. Code § 62-13-112 (FindLaw); Iowa Code § 543B.47 (legis.iowa.gov)
#255 ·
Guide: SR-22 Requirements: Filing Periods, Costs and What Restarts the Clock
Error: Said a DUI triggers an SR-22 "in every state" (while also saying Florida and Virginia use FR-44), gave an 11-state table of filing periods including New York and Pennsylvania, and gave filing periods of one year in Connecticut and North Dakota and up to twenty in Alaska, without sources.
Correction: Florida and Virginia use the FR-44 after a DUI, and not every state uses the SR-22 form. Filing periods are set by each state; South Carolina, for example, lets proof be cancelled after three years without a conviction requiring proof (S.C. Code § 56-9-620). The unsourced table and periods were removed.
Source: S.C. Code § 56-9-620 (scstatehouse.gov); Fla. Stat. § 324.023 (as verified for the FR-44 guide)
#254 ·
Guide: Florida Boat Insurance Requirements | Marina & Lender Rules
Error: Said homeowners policies typically cover boats up to about $1,500.
Correction: The standard ISO homeowners form limits watercraft property to $1,500 in its 2011 edition and $2,000 in its 2022 edition. Boater education (born on or after 1 Jan 1988, 10 hp or more) and the livery insurance rule are now cited to Fla. Stat. §§ 327.395 and 327.54.
Source: FC&S on the ISO HO 00 03 watercraft special limit (2011 and 2022 editions); Fla. Stat. §§ 327.395, 327.54
#253 ·
Guide: Daycare Insurance Requirements: Coverage Limits and Costs for Centers and Home Daycares
Error: Said most states require licensed daycare centers to carry liability insurance, and gave a five-state table (California $500K for centers / $300K homes, Texas, Florida $100K per person, New York, Illinois $1M) without sources.
Correction: Texas requires every licensed or registered child-care operation to carry $300,000 per occurrence and file proof yearly, but a provider unable to obtain coverage may operate after notifying parents in writing (Hum. Res. Code § 42.049). California family child care homes need $100,000 / $300,000 or a $300,000 bond, or signed parent affidavits instead (Health & Safety Code § 1597.531). Florida requires $100,000 / $300,000 of School Readiness program providers (§ 1002.88(1)(m)). The New York and Illinois rows and the "most states" claim were removed.
Source: Tex. Hum. Res. Code § 42.049 (texas.public.law); Cal. Health & Safety Code § 1597.531 (FindLaw); Fla. Stat. § 1002.88 (leg.state.fl.us)
#252 ·
Guide: Nurse Practitioner Insurance Requirements: $1M/$3M and the Tail Coverage Trap
Error: Said most states mandate malpractice insurance for nurse practitioners (contradicting its own FAQ) and listed $1M/$3M for six full-practice states as if required.
Correction: Malpractice cover is not a universal legal requirement. Florida requires autonomous APRNs to carry $100,000 per claim / $300,000 aggregate or a letter of credit, with exemptions (Fla. Stat. § 464.0123). $1M/$3M is a common employer and credentialing request, not a statute; the state table was removed.
Source: Fla. Stat. § 464.0123 (leg.state.fl.us)
#251 ·
Guide: Carpet Cleaning Insurance Requirements: What Operators Need
Error: Said general liability "generally" covers chemical damage to the client's carpet being cleaned, and that California requires janitorial contractors with five or more employees to register and keep a $1,000 bond.
Correction: The standard CGL form can exclude damage to the part of real property being worked on and to property restored because the work was incorrectly performed (CG 00 01 exclusions j(5), j(6)), so damage to the carpet itself may not be covered; adjacent property is. California's janitorial-employer rules reach any employer of at least one covered worker, and the section sets no bond (Labor Code § 1420).
Source: ISO CG 00 01 specimen (NY OGS); Cal. Labor Code § 1420 (FindLaw)
#250 ·
Guide: Dog Trainer Insurance Requirements
Error: Said that under California Civil Code § 3342 a trainer acting as the dog's temporary custodian can be named in a strict-liability bite claim, and listed Florida and Michigan with California, Illinois and Ohio as strict-liability states, plus a one-bite-rule state list, without sources.
Correction: California's § 3342 imposes strict liability on the owner only. Illinois defines "owner" to include anyone who keeps or harbors a dog, has it in care, or acts as custodian (510 ILCS 5/2.16), and Ohio makes the "owner, keeper, or harborer" liable (§ 955.28(B)), so those statutes can reach a trainer. The unsourced state lists were removed.
Source: Cal. Civil Code § 3342 (FindLaw); 510 ILCS 5/2.16 and Ohio Rev. Code § 955.28 (statute text as quoted from the official codes; ilga.gov and codes.ohio.gov refused connections)
#249 ·
Guide: Uber Black Insurance Requirements: Why Uber's Insurance Won't Cover You
Error: Presented Uber's rideshare coverage periods ($50,000/$100,000/$25,000 while waiting; $1,000,000 on trips) as insurance Uber provides to Uber Black drivers, said personal auto insurance is required alongside it, and gave unsourced liability minimums ($1M–$1.5M), state permit and insurance tables, costs and earnings.
Correction: Uber says its rideshare insurance does not apply to livery, taxi, for-hire or other commercially licensed drivers, that black car drivers must carry their own commercial insurance, and that it provides no comprehensive or collision coverage in any instance for commercially insured livery drivers. The insurance limit is set by the local for-hire regulator. The unsourced tables, minimums, costs and earnings were removed.
Source: Uber — Driver insurance; Uber vehicle requirements for Washington DC, Los Angeles and New York City (uber.com)
#248 ·
Guide: General Contractor License Requirements by State
Error: Gave a flat $9,000 Arizona bond with general liability "required"; Nevada bonds of $50,000–$2,000,000 by license class; Washington bonds of $6,000–$12,000 (contradicting its own $30,000/$15,000) and Oregon bonds of $10,000–$20,000; California liability as "mandatory for permit"; Florida as a flat $300,000; and listed Utah and Oregon as registration-only states.
Correction: Arizona bonds run $1,000 to $100,000 by license type and volume, with no GL licensing condition found (A.R.S. § 32-1152). Nevada bonds are $1,000–$500,000, fixed by the Board (NRS 624.270). Washington: $30,000 / $15,000 bond and $50,000 / $100,000 / $200,000 liability (RCW 18.27.040, .050). Oregon licenses by endorsement: residential GC $25,000 and $500,000; commercial GC up to $80,000 and $2 million (ORS 701.081, .084). California requires liability only of LLCs. Florida: $300,000 + $50,000 for general and building contractors, $100,000 + $25,000 residential. Utah licenses contractors and requires $100,000 / $300,000 liability (R156-55a-302d).
Source: A.R.S. § 32-1152; NRS 624.270; RCW 18.27.040, 18.27.050; ORS 701.081, 701.084; Cal. B&P §§ 7071.6, 7071.19; Fla. Admin. Code R. 61G4-15.003; Utah Admin. Code R156-55a-302d
#247 ·
Guide: Mobile Mechanic Insurance Requirements: Why General Liability Won't Cover the Car You're Working On
Error: Said some states require registered auto repair businesses, mobile ones included, to show proof of liability insurance, and that mobile-specific licensing is rare, without naming a state or source.
Correction: No state checked makes insurance a condition of mobile repair work. California requires anyone who repairs or diagnoses vehicles for pay, mobile repairers included, to register with the Bureau of Automotive Repair (Bus. & Prof. Code §§ 9880.1, 9884), with no insurance condition. The practical requirement comes from the standard general liability form, which excludes property in the insured's care, custody or control (CG 00 01, exclusion j(4)).
Source: Cal. Bus. & Prof. Code §§ 9880.1, 9884 (FindLaw); ISO CG 00 01 specimen (NY OGS)
#246 ·
Guide: Do Tutors Need Insurance? Requirements
Error: Presented abuse and molestation cover as "required for any work with minors" and workers' comp as "required for all employees", and gave cost ranges without a source.
Correction: No law found requires private tutors to carry insurance; abuse and molestation cover is commonly required by schools, districts and platforms by contract. Workers' comp is required once a business has employees in most states and is elective for private employers in Texas (Tex. Lab. Code § 406.002). Cost ranges removed from the summary.
Source: Tex. Lab. Code § 406.002 (FindLaw)
#245 ·
Guide: Does a Handyman Need Insurance? State Limits on Unlicensed Work
Error: Gave unlicensed-handyman limits of $500 for California and Oregon, $1,000 for Nevada with "bond + insurance", $3,000 for Utah, and said Florida has no handyman exemption; said California, Arizona, Nevada and Oregon require insurance and bonds above their thresholds; and quoted cost figures without a source.
Correction: Unlicensed work is allowed under $1,000 in California (not if you employ a helper), Arizona (ads must say "not a licensed contractor"), Nevada (no plumbing, electrical or HVAC work) and Oregon; under $2,500 in Florida; under $7,000 in Utah, where jobs over $3,000 require an affirmation of liability insurance ($100,000 per incident / $300,000 total). The exemptions carry no insurance requirement elsewhere; bonds come with licensing. Cost figures removed.
Source: Cal. Bus. & Prof. Code § 7048; A.R.S. § 32-1121; Fla. Stat. § 489.103; NRS 624.031; ORS 701.010; Utah Code § 58-55-305 and Utah Admin. Code R156-55a-305a
#244 ·
Guide: General Contractor License Requirements by State
Error: Said contracting without a license in California is a misdemeanor on jobs over $500.
Correction: California's minor-work exemption covers jobs under $1,000 (labor and materials together), so a license is needed from $1,000 (Bus. & Prof. Code § 7048).
Source: Cal. Bus. & Prof. Code § 7048 (FindLaw, current as of 1 Jan 2026)
#243 ·
Guide: Personal Chef Insurance Requirements
Error: The search description said personal chefs "need $1M general liability and product liability" and pointed to "2026 requirements", contradicting the guide's own finding.
Correction: No state statute found requires a personal chef to carry liability insurance; clients, agencies and booking platforms set limits by contract. In Florida, cooking in a client's home for the client and guests needs no catering license (DBPR).
Source: Florida DBPR; Wisconsin DATCP; S.C. Code Regs. 61-25 (as cited in the guide)
#242 ·
Guide: Amazon Flex Insurance Requirements: The Gap Between Blocks Nobody Warns You About
Error: Said Amazon never covers damage to your vehicle (quick-answer table) and excludes theft, vandalism and weather, that Amazon gives no cover for your own injuries, and that you must upload insurance cards at signup with periodic re-checks; and omitted that Amazon's insurance does not apply in New York.
Correction: Amazon's policy includes contingent comprehensive and collision (only if you carry your own) and uninsured/underinsured motorist coverage. It applies only during a delivery block, in every state except New York, and a claim is denied if anyone other than the delivery partner is driving. Amazon asks you to confirm at onboarding that your policy meets local requirements; its pages do not describe uploads or periodic re-checks.
Source: Amazon Flex FAQ (flex.amazon.com/faq); Amazon Flex requirements (flex.amazon.com/requirements)
#241 ·
Guides (5): Illinois Boat Insurance Requirements | Lake Michigan & Chain O'Lakes Guide; Nevada Boat Insurance Requirements | Lake Mead & Lake Tahoe; Ohio Boat Insurance Requirements | Lake Erie & Inland Lakes; Georgia Boat Insurance Requirements | Lake Lanier & Coastal Guide; Idaho Boat Insurance Requirements | Pend Oreille & Coeur d'Alene Guide
Error: Boater-education rules overstated or misstated: Illinois and Nevada said "born after" the cutoff and applied it to every motorboat; Ohio said 10 hp "or more" and that PWC operators must be 16; Georgia said PWC riders need the certificate regardless of birth year; Idaho credited county ordinances and omitted when education is required.
Correction: Illinois: born on or after 1 Jan 1998, motors over 10 hp (625 ILCS 45/5-18). Nevada: born on or after 1 Jan 1983, motors over 15 hp on interstate waters (NDOW). Ohio: born on or after 1 Jan 1982, more than 10 hp (ORC § 1547.05); the age-16 claim was unsourced. Georgia: the 1 Jan 1998 cutoff applies to PWC too, with added age rules. Idaho: no general requirement; required after a BUI conviction, for repeat offenders, and for PWC renters (IDPR).
Source: 625 ILCS 45/5-18 (IDNR); ORC § 1547.05 (FindLaw); NDOW, IDPR and Georgia DNR official boating handbooks
#240 ·
Guide: Arkansas Boat Insurance Requirements | Lake Ouachita Guide
Error: Cited Ark. Code § 27-101-211 as the BUI statute, said a first offense brings a "boating license suspension", gave a third offense within 5 years as a felony with 1–6 years and permanent revocation, and said AGFC shares conviction data with the Department of Finance and Administration.
Correction: Boating while intoxicated is prohibited by Ark. Code § 27-101-202(7); the thresholds are .08%, or .02% under 21. A first conviction costs the operator's driver's license for 6 months, with a fine up to $1,000, up to a year in jail and an alcohol program; refusing a test can cost operating and driving privileges for up to 6 months. Repeat-offense penalties follow Arkansas's DWI provisions (Title 5, Ch. 65); a 2019 survey put the felony tier at the fourth offense. The unsourced data-sharing claim was removed.
Source: Ark. Code § 27-101-202 (codes.findlaw.com, current as of 28 Mar 2024); AGFC boating handbook, 2026 edition (Kalkomey); Network for Public Health Law BUI survey (laws as of 30 Apr 2019)
#239 ·
Guide: Utah Boat Insurance Requirements | Lake Powell & Flaming Gorge
Error: Gave Utah's BUI threshold as .08 in its quick-answer table (.05 elsewhere on the page), cited Utah Code § 73-18-13 (the accident-reporting section) as the BUI statute, split first offenses into class B (.05–.08) and class A (.08+), and gave serious-injury and fatal BUI as second- or first-degree felonies and a 40–90% insurance surcharge, without sources.
Correction: Utah's DUI law covers boats: a motorboat is a "vehicle" under Utah Code § 41-6a-501, and § 41-6a-502 sets the limit at .05. First and second offenses are class B misdemeanors, class A with aggravating factors; a third within 10 years, or a first offense causing serious bodily injury, is a third degree felony (§§ 41-6a-503, 41-6a-505). The BAC split, felony grades and surcharge figure were removed.
Source: Utah Code §§ 41-6a-501, 41-6a-502, 73-18-13 (codes.findlaw.com, current as of 1 Jan 2025); Network for Public Health Law BUI survey (laws as of 30 Apr 2019)
#238 ·
Guide: Boat Insurance Requirements by State: The Two State Laws and Every Boater-Ed Rule
Error: Said Arkansas is the only state requiring boat insurance, for "all motorized boats" under "Ark. Code § 27-101-104" with fines "up to $1,000 and potential boat impoundment"; listed Utah and Hawaii as requiring insurance for personal watercraft only, and Minnesota for "boats over 50 horsepower in some counties"; and said most marinas require $300,000–$500,000.
Correction: Two states require boat insurance, both for motorboats over 50 hp and every personal watercraft: Arkansas, $50,000 per occurrence (Ark. Code § 27-101-207; fines $50–$1,000 or up to a year; no impoundment provision) and Utah, 25/50/15 or $65,000 (Utah Code § 73-18c-301). The Hawaii and Minnesota claims had no source; marina limits are set by each marina, with Hawaii state harbors ($500,000) and Chicago Park District ($300,000) the published exceptions. The page is now a 50-state table of these laws and the verified boater-education rules.
Source: Ark. Code § 27-101-207; Utah Code §§ 73-18c-102, 73-18c-301, 31A-22-1503 (codes.findlaw.com); state statutes and agencies cited in each state guide
#237 ·
Guide: Jet Ski Insurance Requirements by State: Where the Law Requires It
Error: Said 9 states require jet ski insurance, naming mandates in South Carolina, North Dakota, Alabama, Louisiana parishes, Mississippi counties, Texas lakes and Wisconsin, and gave Arkansas limits of 50/100/25 and a Utah $80,000 self-insurance bond.
Correction: Two states require insurance on personal watercraft: Arkansas, $50,000 per occurrence (Ark. Code § 27-101-207), and Utah, 25/50/15 or $65,000 combined, with bonds, deposits or self-funded certificates allowed (Utah Code §§ 73-18c-102, 73-18c-301; § 31A-22-1503). The other state mandates and the $80,000 figure had no source and were removed.
Source: Ark. Code § 27-101-207; Utah Code §§ 73-18c-102, 73-18c-301, 31A-22-1503 (codes.findlaw.com)
#236 ·
Guides (4): Arkansas Boat Insurance Requirements | Lake Ouachita Guide; Louisiana Boat Insurance Requirements | Gulf Coast & Pontchartrain Guide; Missouri Boat Insurance Requirements | Lake of the Ozarks Guide; Oklahoma Boat Insurance Requirements | Lake Eufaula & Texoma Guide
Error: Said Arkansas has no boat insurance law (the Arkansas guide throughout, including its answer to "Is boat insurance required by AR law?", and three neighbour-state tables).
Correction: Arkansas requires liability insurance of at least $50,000 per occurrence on every motorboat over 50 hp and every personal watercraft, with proof carried on board; an owner whose uninsured vessel is in an accident commits a Class A misdemeanor (Ark. Code § 27-101-207).
Source: Ark. Code § 27-101-207 (codes.findlaw.com)
#235 ·
Guides (6): Utah Boat Insurance Requirements | Lake Powell & Flaming Gorge; Arizona Boat Insurance Requirements | Lake Havasu & Lake Powell Guide; Colorado Boat Insurance Requirements | Lake Granby, Dillon & Pueblo Reservoir; Idaho Boat Insurance Requirements | Pend Oreille & Coeur d'Alene Guide; Nevada Boat Insurance Requirements | Lake Mead & Lake Tahoe; Wyoming Boat Insurance Requirements | Flaming Gorge & Jackson Lake Guide
Error: Said Utah has no boat insurance law (the Utah guide throughout, including its title section and its answer to "Is boat insurance required by UT law?", and five neighbour-state tables).
Correction: Utah requires resident owners of motorboats over 50 hp, and of every personal watercraft regardless of horsepower, to keep owner's or operator's security of at least $25,000 / $50,000 / $15,000 or $65,000 combined (Utah Code §§ 73-18c-102, 73-18c-301; § 31A-22-1503). HB 113 raised the auto minimum to 30/65/25 but did not amend the watercraft limits.
Source: Utah Code §§ 73-18c-102, 73-18c-301, 31A-22-1503 and 31A-22-304 (codes.findlaw.com, current as of 1 Jan 2025)
#234 ·
Guide: Bakery Insurance Requirements: What the Law Requires, and Home Bakery Rules
Error: Said most states require bakeries to carry liability insurance with product coverage (excerpt and metadata), and that cottage food laws rarely address insurance without saying what they do require.
Correction: The bakery and cottage food laws checked require no liability insurance; the legal requirement is workers' compensation once a bakery has employees (every employer in California, Lab. Code § 3700; four or more employees in Florida outside construction, § 440.02; elective in Texas, § 406.002). Cottage food rules now stated from the statutes: Florida $250,000 cap, no permit, no wholesale (§ 500.80); California Class A $75,000 and Class B $150,000, inflation-adjusted (H&S Code § 113758); Washington permit every two years, direct sales only (RCW 69.22). Unsourced claim averages, cost tables and savings percentages removed.
Source: Fla. Stat. §§ 500.80, 440.02 (leg.state.fl.us); Cal. H&S Code § 113758, Cal. Lab. Code § 3700, Tex. Lab. Code § 406.002 (codes.findlaw.com); RCW 69.22.010-.030 (app.leg.wa.gov)
#233 ·
Guide: Architect Insurance Requirements: What the Law Requires and What Contracts Demand
Error: Said California architects must disclose their insurance status to clients under the "California LATC", and listed Florida, Illinois and New York as states with insurance requirements or contract disclosure rules for architects, without sources.
Correction: California's written-contract statute lists the required terms and insurance is not one of them (Bus. & Prof. Code § 5536.22); architects are licensed by the California Architects Board (LATC is the landscape architects' committee). The unsourced Florida, Illinois and New York claims were removed. What California does require: $1,000,000+ security from architecture LLPs (Corp. Code § 16956) and reports of claims paid at $5,000 or more within 30 days (§ 5588).
Source: Cal. Bus. & Prof. Code §§ 5536.22, 5588; Cal. Corp. Code § 16956 (codes.findlaw.com)
#232 ·
Guides (8): Carpenter Insurance Requirements: Complete Guide for Contractors; Concrete Contractor Insurance Requirements; General Contractor Insurance Requirements: Complete Guide; Do Gutter Contractors Need Insurance? Requirements; Do Paving Contractors Need Insurance? Requirements; Plumber Insurance Requirements: Complete Guide for Contractors; Roofer Insurance Requirements: Complete Guide for Contractors; Tree Service Insurance Requirements: Complete Guide for Arborists
Error: Gave California's contractor license bond as $15,000 in each page's state bond table.
Correction: The CSLB contractor's bond has been $25,000 since 1 January 2023 (Cal. Bus. & Prof. Code § 7071.6). check:facts now flags the retired figure (check 8).
Source: Cal. Bus. & Prof. Code § 7071.6 (codes.findlaw.com)
#231 ·
Guides (2): General Contractor Insurance Requirements: Complete Guide; Concrete Contractor Insurance Requirements
Error: Listed a $1,000,000 California liability minimum for general contractors, and said the CSLB can fine unlicensed or uninsured contractors up to $15,000.
Correction: California's licensing law requires liability insurance only of LLC licensees ($1,000,000+ aggregate, Cal. Bus. & Prof. Code § 7071.19). The $1,500–$15,000 civil penalty is a citation for unlicensed contracting (§ 7028.7), not for being uninsured.
Source: Cal. Bus. & Prof. Code §§ 7071.19, 7028.7 (codes.findlaw.com)
#230 ·
Guide: HVAC Insurance Requirements: What Each State's License Actually Requires
Error: State table said Texas HVAC contractors need a $25,000 bond with general liability only "recommended", Florida "$300K required" plus a $5,000 bond, California "$1M required" with a $15,000 bond, and that Georgia has no state HVAC license.
Correction: Texas requires liability, not a bond: Class A $300,000 per occurrence / $600,000 aggregate / $300,000 completed operations, Class B $100,000 / $200,000 / $100,000 (16 TAC § 75.40). Florida air conditioning contractors need $100,000 liability and $25,000 property damage (R. 61G4-15.003). California requires a $25,000 bond (since 2023) and liability only of LLCs. Georgia licenses Conditioned Air Contractors, and its localities may not require them to carry insurance (Att'y Gen. Op. 95-7).
Source: 16 TAC § 75.40, Fla. Admin. Code R. 61G4-15.003 (law.cornell.edu); Cal. Bus. & Prof. Code §§ 7071.6, 7071.19 (codes.findlaw.com); Ga. Att'y Gen. Op. 95-7 (law.georgia.gov)
#229 ·
Guide: HVAC Insurance Requirements: What Each State's License Actually Requires
Error: Said Ohio HVAC insurance is only "recommended" with workers' comp "required", and that workers' comp is required in almost every state once you have employees, without Texas's opt-out.
Correction: Ohio's licensing board requires $500,000 of contractor's liability including completed operations (OAC 4101:16-2-09). Texas workers' comp is elective for private employers (Tex. Lab. Code § 406.002); Florida's construction threshold is one employee (Fla. Stat. § 440.02).
Source: Ohio Admin. Code 4101:16-2-09 (law.cornell.edu); Tex. Lab. Code § 406.002 (codes.findlaw.com); Fla. Stat. § 440.02 (leg.state.fl.us)
#228 ·
Guide: Commercial Truck Insurance Requirements: Federal and State Intrastate Minimums
Error: Put Class A/B explosives and poison gas in the $1,000,000 hazmat tier, said federal minimums apply to any truck over 10,001 lbs or hauling placarded hazmat, and described the BMC-91X as a form an insurer files "as an insurer".
Correction: Under 49 CFR 387.9 bulk Division 1.1–1.3 explosives and bulk 2.3 Zone A poison gas are in the $5,000,000 tier; most placarded loads are $1,000,000. Subpart A applies to for-hire interstate property carriers and all hazmat carriers (387.3), not private non-hazmat carriers; a for-hire fleet of only vehicles under 10,001 lbs needs $300,000 (387.303(b)(1)). A BMC-91X may represent full or layered coverage (387.313).
Source: 49 CFR §§ 387.3, 387.9, 387.303, 387.313 (law.cornell.edu)
#227 ·
Guide: Commercial Truck Insurance Requirements: Federal and State Intrastate Minimums
Error: Gave intrastate truck minimums of $300,000 for Florida ("well below federal") and $300,000 for Ohio, and $750,000 for New York, without sources.
Correction: Florida sets $50,000, $100,000 or $300,000 by gross weight (26,000 lbs and up) for trucks not subject to Part 387 (Fla. Stat. § 627.7415). Ohio requires $750,000 of for-hire intrastate property carriers, $300,000 only for fleets of vehicles under 10,001 lbs (Ohio Admin. Code 4901:2-13-03). The unsourced New York row was removed; Pennsylvania (52 Pa. Code § 32.12) and New Jersey were added from their rules.
Source: Fla. Stat. § 627.7415 (leg.state.fl.us); Ohio Admin. Code 4901:2-13-03 and 52 Pa. Code § 32.12 (law.cornell.edu)
#226 ·
Guide: Commercial Truck Insurance Requirements: Federal and State Intrastate Minimums
Error: Said a coverage lapse means immediate deactivation of authority, that authority activates about 21 days after application, and that FMCSA does not require cargo insurance.
Correction: A filed policy cannot be cancelled on less than 35 days notice (387.7(b)) and the BMC-91 filing stays until 30 days after a BMC-35 notice (387.313). The insurance filing must reach FMCSA within 90 days of the application being published (365.109); the 21-day figure was removed. Household goods carriers must carry cargo security of $5,000 per vehicle and $10,000 aggregate (387.303(c)).
Source: 49 CFR §§ 387.7, 387.303, 387.313, 365.109 (law.cornell.edu)
#225 ·
Guides (2): Ohio Motorcycle Insurance Requirements: 25/50/25, Mopeds and Winter Lapses; Ohio Auto Insurance Requirements: Minimum Coverage
Error: Described Ohio's BMV random-verification program as current, and gave the first-violation penalty as a $100 reinstatement fee (the motorcycle page added a fine of up to $500; the auto page a suspension of up to 90 days), with second offenses counted "within 5 years".
Correction: The random-selection program ended on 3 July 2019. Under ORC § 4509.101 a first violation brings a suspension that lasts until you comply and a $40 reinstatement fee; a second within one year, a one-year suspension and $300; a third within one year, a two-year suspension and $600.
Source: Ohio Revised Code §§ 4509.101, 4510.02 (codes.findlaw.com, current as of 1 Jan 2026; codes.ohio.gov refused connections); Ohio Insurance Agents Association on the end of random selection (2019)
#224 ·
Guide: Ohio Motorcycle Insurance Requirements: 25/50/25, Mopeds and Winter Lapses
Error: Said Ohio insurers must offer uninsured/underinsured motorist coverage and that it must be rejected in writing, and said scooters capable of 35+ mph need insurance.
Correction: Under ORC § 3937.18 a policy may, but is not required to, include UM/UIM. The moped exemption turns on § 4501.01: pedals, 50cc or less, 1 brake horsepower or less, and a top speed of 20 mph or less.
Source: Ohio Revised Code §§ 3937.18, 4501.01, 4509.01
#223 ·
Guide: Michigan Motorcycle Insurance Requirements: No-Fault Exclusion Explained
Error: Said motorcyclists can sue car drivers for pain and suffering without meeting the no-fault threshold, that PIP is available only if a car caused the crash, that mopeds are under 50cc, and gave unsourced penalties (fines up to $500/$1,000, a 30-day minimum suspension).
Correction: The MCL 500.3135(1) serious-impairment threshold applies to suits over a car driver's use of a motor vehicle, with no motorcyclist exception. Under § 3114(5) the car's insurers pay PIP when a car is involved, regardless of fault. A moped is 100cc or less and 30 mph or less (MCL 257.32b). Riding uninsured is a misdemeanor: $200–$500, up to a year in jail, or both (§ 3102(2)).
Source: MCL 500.3101, 500.3102, 500.3114, 500.3135 (codes.findlaw.com); MCL 257.32b
#222 ·
Guides (2): Pennsylvania Motorcycle Insurance Requirements: Full Tort Rights for Riders; Pennsylvania Auto Insurance Requirements: Full Tort vs Limited Tort
Error: Stated an SR-22 requirement for 3 years, an $88 restoration fee, and "3 months minimum" suspensions; the auto page labelled the $500 civil penalty a restoration fee and the $300 fine a civil penalty. The motorcycle page said mopeds have "separate requirements".
Correction: Under 75 Pa.C.S. § 1786: a 3-month registration suspension for a lapse, a 3-month license suspension for operating without coverage, a $300 fine on conviction, or a $500 civil penalty plus the restoration fee instead of the registration suspension (once in 12 months). The SR-22 claims were removed because no official source supports them. Mopeds must be insured to be registered.
Source: 75 Pa.C.S. § 1786 (codes.findlaw.com, current as of 1 Jan 2026); PennDOT Insurance Law FAQs
#221 ·
Guide: DoorDash Insurance Requirements: What DoorDash Covers, State by State
Error: Split DoorDash's cover into a "contingent" stage from accepting an order to pickup and a "primary" stage with uninsured/underinsured motorist cover, and gave $1,000,000 as the limit everywhere.
Correction: DoorDash's third-party liability runs from accepting an order to drop-off: up to $1,000,000 in most states and $250,000 in Kentucky. Cover while waiting for an order, and uninsured motorist cover, apply only in the states DoorDash lists (North Dakota, Indiana, Kentucky and West Virginia).
Source: DoorDash Help Center, "Understanding Auto Insurance Maintained by DoorDash" (updated September 2026)
#220 ·
Guide: Uber Eats Insurance Requirements: Uber's $500,000 Delivery Policy Explained
Error: Gave Uber's delivery liability limit as $1,000,000, called its waiting-period cover contingent on a personal-insurance denial, said uninsured/underinsured motorist cover is included, and said Uber provides occupational accident insurance for bike couriers.
Correction: Uber's delivery policy covers others up to $500,000 en route and on a delivery (more where required), and up to at least the state minimum while online. Uninsured motorist cover applies only where state law requires it. Bike, e-bike and on-foot deliveries get no Uber coverage unless the law requires it, and the courier's own injuries are covered only by paid Optional Injury Protection.
Source: Uber, "Insurance for delivery trips" (uber.com/us/en/deliver/insurance)
#219 ·
Guides (4): Amazon Flex Insurance Requirements: The Gap Between Blocks Nobody Warns You About; Grubhub Insurance Requirements for Delivery Drivers; Instacart Shopper Insurance Requirements: The 4 Coverage Periods Explained; Roadie Insurance Requirements for Drivers
Error: Platform comparisons gave Uber Eats' delivery liability as $1,000,000. Roadie also called DoorDash's and Uber Eats' cover "contingent".
Correction: Uber Eats covers others up to $500,000 en route and on a delivery. DoorDash covers up to $1,000,000 from order acceptance to drop-off in most states, and $250,000 in Kentucky; neither is contingent cover in the US.
Source: Uber, "Insurance for delivery trips" (uber.com/us/en/deliver/insurance); DoorDash Help Center, "Understanding Auto Insurance Maintained by DoorDash" (updated September 2026)
#218 ·
Guides (2): Amazon Flex Insurance Requirements: The Gap Between Blocks Nobody Warns You About; Instacart Shopper Insurance Requirements: The 4 Coverage Periods Explained
Error: Platform comparison tables said Amazon Flex provides no collision cover, contradicting the Amazon Flex guide's own verified section.
Correction: Amazon's contingent comprehensive and collision cover pays up to $50,000 with a $1,000 deductible, provided the driver carries comprehensive and collision on their own policy.
Source: Amazon Flex (as verified for the 2026-08-31 correction)
#217 ·
Guides (13): Instacart Shopper Insurance Requirements: The 4 Coverage Periods Explained; Amazon Flex Insurance Requirements: The Gap Between Blocks Nobody Warns You About; Uber Eats Insurance Requirements: Uber's $500,000 Delivery Policy Explained; Liability-Only vs. Full Coverage: What's Required; Teen Driver Insurance Requirements | GDL & SR-22 Guide; DoorDash Insurance Requirements: What DoorDash Covers, State by State; RV Insurance Requirements by State: Complete Guide; Minimum Auto Insurance Requirements by State: All 50 States; New Hampshire Auto Insurance Requirements: The Only State Without a Mandate; Non-Owner Auto Insurance Requirements | SR-22, FR-44 & License Reinstatement; FR-44 Insurance Requirements: Florida & Virginia DUI Coverage Rules; SR-22 vs. FR-44 Requirements: Key Differences; States With the Lowest Car Insurance Requirements
Error: Gave Florida's minimum as 10/20/10 bodily injury and property damage liability (or garbled it as "10/20 PD"). One page also put Florida's combined minimum at $40,000.
Correction: Most Florida drivers must carry $10,000 personal injury protection and $10,000 property damage liability, and no bodily injury liability. 10/20/10 is the proof-of-financial-responsibility amount in § 324.021(7): it is required after certain crashes or convictions, and it is what an SR-22 certifies.
Source: Fla. Stat. §§ 324.021(7), 324.022, 627.736 (leg.state.fl.us)
#216 ·
Guide: Moped & Scooter Insurance Requirements by State
Error: Said Florida requires 10/20/10 insurance for motorized scooters over 50cc.
Correction: Florida requires no insurance to register a moped or scooter. Its property damage mandate covers vehicles with four or more wheels (§ 324.022(2)). 10/20/10 applies only if the rider must prove financial responsibility after a crash.
Source: Fla. Stat. §§ 324.021(7), 324.022(2) (leg.state.fl.us)
#215 ·
Guides (4): RV Insurance Requirements by State: Complete Guide; Arizona Auto Insurance Requirements: Minimum Coverage; Driving School Insurance Requirements by State; Oregon Motorcycle Insurance Requirements: 25/50/20, No PIP & Universal Helmet Law
Error: Gave California's minimum as 15/30/5. The Arizona page also said California has lower limits than Arizona, and the Oregon motorcycle page said Oregon's minimums exceed California's.
Correction: California's minimum has been 30/60/15 since 1 January 2025, above both Arizona's and Oregon's for bodily injury.
Source: California SB 1107 (as verified for /data/auto-liability-minimums, 2026-09-21)
#214 ·
Guide: New Hampshire Auto Insurance Requirements: The Only State Without a Mandate
Error: The comparison table gave Virginia's bodily injury minimum as 30/60.
Correction: Virginia's bodily injury minimum has been 50/100 since 1 January 2025.
Source: Code of Virginia § 46.2-472 (as verified for /data/auto-liability-minimums, 2026-09-18)
#213 ·
Guide: Military Auto Insurance Requirements | SCRA Rules Explained
Error: Dated Texas's 30/60/25 minimum to "the 2024 increase" and called it similar to North Carolina's 50/100/50.
Correction: Texas's 30/60/25 has applied since 2011, and North Carolina's minimums are higher on every limit.
Source: Tex. Transp. Code § 601.072; N.C. S.L. 2023-133 (as verified for /data/auto-liability-minimums, 2026-09-21)
#212 ·
Guides (5): Instacart Shopper Insurance Requirements: The 4 Coverage Periods Explained; Amazon Flex Insurance Requirements: The Gap Between Blocks Nobody Warns You About; Uber Eats Insurance Requirements: Uber's $500,000 Delivery Policy Explained; Liability-Only vs. Full Coverage: What's Required; Canada Travel Insurance Requirements | Health & Auto
Error: State-minimum tables (and one sentence) gave California's minimum as $15,000/$30,000/$5,000, the limit retired on 1 January 2025.
Correction: California's minimum is $30,000/$60,000/$15,000 for policies issued or renewed from 1 January 2025.
Source: California SB 1107 (as verified for /data/auto-liability-minimums, 2026-09-21)
#211 ·
Guide: Maine Auto Insurance Requirements: 50/100/25 Plus Mandatory UM Coverage
Error: The neighbouring-state table gave Massachusetts's minimum as $20,000/$40,000/$5,000.
Correction: Massachusetts's minimum is $25,000/$50,000/$30,000 for policies issued or renewed from 1 July 2025.
Source: Ch. 275, Acts of 2024 (M.G.L. c.90 § 34A) (as verified for /data/auto-liability-minimums, 2026-09-21)
#210 ·
Guide: Uber Eats Insurance Requirements: Uber's $500,000 Delivery Policy Explained
Error: Gave Michigan's bodily injury minimum as $250,000/$500,000.
Correction: $250,000/$500,000 is the default; a driver can elect down to $50,000/$100,000 in writing, so the minimum is 50/100/10.
Source: MCL 500.3009 (as recorded in the Michigan registry note, verified 2026-09-30)
#209 ·
Guides (5): FR-44 Insurance Requirements: Florida & Virginia DUI Coverage Rules; SR-22 vs. FR-44 Requirements: Key Differences; SR-22 Requirements by State | Duration, Offenses & FR-44 Compared; Non-Owner Auto Insurance Requirements | SR-22, FR-44 & License Reinstatement; States With the Harshest Penalties for Driving Without Insurance
Error: Gave Virginia's FR-44 limits as 50/100/40 or 60/120/40 (double the 25/50/20 and 30/60/20 minimums that no longer apply), and called them "roughly double" the minimum.
Correction: Virginia's FR-44 limits are exactly double the § 46.2-472 minimum for all three coverages. That minimum has been 50/100/25 since 1 January 2025, so FR-44 is 100/200/50.
Source: Va. Code §§ 46.2-316(C), 46.2-472 (codes.findlaw.com, current as of 1 Jan 2026; law.lis.virginia.gov was unreachable)
#208 ·
Guide: Virginia Auto Insurance Requirements: 50/100/25 and the End of the UMV Fee
Error: The FR-44 table gave Virginia's standard minimum as $30,000/$60,000/$20,000 and FR-44 as $50,000/$100,000/$40,000. It also listed manslaughter as an FR-44 trigger and said the 3 years run from the conviction date.
Correction: Standard minimum $50,000/$100,000/$25,000; FR-44 $100,000/$200,000/$50,000. The FR-44 triggers are DUI (alcohol or drugs), maiming while DUI and driving on a license forfeited for either. Manslaughter requires proof at standard limits (§ 46.2-316(B)). The 3 years run from when the driver would otherwise be entitled to a license.
Source: Va. Code §§ 46.2-316(C), 46.2-472 (codes.findlaw.com, current as of 1 Jan 2026; law.lis.virginia.gov was unreachable)
#207 ·
Guide: Virginia Motorcycle Insurance Requirements: 50/100/25 & the Mandate Update
Error: Listed "operating a vehicle without insurance in an at-fault accident" as an FR-44 trigger and said FR-44 runs 3 years from the conviction date.
Correction: FR-44 limits follow a conviction for DUI, maiming while DUI or driving on a license forfeited for either, and run 3 years from when the driver would otherwise be entitled to a license. The limits (100/200/50) are now stated instead of deferred to the DMV.
Source: Va. Code §§ 46.2-316(C), 46.2-472 (codes.findlaw.com, current as of 1 Jan 2026; law.lis.virginia.gov was unreachable)
#206 ·
Guides (2): Maryland Auto Insurance Requirements: Mandatory UM Coverage; Washington DC Auto Insurance Requirements | 25/50/10
Error: Neighbouring-state tables gave Virginia's minimum as $30,000/$60,000/$20,000, the limit retired on 1 January 2025. The Maryland page also said Virginia does not mandate uninsured motorist cover and that Virginia "matches Maryland's BI at 30/60".
Correction: Virginia's minimum is $50,000/$100,000/$25,000 for policies from 1 January 2025, above Maryland's on every limit, and uninsured motorist cover at matching limits is required.
Source: Code of Virginia § 46.2-472 (as verified for /data/auto-liability-minimums, 2026-09-18)
#205 ·
Guide: FR-44 Insurance Requirements: Florida & Virginia DUI Coverage Rules
Error: Listed breath-test refusal, a separate "DWI" conviction and "any other conviction the DHSMV designates" as Florida FR-44 triggers.
Correction: Fla. Stat. § 324.023 applies the 100/300/50 limits to a DUI conviction (or a guilty or no-contest plea) under § 316.193. It names no other trigger.
Source: Fla. Stat. § 324.023 (leg.state.fl.us)
#204 ·
Guide: Teen Driver Insurance Requirements | GDL & SR-22 Guide
Error: Said a teen DUI in Florida or Virginia triggers FR-44 "with elevated 100/300/50 minimums", which is Florida's figure applied to both states.
Correction: FR-44 is 100/300/50 in Florida and 100/200/50 in Virginia.
Source: Va. Code §§ 46.2-316(C), 46.2-472 (codes.findlaw.com, current as of 1 Jan 2026; law.lis.virginia.gov was unreachable)
#203 ·
Guide: Hawaii Boat Insurance Requirements | Pacific Island Boating Guide
Error: Cited HRS § 200-51 as Hawaii's boating-under-the-influence law and gave an unsourced penalty table (first offense "$150–$1,000 fine; up to 30 days; revocation 90 days–1 year", with second and third offense tiers and a "Class C felony" row).
Correction: HRS § 200-51 concerns vessels abandoned at marinas and repair yards. Boating under the influence is charged under the OVUII statute, HRS § 291E-61, because § 291E-1 defines "vehicle" to include a vessel. A first offense carries a 14-hour substance abuse program, revocation for one year to 18 months, and 72 hours of community service, 48 hours to 5 days in jail, or a $250–$1,000 fine.
Source: HRS §§ 291E-1, 291E-61 (codes.findlaw.com; capitol.hawaii.gov returned 403)
#202 ·
Guide: Florida Boat Insurance Requirements | Marina & Lender Rules
Error: Stated that federally inspected passenger vessels must carry "passenger liability" of at least $300,000 per passenger, and that P&I insurance is "required for USCG documentation".
Correction: No source supports either claim, and both were removed. The page now cites Florida's verified livery rule: boat rental businesses must carry at least $500,000 per person and $1 million per event and either insure renters or offer them coverage (Fla. Stat. § 327.54(7)).
Source: Fla. Stat. § 327.54 (flsenate.gov, 2024)
#201 ·
Guides (2): California Boat Insurance Requirements | CA Watercraft Guide; Texas Boat Insurance Requirements | TX Watercraft Guide
Error: Stated lender liability minimums as fact: "$300,000 is standard for financing above $50,000" (California) and "typically $100,000–$300,000 minimum" (Texas).
Correction: No source supports these figures. The pages now say lenders may require liability cover at a limit set by the loan agreement.
Source: No source found; figures removed (checklist C4)
#200 ·
Guide: South Carolina Boat Insurance Requirements | Lake Murray & Charleston Harbor Guide
Error: Stated that South Carolina requires a boater safety certificate for all operators born after July 1, 1986.
Correction: Since August 18, 2023, anyone born after July 1, 2007 must pass an approved boater education course to operate a boat, PWC or specialty propcraft of 10 hp or more; a 30-day rental safety certificate is an alternative when renting.
Source: SCDNR, Boater Education (dnr.sc.gov/education/boated.html)
#199 ·
Guide: South Dakota Boat Insurance Requirements | Lake Oahe Guide
Error: Stated that South Dakota requires a boating safety course for operators born after December 31, 1985.
Correction: Boating education is not mandatory in South Dakota; Game, Fish and Parks recommends a course.
Source: South Dakota GFP Boating Handbook 2023, "Boating Education" (gfp.sd.gov)
#198 ·
Guide: Texas Boat Insurance Requirements | TX Watercraft Guide
Error: Stated that Texas boater education applies to PWC operators born after September 1, 1993, under Parks and Wildlife Code § 31.097.
Correction: Under § 31.109, anyone born on or after September 1, 1993 needs boater education to operate a motorized vessel of more than 15 hp (including most PWC) or a windblown vessel over 14 feet; it is not limited to PWCs.
Source: Texas Parks and Wildlife Code § 31.109 (codes.findlaw.com; statutes.capitol.texas.gov unreachable from here)
#197 ·
Guide: Vermont Boat Insurance Requirements | Lake Champlain Guide
Error: Gave the boater-education cutoff as "born after January 1, 1983".
Correction: Vermont requires every motorboat and PWC operator born after January 1, 1974 to pass a boater safety course and carry the card.
Source: Vermont Fish & Wildlife, Boating in Vermont (vtfishandwildlife.com)
#196 ·
Guide: West Virginia Boat Insurance Requirements | Summersville Lake
Error: Gave the boater-education cutoff as born after / on or after January 1, 1986.
Correction: The requirement applies to anyone born on or after December 31, 1986 operating a motorboat or PWC (W. Va. Code § 20-7-12b), with exemptions for short-term visitors, commercial operation and new boat owners within 45 days.
Source: W. Va. Code § 20-7-12b (WVDNR copy, wvdnr.gov)
#195 ·
Guide: Wyoming Boat Insurance Requirements | Flaming Gorge & Jackson Lake Guide
Error: Stated that Wyoming requires a boater safety certificate for operators born on or after January 1, 1989.
Correction: Wyoming has no mandatory boating education. Boat and PWC operators must be at least 16, or be accompanied by an adult responsible for the craft.
Source: Wyoming Game & Fish, Boating and Watercraft FAQ (wgfd.wyo.gov); NASBLA state table
#194 ·
Guide: Montana Boat Insurance Requirements | Flathead Lake & Fort Peck
Error: Stated that Montana requires a boating safety certificate for operators born after January 1, 1985.
Correction: Montana requires boater education only for youths aged 13 and 14 operating a motorboat or PWC over 10 hp, unless someone 18 or older is aboard. There is no requirement from age 15.
Source: Montana FWP, Boating Education (fwp.mt.gov)
#193 ·
Guide: Nebraska Boat Insurance Requirements | Lake McConaughy Guide
Error: Gave the boater-education cutoff as "born on or after January 1, 1985".
Correction: The requirement applies to anyone born after December 31, 1985 who operates a motorboat or PWC (Neb. Rev. Stat. § 37-1241.06); no one under 14 may operate one.
Source: Neb. Rev. Stat. § 37-1241.06 (nebraskalegislature.gov, unreachable from here; statute text as quoted in search results, consistent with the NASBLA state table); 163 NAC 3-017 (law.cornell.edu)
#192 ·
Guide: New Hampshire Boat Insurance Requirements | Lake Winnipesaukee
Error: Stated that New Hampshire's boater education requirement applies only to operators aged 16 and 17, with under-16s supervised.
Correction: The requirement applies at any age: no one may operate a motorized vessel with a motor over 25 hp on New Hampshire public waters without a certificate of boating safety education (RSA 270-D:10), issued from age 16 (RSA 270-D:13).
Source: RSA 270-D:10 and 270-D:13 (gc.nh.gov, unreachable from here; statute text as quoted in search results)
#191 ·
Guide: New Jersey Boat Insurance Requirements | Barnegat Bay & Coast
Error: Stated that New Jersey requires certification only for operators under 16 (over 10 hp) and for adults born after January 1, 1979 operating 25 hp or more.
Correction: Every operator of a power vessel or PWC needs a New Jersey Boat Safety Certificate, whatever their age or engine size, and on non-tidal waters also an MVC boat license (issued from age 16).
Source: NJ Motor Vehicle Commission, Motorboat or Jet Ski License (nj.gov/mvc/vehicles/boating.htm); N.J.S.A. 12:7-61
#190 ·
Guide: North Dakota Boat Insurance Requirements | Lake Sakakawea Guide
Error: Stated that North Dakota requires a boating safety certificate for operators born after December 31, 1985.
Correction: North Dakota requires the boating basics course only for youths aged 12–15 operating a boat or PWC with a motor of 10 hp or more on their own. There is no requirement for adults.
Source: North Dakota Game and Fish, Boating and Water Safety Education (gf.nd.gov/education/boating)
#189 ·
Guide: Oregon Boat Insurance Requirements | Columbia River & Coast
Error: Stated that Oregon requires boater education only for operators under 16 and that adults are "not currently subject to mandatory education requirements".
Correction: Anyone of any age operating a motorboat over 10 hp, including a PWC, must carry an Oregon Boating Safety Education Card. 12- to 15-year-olds may operate a boat over 10 hp only with a card-holder aged 16 or older aboard (18 or older on a PWC).
Source: Oregon State Marine Board, Boating Education Cards (oregon.gov/osmb)
#188 ·
Guide: Colorado Boat Insurance Requirements | Lake Granby, Dillon & Pueblo Reservoir
Error: Stated that Colorado requires a boater safety certificate for all operators born after January 1, 1994.
Correction: Colorado requires a state-approved boating safety course only for operators aged 14–17 of a motorized vessel, including a PWC. Operators 18 and over need no course.
Source: Colorado Parks and Wildlife, Boating Safety (cpw.state.co.us)
#187 ·
Guide: Indiana Boat Insurance Requirements | Lake Michigan & Lake Monroe Guide
Error: Stated that Indiana requires a boater safety certificate for operators born after December 31, 1986.
Correction: Indiana has no birth-date rule. To operate a motorboat over 10 hp you need a valid driver's license, or you must be at least 15, have passed a DNR-approved boater education course and carry a BMV identification card (IC 14-15-11).
Source: Indiana DNR, "At what age may a person operate a motorboat" (faqs.in.gov)
#186 ·
Guide: Iowa Boat Insurance Requirements | Iowa Great Lakes Guide
Error: Stated that Iowa requires a boating safety course for operators born after January 1, 1988.
Correction: Iowa requires the course only for operators aged 12–17 of a motorboat over 10 hp or a PWC, unless an experienced person aged 18 or older is aboard. There is no requirement for adults.
Source: Iowa DNR, Boater Education & Safety (iowadnr.gov)
#185 ·
Guide: Kentucky Boat Insurance Requirements | Kentucky Lake & Lake Cumberland Guide
Error: Stated that Kentucky requires a boater safety certificate for all operators born after January 1, 1999.
Correction: Kentucky requires a Safe Boating Certificate only for operators aged 12 through 17 of a PWC or a motorboat over 10 hp. There is no requirement for adults; 2021 bills to extend it to everyone born on or after January 1, 1975 (HB 319, SB 188) died in committee.
Source: KRS 235.285(7); 301 KAR 6:060 (law.cornell.edu); BillTrack50 status of 2021 HB 319 and SB 188
#184 ·
Guide: Massachusetts Boat Insurance Requirements | Boston Harbor Guide
Error: Stated that Massachusetts requires boater safety certification for operators born on or after January 1, 1998.
Correction: Under the Hanson-Milone Act (Acts of 2024, c. 350), since April 1, 2026 anyone born after January 1, 1989 needs a boater safety certificate to operate a motorboat or PWC; everyone born earlier must have one by April 1, 2028. Enforcement began in September 2026.
Source: Acts of 2024, c. 350 (malegislature.gov, unreachable from here); confirmed in the Town of Harvard Hanson-Milone flyer and Boston.com, April 11, 2026
#183 ·
Guide: Minnesota Boat Insurance Requirements | Land of 10,000 Lakes Guide
Error: Stated that Minn. Stat. § 86B.331 requires boating safety education for operators born after December 31, 1988.
Correction: § 86B.331 is the boating-while-impaired statute. The 2023 law (§§ 86B.005, 86B.302–86B.303) requires a watercraft operator's permit for PWC and motorboats over 25 hp, phased in by birth date: on or after July 1, 2004 (from 2025), July 1, 2000 (from July 1, 2026), July 1, 1996 (2027) and July 1, 1987 (2028).
Source: Minnesota Statutes chapter 86B (revisor.mn.gov, 2025 edition)
#182 ·
Guide: Alabama Boat Insurance Requirements | Gulf Shores, Lake Guntersville & Mobile Bay
Error: Stated that Alabama requires a boater safety certificate only for operators born on or after August 1, 1988, with ADCNR-approved courses.
Correction: Every operator of a motorized vessel must be at least 12 and licensed (vessel class "V", through ALEA); operators under 14 hold a learner license and must be accompanied by a licensed operator aged 21 or older. There is no birth-date cutoff. The Marine Patrol is part of ALEA, not ADCNR.
Source: Alabama Law Enforcement Agency, Boat/Vessel License Requirements (alea.gov)
#181 ·
Guide: Alaska Boat Insurance Requirements | Prince William Sound & Homer Spit
Error: Stated that Alaska requires a boater safety certificate for operators born on or after January 1, 1986 running motors of 21 hp or more.
Correction: Alaska has no mandatory boater education. A course is recommended and earns an Alaska Boater Education card.
Source: Alaska Office of Boating Safety, Online Boating Safety Courses (dnr.alaska.gov/parks/boating)
#180 ·
Guide: Arkansas Boat Insurance Requirements | Lake Ouachita Guide
Error: Gave the boater-education cutoff as "born after January 1, 1984".
Correction: The requirement applies to anyone born on or after January 1, 1986 who operates a motorboat or sailboat. A leftover claim that "USACE-permitted facilities" have more standardized marina requirements was also removed.
Source: Arkansas Game and Fish Commission, Boater Education (agfc.com)
#179 ·
Guide: Connecticut Boat Insurance Requirements | Long Island Sound
Error: Stated that Connecticut requires a boater safety certificate only for operators born on or after January 1, 1983, on motorboats of 10 hp or more.
Correction: There is no birth-date cutoff or 10 hp threshold. Connecticut residents, Connecticut property owners and operators of Connecticut-registered vessels need a Safe Boating Certificate for any motorboat or sailboat 19½ feet or longer, and a Certificate of Personal Watercraft Operation for a PWC.
Source: CT DEEP, Who Needs a Certificate (portal.ct.gov/DEEP/Boating/Certification)
#178 ·
Guide: Utah Boat Insurance Requirements | Lake Powell & Flaming Gorge
Error: Stated that Utah requires operators born on or after January 1, 1986 to complete a boater safety course, administered by Utah State Parks.
Correction: Utah currently requires only young personal watercraft operators to take the youth PWC course. From January 1, 2027, HB 54 (2026) requires everyone who operates a motorboat or sailboat to complete a watercraft operator safety course every calendar year. Boating education is run by the Division of Outdoor Recreation.
Source: Utah Division of Outdoor Recreation, 2026 Boating Legislative Update Summary (utah.gov/pmn/files/1434312.pdf)
#177 ·
Guide: Hawaii Boat Insurance Requirements | Pacific Island Boating Guide
Error: Stated that Hawaii has "no state mandate" for boater education.
Correction: Since November 10, 2014, every operator of a motorized vessel in Hawaii state waters must hold a certificate from a NASBLA- and state-approved boating course (HAR § 13-244-15.5).
Source: Hawaii DOBOR, Boating — Motorized Vessels (dlnr.hawaii.gov/dobor/boating-motorized-vessel/)
#176 ·
Guides (6): Arizona Boat Insurance Requirements | Lake Havasu & Lake Powell Guide; Maryland Boat Insurance Requirements | Chesapeake Bay Guide; Missouri Boat Insurance Requirements | Lake of the Ozarks Guide; North Carolina Boat Insurance Requirements | OBX & Coastal Guide; Pennsylvania Boat Insurance Requirements | Lake Erie & Tri-Rivers Guide; Texas Boat Insurance Requirements | TX Watercraft Guide
Error: A comparison table gave "$300K–$500K" (or $300,000) as the "marina standard" or "marina minimum" for this state and each neighbour; on the Texas page, a facility table gave "$100,000–$300,000" for dry storage and "$500,000" for boatyards. The earlier neighbour-column fix (C4d) missed these because the marina column was not the last column.
Correction: No source supports these figures. The columns now read "Set by each marina" (or "Set by each facility").
Source: No source found; figures removed (checklist C4)
#175 ·
Guides (10): Missouri Boat Insurance Requirements | Lake of the Ozarks Guide; Montana Boat Insurance Requirements | Flathead Lake & Fort Peck; Nevada Boat Insurance Requirements | Lake Mead & Lake Tahoe; New Jersey Boat Insurance Requirements | Barnegat Bay & Coast; North Carolina Boat Insurance Requirements | OBX & Coastal Guide; North Dakota Boat Insurance Requirements | Lake Sakakawea Guide; Oregon Boat Insurance Requirements | Columbia River & Coast; Pennsylvania Boat Insurance Requirements | Lake Erie & Tri-Rivers Guide; South Carolina Boat Insurance Requirements | Lake Murray & Charleston Harbor Guide; West Virginia Boat Insurance Requirements | Summersville Lake
Error: Stated that marinas require "$300,000–$500,000" liability (in lake-by-lake paragraphs, tables, FAQs, takeaways, excerpts and metas), described as a "regional standard" or "the standard on Sakakawea", and attributed to federal bodies — "NPS permit agreements" at Lake Mead, "USACE concessionaire" marinas at Fort Peck and Lake Sakakawea, "Corps of Engineers concessionaires" at Table Rock Lake. Montana also listed Glacier National Park "access requirements" as a source of the insurance obligation; Pennsylvania placed Conneaut Lake (an inland lake) among Lake Erie marinas.
Correction: No source supports these figures or attributions. The pages now say marinas commonly require liability cover as a slip condition, each at a limit it sets; the Glacier and Conneaut Lake statements were removed. Labelled coverage recommendations were kept.
Source: No source found; figures removed (checklist C4)
#174 ·
Guide: Hawaii Boat Insurance Requirements | Pacific Island Boating Guide
Error: Stated that DOBOR harbor agreements at "all 22" state small boat harbors require "$300,000–$500,000" liability naming DOBOR/DLNR as additional insured, and described Lahaina Small Boat Harbor as the departure point for most Maui charter operations.
Correction: DOBOR requires every mooring permit in a DLNR/DOBOR-managed harbor or offshore mooring area to carry at least $500,000 boat liability (protection and indemnity) naming the State of Hawaii, DOBOR as additional insured or additional interest, effective January 1, 2014; the policy must also cover salvage of grounded and sunken vessels, dock damage, pollution containment and wreck removal. Lahaina Small Boat Harbor was destroyed in the August 2023 wildfires; limited daytime commercial operations resumed on December 15, 2025, with mooring prohibited until further notice. The unsourced harbor count was removed.
Source: Hawaii DOBOR notice, mandatory insurance minimum coverage (files.hawaii.gov/dlnr/dobor/notices/Notice-Boaters-201307.pdf); DLNR news release, December 2, 2025 (dlnr.hawaii.gov/blog/2025/12/02/nr25-138/)
#173 ·
Guides (2): Illinois Boat Insurance Requirements | Lake Michigan & Chain O'Lakes Guide; Indiana Boat Insurance Requirements | Lake Michigan & Lake Monroe Guide
Error: Stated that Chicago Park District harbor slip agreements require "$500,000–$1,000,000" (some "$1M") liability per occurrence, that Illinois marinas and Corps of Engineers facilities apply a "$300,000–$500,000" or "$300,000" standard, and that some Chicago facilities require the Park District or City to be named as additional insured.
Correction: The Chicago Park District mooring permit requires a public liability policy with limits of not less than $300,000 per occurrence (Code Chapter 8, permit term 56); the permit terms do not require permittees to name the Park District as additional insured. Other Illinois marinas set their own limits, so the unsourced figures for inland lakes, the Fox Chain O'Lakes and Corps reservoirs were removed.
Source: Chicago Park District Code, Chapter 8 — Harbors, revised June 11, 2025 (chicagoparkdistrict.com/media/126/download)
#172 ·
Guides (8): Alabama Boat Insurance Requirements | Gulf Shores, Lake Guntersville & Mobile Bay; Arkansas Boat Insurance Requirements | Lake Ouachita Guide; Colorado Boat Insurance Requirements | Lake Granby, Dillon & Pueblo Reservoir; Georgia Boat Insurance Requirements | Lake Lanier & Coastal Guide; Indiana Boat Insurance Requirements | Lake Michigan & Lake Monroe Guide; Kentucky Boat Insurance Requirements | Kentucky Lake & Lake Cumberland Guide; Massachusetts Boat Insurance Requirements | Boston Harbor Guide; Minnesota Boat Insurance Requirements | Land of 10,000 Lakes Guide
Error: Stated that marinas require "$300,000–$500,000" liability (in lake-by-lake paragraphs, tables, FAQs, takeaways and excerpts), described as a "regional standard", "Lake Michigan standards" or "Corps-standard practices"; Georgia said state park marinas use "standard GA DNR permit language requiring $300,000"; Minnesota said "roughly 80%" of slip agreements require cover.
Correction: No source supports these figures, attributions or the percentage. The pages now say marinas commonly require liability cover as a slip condition, each at a limit it sets. Labelled coverage recommendations were kept.
Source: No source found; figures removed (checklist C4)
#171 ·
Guides (14): West Virginia Boat Insurance Requirements | Summersville Lake; North Dakota Boat Insurance Requirements | Lake Sakakawea Guide; Alabama Boat Insurance Requirements | Gulf Shores, Lake Guntersville & Mobile Bay; Arkansas Boat Insurance Requirements | Lake Ouachita Guide; Colorado Boat Insurance Requirements | Lake Granby, Dillon & Pueblo Reservoir; Hawaii Boat Insurance Requirements | Pacific Island Boating Guide; Indiana Boat Insurance Requirements | Lake Michigan & Lake Monroe Guide; Kentucky Boat Insurance Requirements | Kentucky Lake & Lake Cumberland Guide; Massachusetts Boat Insurance Requirements | Boston Harbor Guide; Montana Boat Insurance Requirements | Flathead Lake & Fort Peck; Nevada Boat Insurance Requirements | Lake Mead & Lake Tahoe; New Jersey Boat Insurance Requirements | Barnegat Bay & Coast; Oregon Boat Insurance Requirements | Columbia River & Coast; South Carolina Boat Insurance Requirements | Lake Murray & Charleston Harbor Guide
Error: A neighbour-state comparison table gave "$300,000–$500,000" (or a similar range) as the "typical marina requirement" for this state and each of its neighbours.
Correction: No source supports these figures. The column now reads "Marina Requirement: Set by each marina". The same pages' body text is being corrected in the next batch.
Source: No source found; figures removed (checklist C4)
#170 ·
Guides (10): Arizona Boat Insurance Requirements | Lake Havasu & Lake Powell Guide; Texas Boat Insurance Requirements | TX Watercraft Guide; Wyoming Boat Insurance Requirements | Flaming Gorge & Jackson Lake Guide; Connecticut Boat Insurance Requirements | Long Island Sound; Iowa Boat Insurance Requirements | Iowa Great Lakes Guide; Mississippi Boat Insurance Requirements | River, Reservoir & Gulf; New Hampshire Boat Insurance Requirements | Lake Winnipesaukee; Maryland Boat Insurance Requirements | Chesapeake Bay Guide; Nebraska Boat Insurance Requirements | Lake McConaughy Guide; South Dakota Boat Insurance Requirements | Lake Oahe Guide
Error: Stated that marinas require "$300,000–$500,000" liability (in tables, lake-by-lake paragraphs, FAQs, takeaways, excerpts and metas), often framed as a federal or agency rule — "USACE concessionaire", Bureau of Reclamation, NPS and USFS "marina permits", "Corps marina permit requirements" and Texas Parks and Wildlife lake facilities — and gave the same range for neighbouring states.
Correction: No source supports these figures or attributions. The pages now say marinas commonly require liability cover as a slip condition, each at a limit it sets, and neighbour-state columns read "Set by each marina". Labelled coverage recommendations were kept.
Source: No source found; figures removed (checklist C4)
#169 ·
Guides (8): Oklahoma Boat Insurance Requirements | Lake Eufaula & Texoma Guide; New Mexico Boat Insurance Requirements | Elephant Butte Guide; Louisiana Boat Insurance Requirements | Gulf Coast & Pontchartrain Guide; Maine Boat Insurance Requirements | Penobscot Bay & Casco Bay; Idaho Boat Insurance Requirements | Pend Oreille & Coeur d'Alene Guide; Rhode Island Boat Insurance Requirements | Narragansett Bay; Vermont Boat Insurance Requirements | Lake Champlain Guide; Alaska Boat Insurance Requirements | Prince William Sound & Homer Spit
Error: Stated that marinas require "$300,000–$500,000" liability (or $300,000 or $500,000 at named facilities) and attributed the figure to federal or public bodies — "USACE-permitted marina facilities at all 24" Oklahoma reservoirs under "federal USACE permit requirements", Bureau of Reclamation and Corps marinas in New Mexico and Idaho, and the Seward, Homer and Valdez harbors in Alaska — and gave the same figure as the "typical marina requirement" for neighbouring states.
Correction: No source supports these figures, and the Corps of Engineers does not set a slip-holder insurance amount — marinas on Corps and Reclamation lakes are run by concessionaires that set their own terms. The pages now say marinas commonly require liability cover as a slip condition, each at a limit it sets, and the neighbour-state columns read "Set by each marina". Labelled coverage recommendations were kept.
Source: No source found; figures removed (checklist C4)
#168 ·
Guides (8): Florida Boat Insurance Requirements | Marina & Lender Rules; Delaware Boat Insurance Requirements | Bay & Canal Guide; California Boat Insurance Requirements | CA Watercraft Guide; New York Boat Insurance Requirements | No State Mandate; Michigan Boat Insurance Requirements | No State Mandate; Utah Boat Insurance Requirements | Lake Powell & Flaming Gorge; Washington State Boat Insurance Requirements | Puget Sound Guide; Ohio Boat Insurance Requirements | Lake Erie & Inland Lakes
Error: Stated specific liability amounts that marinas require — typically "$300,000–$500,000" (or $300,000–$1M, or $1M), including tiered tables by vessel length or marina type — and attributed them to named institutions: Delaware's Indian River Marina, California State Parks, NPS and Bureau of Reclamation concessions at Lake Powell and Flaming Gorge, ODNR-managed marinas, Washington State Parks moorage and NYC Parks permits.
Correction: No published source supports these figures, and the institutional attributions could not be confirmed (the one search result citing the Indian River Marina figure was this site). The pages now say what is verifiable: marinas commonly require liability cover as a slip condition, often naming the marina as additional insured, and each marina, state-run or private, sets its own limit in the slip or storage agreement. Clearly labelled coverage recommendations were kept.
Source: No source found; figures removed (checklist C4)
#167 ·
Guide: Summer Camp Insurance Requirements | GL & Abuse Coverage Guide
Error: The verdict headline and excerpt still said state camp licensing and ACA accreditation "all demand" or "require proof of" $1M/$3M general liability, after the article body had been corrected on 2026-09-30.
Correction: Neither camp licensing (New York Subpart 7-2, Massachusetts 105 CMR 430 as reviewed) nor ACA accreditation was found to set an insurance amount; ACA accreditation is voluntary. The headline and excerpt now say that landowners, facility rental agreements and school or municipal partners commonly require general liability, and that abuse and molestation cover is bought separately.
Source: New York State Department of Health; Massachusetts DPH; American Camp Association
#166 ·
Guide: New York Boat Insurance Requirements | No State Mandate
Error: Stated that New York requires a boating safety certificate only for operators born on or after January 1, 1996 operating a vessel of 10 HP or more, and called a first BWI offense a "Class A misdemeanor".
Correction: Under Brianna's Law, phased in from 2020, every operator of a motorized vessel on New York waters has needed a boating safety certificate since January 1, 2025, regardless of age. The BWI offense class could not be verified; the table now says misdemeanor.
Source: New York Navigation Law (Brianna's Law); NYS Office of Parks, Recreation and Historic Preservation
#165 ·
Guide: Michigan Boat Insurance Requirements | No State Mandate
Error: Stated that Michigan's boating safety certificate applies to operators born on or after January 1, 1996 on vessels of 6 HP or more, and gave the boating OWI penalty as "93 days to 2 years imprisonment".
Correction: MCL 324.80215 applies to operators born on or after July 1, 1996 on motorboats of more than 6 horsepower. Under MCL 324.80177 a first OWI offense on the water is a misdemeanor punishable by up to 93 days and/or a $100–$500 fine; a second within 7 years carries up to 1 year and $200–$1,000.
Source: MCL 324.80215; MCL 324.80177
#164 ·
Guide: Georgia Homeowners Insurance Requirements | Mortgage & HOA Rules
Error: Stated that the VA requires hazard insurance at replacement cost value, that FHA requires coverage of the loan amount or the replacement cost of improvements, and (FAQ) that lenders typically require $100,000+ of personal liability coverage.
Correction: VA rules require insurance "in an amount sufficient to protect the security … to the extent customary in the locality" (38 CFR 36.4329). FHA looks for at least the lesser of 100% of the insurable value of the improvements or the principal loan balance (24 CFR 203.379). None of Fannie Mae, FHA or VA sets a personal liability minimum; the FAQ had contradicted the page's own corrected lender section.
Source: 38 CFR 36.4329; 24 CFR 203.379; Fannie Mae Selling Guide B7-3-02
#163 ·
Guide: Georgia Homeowners Insurance Requirements | Mortgage & HOA Rules
Error: Stated that force-placed insurance costs "2–10 times more" than standard insurance, that condo HOAs usually require $100,000–$300,000 of personal liability, that some Georgia insurers impose a 30-day waiting period on new wind and hail coverage, and gave a premium table by dwelling value.
Correction: None of these figures or claims could be sourced and they were removed. Force-placed insurance is described as usually more expensive; HOA liability limits are set by each association's governing documents.
Source: No source found; claims removed
#162 ·
Guide: Restaurant Insurance Requirements: Complete Coverage Guide
Error: Listed health departments as a source of required "food contamination coverage".
Correction: Health departments inspect and permit food businesses; they do not require an insurance policy. Food contamination and spoilage coverage is optional.
Source: No requirement found; claim removed
#161 ·
Guide: Restaurant Insurance Requirements: Complete Coverage Guide
Error: Stated that workers' compensation is required for any restaurant with employees, "even part-time", with fines of "$1,000–$100,000", and gave California's penalty as "$10,000 minimum + $1,500–$100,000".
Correction: Workers' compensation applies at the state's employee threshold (1–5 employees in most states; optional in Texas), and part-time staff count toward it. Verified examples of penalties: California issues a stop order plus $1,500 per employee (more if uninsured over a week) and treats failure to insure as a misdemeanor (up to a year and/or $10,000); Florida imposes twice the premium that should have been paid (minimum $1,000); New York fines up to $2,000 per 10 days.
Source: Cal. Lab. Code §§ 3722, 3700.5; Fla. Stat. § 440.107(7)(d); N.Y. WCL § 52
#160 ·
Guide: Restaurant Insurance Requirements: Complete Coverage Guide
Error: Listed "PCI-DSS compliance required" as a reason restaurants need cyber insurance, reading as a legal requirement.
Correction: PCI DSS is the card industry's data security standard; whether a merchant must comply is set by the payment brands and acquirers, not by law, and it does not require insurance. Cyber insurance is optional.
Source: PCI Security Standards Council — PCI DSS
#159 ·
Guide: Restaurant Insurance Requirements: Complete Coverage Guide
Error: Gave unsourced premium tables by coverage and restaurant type, insurance cost as a percentage of revenue, typical claim sizes, and said commercial auto is required for restaurants that partner with third-party delivery services.
Correction: The unsourced figures were removed. Auto liability is required on vehicles the business owns; hired and non-owned auto coverage for employees' cars is optional, and using a third-party delivery service does not by itself require the restaurant to carry commercial auto.
Source: State auto insurance laws (see minimum-auto-insurance-by-state)
#158 ·
Guides (6): Car Wash Insurance Requirements: Coverage Rules; Electrical Contractor Insurance Requirements; Glazing Contractor Insurance Requirements; Do Locksmiths Need Insurance? Requirements & Costs; Pet Boarding Insurance Requirements | CCC & Kennel Coverage; Warehouse Insurance Requirements
Error: Stated that operating without required workers' compensation carries "back premiums plus a 10%–35% penalty" (in most states).
Correction: No source supports a 10%–35% penalty range; the figure was a template default and was removed. Penalties vary by state and include stop-work orders, fines and criminal charges. Florida, for example, imposes a penalty of twice the premium that should have been paid (minimum $1,000); California and New York treat failure to insure as a crime.
Source: Florida Statutes § 440.107(7)(d); California Labor Code §§ 3722, 3700.5; New York Workers' Compensation Law § 52 (see workers-comp-requirements-by-state)
#157 ·
Guide: Michigan Motorcycle Insurance Requirements: No-Fault Exclusion Explained
Error: Stated that Michigan's motorcycle liability minimum is 20/40/10 and that motorcycles were not subject to the 2020 change in minimum limits because they are excluded from the no-fault act.
Correction: MCL 500.3103(1) requires a motorcycle owner's liability security to conform with section 3009(1), the same limits that apply to cars: since July 1, 2020, at least $250,000 per person and $500,000 per accident for bodily injury and $10,000 for property damage. The election of lower limits (never below $50,000/$100,000) in §3009(5)–(6) is written for automobile policies. The PIP exclusion for motorcycles is a separate rule.
Source: MCL 500.3103(1); MCL 500.3009(1), (5)–(6); DIFS Bulletin 2020-03-INS
#156 ·
Guides (2): Private Investigator Insurance & Bonding Requirements by State; Bonded vs. Insured: What's the Difference?
Error: Stated that Michigan lets professional investigators satisfy licensing with either a $10,000 bond or an "equivalent" insurance policy, "functionally interchangeable" with the bond.
Correction: MCL 338.829 requires a $10,000 bond or, instead, a liability insurance policy naming the licensee and the state as co-insured with limits of $100,000 for injury or death of one person, $200,000 for more than one person and $10,000 for property damage. The insurance alternative carries far higher limits than the bond.
Source: MCL 338.829(1)
#155 ·
Guide: Idaho Auto Insurance Requirements: Minimum Coverage
Error: Stated that Idaho insurers must only offer uninsured and underinsured motorist coverage and that drivers can decline both in writing, framed as optional ("Can decline"), with an unsourced uninsured-rate and price range.
Correction: Under Idaho Code §41-2502, UM and UIM are included in every Idaho auto liability policy unless the named insured rejects either or both in writing or electronically. The unsourced 8–11% uninsured rate and $80–$150 price were removed.
Source: Idaho Code §41-2502
#154 ·
Guide: Idaho Auto Insurance Requirements: Minimum Coverage
Error: Described driving uninsured as a misdemeanor with a first-offense fine of "$75–$1,000", and said an SR-22 is typically required for 3 years.
Correction: A first violation of §49-1229 is an infraction with a $75 fine; a second conviction within five years is a misdemeanor punishable by a fine of up to $1,000, up to six months in jail, or both. ITD requires proof of financial responsibility (SR-22) for 1 year after a first no-insurance offense and 3 years after a second within five years (3 years after DUI or reckless-driving suspensions).
Source: Idaho Code §49-1229; Idaho Transportation Department Driver's Manual, Chapter 8
#153 ·
Guide: Idaho Auto Insurance Requirements: Minimum Coverage
Error: Listed two alternatives to insurance: a $50,000 surety bond filed with the Idaho Transportation Department and a $50,000 cash deposit with the State Treasurer.
Correction: §49-1229(2) provides one alternative: an indemnity bond posted with the director of the Department of Insurance, guaranteeing at least $50,000 per accident including $15,000 for property damage. The statute does not provide for a cash deposit with the State Treasurer.
Source: Idaho Code §49-1229(2)
#152 ·
Guide: SR-22 Requirements by State | Duration, Offenses & FR-44 Compared
Error: Gave Idaho's SR-22 duration as 3 years.
Correction: Idaho requires proof of financial responsibility for 1 year after a first no-insurance offense, and 3 years after a second within five years or after a DUI or reckless-driving suspension.
Source: Idaho Transportation Department Driver's Manual, Chapter 8
#151 ·
Guide: Arkansas Motorcycle Insurance Requirements | 25/50/25 & Helmets Under 21
Error: Stated in the title and throughout that Arkansas has a universal helmet law with no age or experience exemptions (citing Ark. Code § 27-20-101), and that neighboring Tennessee exempts adult riders and Missouri requires helmets for all riders.
Correction: Under Ark. Code § 27-20-104, operators and passengers must wear protective headgear unless they are 21 or older; every rider must wear protective glasses, goggles or a face shield. The unverified comparisons with Tennessee and Missouri were removed.
Source: Ark. Code Ann. § 27-20-104
#150 ·
Guide: Kentucky Motorcycle Insurance Requirements: 25/50/10 & Choice No-Fault Exclusion
Error: Stated that Kentucky has a universal helmet law with no age exemptions, and that neighboring Tennessee "lifted its universal law in 2018".
Correction: KRS 189.285 requires protective headgear for riders under 21, operators with an instruction permit, and operators licensed for less than one year; operators must use approved eye protection. The Tennessee claim could not be verified and was removed.
Source: KRS 189.285
#149 ·
Guide: New Mexico Motorcycle Insurance Requirements | 25/50/10 & 21% Uninsured Rate
Error: Stated that New Mexico has a universal helmet law with no age exemptions, citing NMSA § 66-3-171.
Correction: NMSA 1978 § 66-7-356 requires a safety helmet only for operators and passengers under 18.
Source: NMSA 1978 § 66-7-356
#148 ·
Guide: Oklahoma Motorcycle Insurance Requirements: 25/50/25 & Helmets Under 18
Error: Stated in the title and throughout that Oklahoma has a universal helmet law under 47 O.S. § 12-609 with no age exemptions, and that violations may be used as evidence of comparative fault.
Correction: 47 O.S. § 12-609 requires a crash helmet only for riders under 18, operators and passengers alike. The comparative-fault claim could not be verified and was removed.
Source: 47 O.S. § 12-609
#147 ·
Guide: Rhode Island Motorcycle Insurance Requirements | 25/50/25 & Mandatory UM
Error: Stated that Rhode Island has a universal helmet law with no exemptions based on age, experience or years of licensing, citing R.I. Gen. Laws § 31-10.1-5.
Correction: R.I. Gen. Laws § 31-10.1-4 requires a helmet for operators under 21, for every new operator for one year from the first license, and for passengers; operators must wear eye protection. Experienced operators 21 and older may ride without a helmet.
Source: R.I. Gen. Laws § 31-10.1-4
#146 ·
Guide: Connecticut Motorcycle Insurance Requirements: 25/50/25, Mandatory UIM & No PIP
Error: Described Connecticut as a "modified no-fault state" whose auto policies carry mandatory $20,000 PIP, with motorcycles excluded under CGS § 38a-363.
Correction: Connecticut is a tort (at-fault) state. It repealed its no-fault law in 1993 (Public Act 93-273), effective January 1, 1994, and no Connecticut auto or motorcycle policy carries mandatory PIP.
Source: Connecticut Office of Legislative Research reports on the no-fault repeal; CGS § 38a-336
#145 ·
Guide: Connecticut Motorcycle Insurance Requirements: 25/50/25, Mandatory UIM & No PIP
Error: Stated that Connecticut has a universal helmet law with no age exemptions, that eye protection is required for all riders, and that violations carry a $75–$90 fine.
Correction: Under CGS § 14-289g only riders under 18 (operators and passengers) must wear protective headgear; a violation is an infraction with a fine of not less than $90. The eye protection and "contributory negligence" claims could not be verified and were removed.
Source: CGS § 14-289g
#144 ·
Guides (2): Delaware Motorcycle Insurance Requirements | 25/50/10 Plus PIP; Delaware Auto Insurance Requirements: No-Fault PIP Coverage Explained
Error: Stated that motorcycles are excluded from Delaware's mandatory PIP, so motorcyclists need only liability coverage.
Correction: Delaware's PIP requirement ($15,000 per person / $30,000 per accident) applies to every registered motor vehicle, motorcycles included. A motorcycle owner may only elect to exclude injuries that occur off the highway and injuries where no other vehicle was involved by actual collision or contact.
Source: 21 Del. C. § 2118(a)(2), including (a)(2)(f)
#143 ·
Guide: Delaware Motorcycle Insurance Requirements | 25/50/10 Plus PIP
Error: Stated that Delaware requires uninsured motorist coverage in all policies.
Correction: Uninsured/underinsured motorist coverage is included in every Delaware policy unless the named insured rejects it in writing; limits may not be lower than the financial responsibility minimums.
Source: 18 Del. C. § 3902
#142 ·
Guide: Delaware Motorcycle Insurance Requirements | 25/50/10 Plus PIP
Error: Stated in the title and throughout that Delaware has a universal helmet law with no age exemptions, and that New Jersey exempts riders over 21.
Correction: Delaware requires helmets (and eye protection) to be worn by riders up to age 19 and by operators endorsed on or after July 30, 2023, and their passengers, for two years; all other riders must have a helmet in their possession and wear eye protection. The New Jersey comparison was removed.
Source: 21 Del. C. § 4185(b)
#141 ·
Guide: Delaware Motorcycle Insurance Requirements | 25/50/10 Plus PIP
Error: Gave penalties for riding uninsured of $1,500–$3,000 (first offense) and $3,000–$5,000 plus suspension (repeat), called Delaware a "no-fault state", and included an unsourced SR-22 table and premium estimates.
Correction: Under § 2118(s)(1) the fine is $1,500–$2,000 for a first offense and $3,000–$4,000 for a repeat within 3 years, each with a 6-month license suspension. Delaware requires PIP but does not restrict lawsuits the way no-fault states do. The unsourced SR-22 and cost tables were removed.
Source: 21 Del. C. § 2118(s)(1)
#140 ·
Guide: PIP Insurance Requirements by State | No-Fault Guide
Error: Listed Delaware and Oregon among states where PIP is an optional add-on, "$15,000 minimum when purchased".
Correction: Both states require PIP. Delaware requires it on every registered motor vehicle ($15,000/$30,000); Oregon requires it in every policy covering a private passenger motor vehicle, with motorcycle and moped riding excluded from the required benefits. Neither restricts the right to sue the way no-fault states do.
Source: 21 Del. C. § 2118(a)(2); ORS 742.520
#139 ·
Guides (3): Liquor Liability Insurance Requirements | Dram Shop Guide; Bar Insurance Requirements: Liquor Liability & More; Restaurant Insurance Requirements: Complete Coverage Guide
Error: Stated that liquor liability insurance is a condition of a liquor licence in most states (liquor guide: "38 states", "most licensing boards require $1M/$2M", including off-premises retail licences).
Correction: Dram shop laws create liability; they do not by themselves require insurance. Only some states make liquor liability insurance, or equivalent proof of financial responsibility, a licence condition. Verified examples: Illinois (on-premises, at least the Dram Shop Act caps), Iowa (amount set by the department), Michigan ($50,000), Minnesota ($50,000/$100,000 bodily injury) and Utah ($1,000,000/$2,000,000).
Source: 235 ILCS 5/6-2(a)(18); Iowa Code § 123.92(2); MCL 436.1803; Minn. Stat. § 340A.409; Utah Code § 32B-5-201
#138 ·
Guides (2): Liquor Liability Insurance Requirements | Dram Shop Guide; Bar Insurance Requirements: Liquor Liability & More
Error: Stated that 38 states plus D.C. (liquor guide) or 43 states (bar guide) have dram shop statutes, and (bar guide) that New Hampshire has no dram shop law and that Louisiana and Nebraska impose no dram shop liability.
Correction: Counts vary by source and method; both guides now cite a dated figure — 37 states imposed liability for serving intoxicated adults as of 2015, and all states except Delaware, Kansas, Maryland, Nevada, South Dakota and Virginia imposed liability for serving minors as of January 2017. New Hampshire has a dram shop statute (RSA 507-F, negligent and reckless service). The unsupported state list was removed.
Source: County Health Rankings & Roadmaps (ChangeLab Solutions; U.S. HHS Report to Congress on underage drinking); N.H. RSA 507-F
#137 ·
Guides (3): Liquor Liability Insurance Requirements | Dram Shop Guide; Bar Insurance Requirements: Liquor Liability & More; Restaurant Insurance Requirements: Complete Coverage Guide
Error: Listed California and Florida among "strong" or "strict" dram shop states where service to a visibly intoxicated person is enough (liquor, restaurant guides), and stated that Illinois claimants must prove willful service, with caps of "$85,000–$130,000" (bar guide).
Correction: California's Bus. & Prof. Code § 25602 shields sellers from civil liability for injuries caused by an intoxicated customer (exception: obviously intoxicated minors), and Florida's § 768.125 bars liability for serving adults except knowingly serving a habitual drunkard. Illinois's Dram Shop Act imposes liability on a licensee that "causes the intoxication", without proof of visible intoxication or willfulness; its caps started at $45,000/$55,000 (injuries after July 1, 1998) and are adjusted annually by CPI.
Source: Cal. Bus. & Prof. Code § 25602; Fla. Stat. § 768.125; 235 ILCS 5/6-21
#136 ·
Guide: Liquor Liability Insurance Requirements | Dram Shop Guide
Error: Described host liquor liability as coverage for "private social hosts — not businesses", said corporate events need separate event coverage, and cited the CGL liquor exclusion as "exclusion (j)" applying to serving "for charge or as a business activity".
Correction: The standard ISO CGL liquor exclusion is exclusion c and "applies only if you are in the business of manufacturing, distributing, selling, serving or furnishing alcoholic beverages." A business outside the alcohol trade serving alcohol incidentally (an office party, a client event) is generally covered for host liquor liability under its CGL policy; private individuals rely on homeowners or renters liability coverage.
Source: ISO CG 00 01, Section I, exclusion c
#135 ·
Guide: Bar Insurance Requirements: Liquor Liability & More
Error: Stated that standard commercial GL policies contain an assault-and-battery exclusion and that excessive-force claims against security staff are excluded under the intentional acts exclusion.
Correction: The standard ISO GL form has no assault-and-battery exclusion, and its expected-or-intended-injury exclusion (exclusion a) expressly does not apply to bodily injury from reasonable force used to protect persons or property. Assault-and-battery exclusions are added by endorsement, which is common on bar policies.
Source: ISO CG 00 01, Section I, exclusion a
#134 ·
Guide: Bar Insurance Requirements: Liquor Liability & More
Error: Stated that workers' compensation is required for all bar employees, that evasion carries back premiums plus a 10%–35% penalty, and that bartenders fall under NCCI class code 9082 "Restaurant, Hotel, or Tavern".
Correction: Workers' compensation is required at the state's employee threshold (1–5 employees in most states; optional in Texas). The 10%–35% penalty had no source and was removed; penalties vary by state. The class code description could not be verified and was removed.
Source: State workers' compensation statutes (see workers-comp-requirements-by-state)
#133 ·
Guides (2): Liquor Liability Insurance Requirements | Dram Shop Guide; Bar Insurance Requirements: Liquor Liability & More
Error: Gave unsourced figures as typical requirements or costs: liquor liability premiums by establishment type, "$3M–$5M" venue requirements, GL and liquor limits of "$500,000–$1,000,000", and assault-and-battery limits of "$300,000–$1,000,000".
Correction: None of these figures had a source and they were removed. The guides now give statutory minimums where they exist (e.g. Utah $1M/$2M) and note that contracts set their own limits.
Source: Utah Code § 32B-5-201
#132 ·
Guides (2): Homeowners Insurance Requirements | Is It Legally Required?; Georgia Homeowners Insurance Requirements | Mortgage & HOA Rules
Error: Stated that mortgage lenders typically require at least $100,000 of personal liability coverage, and (homeowners guide) that Fannie Mae and Freddie Mac require dwelling coverage equal to the lesser of the loan balance or full replacement cost.
Correction: Fannie Mae's property insurance standards for one-to-four-unit homes require coverage on a replacement-cost basis (roofs may be insured at actual cash value), a list of required perils, and a deductible of no more than 5% of the coverage amount. They set no personal liability requirement; the liability limit is generally the homeowner's choice unless an individual lender or HOA sets one.
Source: Fannie Mae Selling Guide B7-3-02 (August 5, 2026)
#131 ·
Guides (2): Homeowners Insurance Requirements | Is It Legally Required?; Georgia Homeowners Insurance Requirements | Mortgage & HOA Rules
Error: Described force-placed insurance as something the servicer may buy as soon as coverage lapses ("within weeks"; reinstating is "the only way" to avoid it), without the federal notice rules.
Correction: Under RESPA's Regulation X, a servicer needs a reasonable basis to believe coverage lapsed and must send two written notices, the first at least 45 days before any charge. It must cancel the force-placed policy within 15 days of proof of coverage and refund any overlap, and for borrowers who escrow insurance it generally must pay the premium from escrow rather than force-place.
Source: 12 CFR § 1024.37; 12 CFR § 1024.17(k)(5)
#130 ·
Guide: Renters Insurance Requirements by State | Landlord Rules Compared
Error: Stated that Oklahoma is the only state that prohibits landlords from requiring renters insurance, making any lease clause requiring it unenforceable.
Correction: Oklahoma has no such law. The current text of Title 41, including the Residential Landlord and Tenant Act (§§ 101–136), contains no provision on renters insurance. The claim appears to trace to Sutton v. Jondahl (1975), which holds that a tenant is an implied co-insured under the landlord's fire policy, so the landlord's insurer cannot subrogate against the tenant absent an express agreement. That is a subrogation rule, not a ban on lease clauses.
Source: Oklahoma Statutes Title 41; Sutton v. Jondahl, 532 P.2d 478 (Okla. Civ. App. 1975)
#129 ·
Guide: Renters Insurance Requirements by State | Landlord Rules Compared
Error: Stated that Oregon caps the liability coverage a landlord can require at $100,000 and bars the landlord from being named a beneficiary of the tenant's policy.
Correction: ORS 90.222 caps required renter's liability coverage at $100,000 per occurrence or the customary amount for similar properties, whichever is greater. It bars requiring "additional insured" or any special status other than interested party, and requiring a particular insurer. The guide now also covers the conditions the page omitted: landlords must carry comparable liability insurance, and tenants at or below 50% of area median income and certain subsidized units are exempt.
Source: ORS 90.222
#128 ·
Guide: Renters Insurance Requirements by State | Landlord Rules Compared
Error: Stated that most states prohibit landlords from steering tenants to a specific insurer, that landlords generally cannot require renters insurance of subsidized tenants unless applied equally, and that most states require the lease to specify a minimum amount for the requirement to be enforceable.
Correction: None of these general rules could be verified and they were removed. The guide now states only what the statutes say: Oregon bars requiring a particular insurer and exempts certain subsidized units (not voucher tenancies), and Virginia guarantees the tenant's right to buy a separate policy.
Source: ORS 90.222; Virginia Code § 55.1-1206
#127 ·
Guide: Flood Insurance Requirements: It's the FEMA Map That Triggers It, Not Your Flood History
Error: Stated that NFIP authority expires on September 30, 2026 unless extended.
Correction: Legislation signed on September 2, 2026 extended NFIP authority to December 11, 2026. During a lapse, FEMA stops selling and renewing policies, while existing policies stay in force.
Source: FEMA, Congressional reauthorization of the NFIP
#126 ·
Guide: Flood Insurance Requirements: It's the FEMA Map That Triggers It, Not Your Flood History
Error: Advised buying flood insurance "well before a closing date" because of the waiting period, and said owners outside high-risk zones can get lower "preferred risk" rates.
Correction: The 30-day waiting period does not apply when coverage is bought in connection with making, increasing, extending or renewing a loan — it takes effect at closing — and a 1-day wait applies in the 13 months after a map revision. The Preferred Risk Policy was retired under Risk Rating 2.0 (new policies from October 1, 2021; fully implemented April 1, 2023).
Source: 44 CFR § 61.11; FEMA, Risk Rating 2.0
#125 ·
Guide: Flood Insurance Requirements: It's the FEMA Map That Triggers It, Not Your Flood History
Error: Said a lender "may" force-place flood insurance if coverage lapses, omitted the required amount of coverage, and attributed the private flood insurance standard to the Flood Insurance Market Parity and Modernization Act.
Correction: If the borrower does not obtain coverage within 45 days of notice, the lender or servicer must purchase it. The required amount is at least the outstanding principal balance or the maximum available, whichever is less. The "at least as broad as" private flood definition is in 42 U.S.C. § 4012a(b)(7), added by the Biggert-Waters Flood Insurance Reform Act of 2012.
Source: 42 U.S.C. § 4012a(b), (e)
#124 ·
Guide: Summer Camp Insurance Requirements | GL & Abuse Coverage Guide
Error: Stated that workers' compensation applies to camps in most states from the first hire, that "more than 15,000" camps operate, and that abuse/molestation coverage is "medically underwritten".
Correction: Workers' compensation applies once the camp reaches its state's threshold (1–5 employees; optional in Texas), and seasonal counselors usually count. The camp count could not be verified and was replaced with the American Camp Association's figure of more than 26 million campers a year; abuse/molestation coverage is underwritten and priced separately from general liability.
Source: State workers' compensation statutes (see workers-comp-requirements-by-state); American Camp Association
#123 ·
Guide: Summer Camp Insurance Requirements | GL & Abuse Coverage Guide
Error: Stated that in many jurisdictions camps must submit proof of liability insurance with their permit application, and that ACA accreditation standards assume adequate liability, abuse and workers' compensation coverage.
Correction: Neither claim could be verified and both were removed. The guide now states the verified permit rules: New York's children's camp permit application is due at least 60 days before arrival (Subpart 7-2), and Massachusetts camps need a local board of health license (105 CMR 430.000).
Source: New York State Department of Health; Massachusetts Department of Public Health
#122 ·
Guides (2): Speech Therapist Insurance Requirements: What Changes the Day You Leave the School District; Physical Therapist Insurance Requirements | Malpractice & Practice Guide
Error: Stated in the title, summary, verdict and body (speech therapist) and in the body and sources (physical therapist) that Medicare provider enrollment — Form CMS-855I — requires proof of active malpractice insurance, and cited a CMS "professional liability insurance requirement".
Correction: The CMS-855I enrollment application lists its required supporting documentation in Section 12 — adverse legal action records, the participation agreement, electronic funds transfer authorization and IRS documents — and malpractice insurance is not among them. Employers, commercial payers' credentialing, leases and referral sources are what commonly require it.
Source: CMS, Form CMS-855I (05/23), Section 12
#121 ·
Guide: Speech Therapist Insurance Requirements: What Changes the Day You Leave the School District
Error: Called the interstate licensing compact "SLPAC", said licensing boards that require insurance use a $1M/$3M standard, and said hospital contracts often specify $2M/$6M.
Correction: The compact is the Audiology & Speech-Language Pathology Interstate Compact (ASLP-IC): 37 jurisdictions have enacted it, and Louisiana, Ohio, Tennessee and West Virginia are issuing privileges. The board and hospital-contract figures could not be verified and were removed.
Source: ASLP-IC Commission; ASHA
#120 ·
Guide: Laundromat Insurance Requirements: The Three Gaps That Leave Owners Paying Out of Pocket
Error: Stated that workers' compensation is required from the first employee "in virtually every state", gave a "back premiums plus 10%–35%" penalty, and assigned laundromats NCCI class code 2586 ("laundry establishments").
Correction: Workers' compensation applies once the state's employee threshold is reached (1–5 employees; optional in Texas). The penalty figure could not be verified and was removed. NCCI 2586 is a cleaning-or-dyeing classification; the class code depends on the operation and is assigned by the insurer.
Source: State workers' compensation statutes (see workers-comp-requirements-by-state)
#119 ·
Guide: Laundromat Insurance Requirements: The Three Gaps That Leave Owners Paying Out of Pocket
Error: Stated that standard commercial property covers theft of coins subject to a low cash sublimit (for example $1,000).
Correction: The standard commercial property form lists money and securities as property not covered, and a basic businessowners policy excludes them unless money-and-securities coverage is added; coin-box theft is covered by crime insurance or that add-on.
Source: Insurance Information Institute; ISO building and personal property coverage form (via IRMI)
#118 ·
Guide: Laundromat Insurance Requirements: The Three Gaps That Leave Owners Paying Out of Pocket
Error: Described perchloroethylene as classified by EPA as a "probable human carcinogen" and did not mention EPA's 2024 rule on its use in dry cleaning.
Correction: EPA's IRIS assessment classifies PCE as "likely to be carcinogenic to humans". EPA's December 2024 TSCA rule bans PCE in newly acquired dry-cleaning machines after six months and phases it out of dry cleaning over ten years; EPA opened a reconsideration in July 2025.
Source: U.S. EPA IRIS; U.S. EPA, Risk Management for Perchloroethylene under TSCA
#117 ·
Guide: Special Event Insurance Requirements: The Certificate Organizers Check Before They Assign Your Booth
Error: Stated that serving alcohol at an event requires "host liquor liability", which a general liability policy does not include.
Correction: The standard commercial general liability form covers host liquor liability for alcohol served at functions incidental to a business. It excludes businesses that make, sell, serve or furnish alcohol, and many insurers extend that exclusion by endorsement, so a vendor or organizer selling alcohol usually needs separate liquor liability coverage. Permits can set the limit — Seattle requires $2,000,000 ($1,000,000 for nonprofits).
Source: IRMI (CGL liquor liability exclusion); Insurance Information Institute; City of Seattle Special Events Office
#116 ·
Guide: Special Event Insurance Requirements: The Certificate Organizers Check Before They Assign Your Booth
Error: Cited "International Association of Fairs and Expositions vendor and exhibitor insurance standards" as a source, and stated that essentially no organizer or municipality accepts self-insurance.
Correction: Neither claim could be verified and both were removed; the guide now cites the City of Seattle's published special event insurance requirements as a concrete example.
Source: City of Seattle Special Events Office
#115 ·
Guide: Massage Therapist Insurance Requirements: Why the Spa's Policy Doesn't Cover You
Error: Stated that Florida, Texas and New York tie insurance to massage therapy licensing, and that "many" licensing boards require it without naming them.
Correction: Ten states make liability insurance a condition of the massage license: Alabama ($1M professional and general), Colorado ($50K/$300K), Connecticut ($500K/$1M), Georgia ($1M/$3M), Indiana ($2M/$6M), Massachusetts ($1M/$1M), Missouri and Oklahoma (proof required), South Dakota ($250K) and Wisconsin ($1M/$1M). New Jersey requires $1M/$3M of registered massage employers. Florida, Texas and New York are not among them.
Source: Ala. Admin. Code r. 532-X-3; C.R.S. § 12-235-116; C.G.S. § 20-206i; O.C.G.A. § 43-24A-8; IC 25-21.8-6-2; 269 CMR 3.01; 20 CSR 2197-3.010; SDCL 36-35-12; Wis. Stat. § 460.05; N.J.S.A. 45:11-76
#114 ·
Guide: Massage Therapist Insurance Requirements: Why the Spa's Policy Doesn't Cover You
Error: Stated that workers' compensation becomes mandatory the moment a massage therapist takes on a first employee, and that AMTA and ABMP bundles cost under $200 a year.
Correction: Workers' compensation applies once the state's employee threshold is reached, which ranges from one to five employees; Texas makes it optional. AMTA and ABMP both include $2 million per occurrence / $6 million aggregate liability with membership; the price claim could not be verified on either association's site and was removed, along with the unsourced cost tables.
Source: State workers' compensation statutes (see workers-comp-requirements-by-state); AMTA; ABMP
#113 ·
Guide: DOT Insurance Requirements: $750K to $5M by Cargo, MCS-90 and BMC-91
Error: Our 30 September 2026 correction of this guide stated that there is no federal insurance minimum for non-hazardous freight in vehicles under 10,001 lbs.
Correction: A for-hire carrier with operating authority whose fleet includes only vehicles under 10,001 lbs GVWR must file security of $300,000. The $750,000 minimum applies at 10,001 lbs and up; private carriers of their own non-hazardous goods remain outside the minimums.
Source: 49 CFR § 387.303(b)(1)
#112 ·
Guides (3): Tow Truck Insurance Requirements | FMCSA & State Rules; Moving Company Insurance Requirements | FMCSA & State Rules; Junk Removal Insurance Requirements: What Operators Need
Error: Described the MCS-90 endorsement as the document insurers file with FMCSA to activate a carrier's authority.
Correction: The MCS-90 is an endorsement on the policy, kept at the carrier's principal place of business as proof of financial responsibility. The insurer files a BMC-91 or BMC-91X certificate with FMCSA (and a BMC-34 for household goods cargo).
Source: 49 CFR §§ 387.7(d), 387.313
#111 ·
Guide: Owner-Operator Insurance Requirements: Complete DOT Guide
Error: Stated that hazardous materials requiring placards need $5,000,000, that household goods movers have a lower $300,000 minimum "due to limited cargo value", and gave the $1,500,000 passenger tier as 1–15 passengers.
Correction: Oil and most hazardous materials need $1,000,000; $5,000,000 applies to specific bulk loads, explosives and radioactive shipments. $300,000 is the minimum for a for-hire fleet of only vehicles under 10,001 lbs, not a household goods tier; household goods carriers also file cargo security of $5,000 per vehicle and $10,000 per occurrence. Passenger tiers turn on seating capacity including the driver: 15 or fewer, or 16 or more.
Source: 49 CFR §§ 387.9, 387.303(b)–(c), 387.33
#110 ·
Guide: Owner-Operator Insurance Requirements: Complete DOT Guide
Error: Stated that the insurer files a "BMC-90" notice of cancellation and that authority "suspends after 30 days", and gave fixed processing times for MC numbers (10 business days), filings (3–7 days) and activation (18–25 days).
Correction: The insurer files a BMC-35 notice, and the filing can't be cancelled until 30 days after it. Insurance and the BOC-3 must be filed within 90 days of the application's publication in the FMCSA Register; the fixed processing times could not be verified and were removed.
Source: 49 CFR §§ 387.313, 365.109
#109 ·
Guide: Moving Company Insurance Requirements | FMCSA & State Rules
Error: Stated that household goods movers with vehicles under 10,001 lbs need $750,000, that interstate movers must keep a $10,000 surety bond (BMC-84) or trust fund (BMC-85) (also in the summary and meta description), and that released value at $0.60 per pound is the federal minimum while full value protection is optional.
Correction: A for-hire fleet of only vehicles under 10,001 lbs needs $300,000. Movers file cargo security of $5,000 per vehicle and $10,000 per occurrence; the $75,000 BMC-84/BMC-85 security applies to brokers and freight forwarders. Full replacement-value liability is the default for interstate household moves, and a released per-pound rate applies only if the customer waives full value in writing.
Source: 49 CFR §§ 387.303(b)–(c), 387.307, 375.201; 49 U.S.C. § 13906
#108 ·
Guide: Tow Truck Insurance Requirements | FMCSA & State Rules
Error: Stated that the $750,000 federal minimum applies to driveaway-towaway service regardless of vehicle size.
Correction: $750,000 applies to for-hire carriers operating vehicles of 10,001 lbs or more in interstate commerce; a for-hire carrier whose fleet has only vehicles under 10,001 lbs needs $300,000. The regulations contain no driveaway-towaway rule of that kind.
Source: 49 CFR §§ 387.9, 387.303(b)
#107 ·
Guide: FMCSA Insurance Requirements | Carrier Minimums & Filing
Error: Stated in the summary that authority is suspended the moment the BMC-91 filing lapses, described the BMC-91X as a self-insurance form, gave penalties of up to $16,000 per day for operating without authority or with a lapsed filing and $10,000 for brokers without a bond, stated household goods cargo security as $5,000 per shipment, and gave a Florida intrastate minimum of $100,000/$300,000.
Correction: The BMC-91X is a certificate representing full or aggregated coverage; self-insurance is a separate authorization. Operating without required authority carries a minimum penalty of $13,676 per violation for property carriers ($34,116 for passenger carriers) and an out-of-service order; failing to maintain the minimums, up to $21,114 a day; brokers, up to $13,676 per violation. Household goods cargo security is $5,000 per vehicle and $10,000 per occurrence. The Florida row could not be verified and was removed.
Source: 49 CFR §§ 387.313, 387.303(c), 392.9a; 49 CFR Part 386, Appendix B
#106 ·
Guide: Workers' Compensation Requirements by State | Employer Thresholds
Error: Listed Michigan (and, on one guide, Wisconsin, Virginia, Georgia, Missouri and New Mexico) as requiring workers' comp from the first employee, gave Arkansas as two employees, and said most remaining states require it at one employee.
Correction: Michigan requires coverage at 3 employees, or 1 employee working 35+ hours a week for 13 weeks; Wisconsin at 3 employees or $500 of wages in a quarter; Virginia, Georgia, North Carolina and New Mexico at 3; Arkansas at 3 (2 in building work, 1 for subcontractors); Missouri at 5 (1 in construction). The guides now list only states checked against statute or the state agency.
Source: MCL 418.115; Wisconsin DWD; Va. Code § 65.2-101; Georgia SBWC; NMSA § 52-1-6; Ark. Code § 11-9-102; RSMo § 287.030
#105 ·
Guide: Workers' Compensation Requirements by State | Employer Thresholds
Error: Stated that Georgia and North Carolina require construction employers to carry workers' comp from the first employee, and that Georgia exempts farms with fewer than 10 employees.
Correction: Georgia and North Carolina apply their three-employee thresholds to construction as well. Georgia excludes farm laborers entirely; North Carolina covers farm workers once there are 10 or more full-time, non-seasonal employees. Alabama, which the guide treated as a flat five-employee state, requires coverage for builders of new single-family homes regardless of size.
Source: Georgia SBWC; G.S. § 97-2; NC Industrial Commission; Ala. Code § 25-5-50
#104 ·
Guide: Workers' Compensation Requirements by State | Employer Thresholds
Error: Stated that California requires coverage for household workers employed 52 or more hours a week (or a quarter), that New York requires it for all domestic workers, and that New Jersey requires it only for full-time domestic workers.
Correction: California requires coverage for a household worker employed 52 or more hours, or paid $100 or more, in the 90 days before an injury. New York requires it when a domestic worker is employed 40 or more hours a week by the same employer. The New Jersey row could not be confirmed and was removed.
Source: Cal. Lab. Code § 3352; New York Workers' Compensation Board
#103 ·
Guide: Workers' Compensation Requirements by State | Employer Thresholds
Error: Gave California's penalty for being uninsured as a fine of up to $100,000, Illinois's as $500 a day (per uninsured employee on one guide), and on one guide a Pennsylvania penalty of $2,500 plus $1,000 a day.
Correction: California issues a stop order and a $1,500-per-employee penalty, or if uninsured for more than a week the greater of twice the unpaid premium or $1,500 per employee; $100,000 is a cap on some of those assessments. Illinois can assess up to $500 a day with a $10,000 minimum for knowing and willful failure. The Pennsylvania figure could not be verified and was removed.
Source: Cal. Lab. Code § 3722; 820 ILCS 305/4(d)
#102 ·
Guide: Workers' Compensation Requirements by State | Employer Thresholds
Error: Stated that roughly 30% of Texas private employers opt out of workers' comp and that non-subscribers must report injuries to the state.
Correction: The Texas Department of Insurance estimated 24% of employers were non-subscribers in 2024, employing 13% of workers. Non-subscribers must notify the Division of Workers' Compensation of their election (Tex. Lab. Code § 406.004); the injury-reporting claim was removed pending verification.
Source: Texas Department of Insurance 2024 biennial report; Tex. Lab. Code §§ 406.002, 406.004, 406.033
#101 ·
Guide: Workers' Compensation Requirements by State | Employer Thresholds
Error: Listed twelve states as running competitive state workers' comp funds, stated that Nebraska explicitly excludes agricultural employees, and described Florida's farm exemption as "seasonal agricultural workers with fewer than 6 employees".
Correction: The competitive-fund list could not be verified (several of the named funds have been converted to private mutual insurers) and was removed. Nebraska exempts agricultural employers unless they employ 10 or more unrelated full-time employees for 13 weeks in a year. Florida excludes farm labor where the farmer has 5 or fewer regular employees.
Source: Neb. Rev. Stat. § 48-106; Fla. Stat. § 440.02(17)
#100 ·
Guide: DOT Insurance Requirements: $750K to $5M by Cargo, MCS-90 and BMC-91
Error: Stated in the title and body that insurers file Form MCS-90 with FMCSA to obtain operating authority, and described Form BMC-91 as a surety bond.
Correction: The MCS-90 is an endorsement on the policy, kept as proof at the carrier's principal place of business (the MCS-82 if bonded). What the insurer files with FMCSA for operating authority is the BMC-91 or BMC-91X certificate of insurance. Title and summary corrected.
Source: 49 CFR §§ 387.7(d), 387.15, 387.313
#99 ·
Guide: DOT Insurance Requirements: $750K to $5M by Cargo, MCS-90 and BMC-91
Error: Stated that any hazardous load requiring placards needs $5,000,000, and that oil is lower "due to frequency of transport".
Correction: Oil and hazardous materials not in the top entries need $1,000,000. $5,000,000 applies to hazardous substances in bulk tanks or hoppers, bulk Division 1.1–1.3 explosives, bulk Division 2.1, 2.2 and 2.3 (Zone A) gases, bulk Division 6.1 Packing Group I Zone A material, and highway-route-controlled radioactive material.
Source: 49 CFR § 387.9
#98 ·
Guide: DOT Insurance Requirements: $750K to $5M by Cargo, MCS-90 and BMC-91
Error: Gave the $1,500,000 passenger tier as vehicles carrying 8 or more (or 8–15) passengers.
Correction: The passenger tiers turn on seating capacity including the driver: $1,500,000 for 15 or fewer and $5,000,000 for 16 or more, for for-hire interstate passenger carriers.
Source: 49 CFR §§ 387.27, 387.33
#97 ·
Guide: DOT Insurance Requirements: $750K to $5M by Cargo, MCS-90 and BMC-91
Error: Listed private carriers operating in interstate commerce, brokers and freight forwarders as subject to the liability minimums, and said cargo insurance is not federally required at all.
Correction: The property minimums apply to for-hire carriers and to any carrier of hazardous materials; a private carrier of non-hazardous goods is outside them. Property brokers instead need a $75,000 surety bond (BMC-84) or trust fund (BMC-85). Cargo insurance is federally required for household goods carriers.
Source: 49 CFR §§ 387.3, 387.301, 387.307
#96 ·
Guide: DOT Insurance Requirements: $750K to $5M by Cargo, MCS-90 and BMC-91
Error: Gave the penalty for operating without insurance as up to $16,000 per violation with an immediate out-of-service order, and said FMCSA is notified within 35 days of a cancellation.
Correction: Failing to maintain the Part 387 minimums carries a maximum civil penalty of $21,114, and each day of a continuing violation is a separate offense. The insurer and carrier must give each other 35 days' notice to cancel; a BMC-91 filing cannot be cancelled until 30 days after a BMC-35 notice to FMCSA. The out-of-service claim could not be verified and was removed.
Source: 49 CFR Part 386, Appendix B; 49 CFR §§ 387.7(b), 387.313
#95 ·
Guide: DOT Insurance Requirements: $750K to $5M by Cargo, MCS-90 and BMC-91
Error: Stated that new for-hire authorities must wait 20–30 days, and gave premium and cost figures and named specific insurers.
Correction: Insurance and the BOC-3 must be filed within 90 days of the application's publication in the FMCSA Register, and the registration fee is $300. The 20–30-day wait, the cost tables and the insurer names could not be verified and were removed.
Source: 49 CFR §§ 365.109, 360.3(f)
#94 ·
Guide: South Carolina Auto Insurance Requirements: Minimum Coverage
Error: Stated in the verdict, facts and body that uninsured AND underinsured motorist coverage are mandatory and cannot be rejected, and gave the mandatory uninsured motorist limit as 25/50.
Correction: Uninsured motorist coverage is mandatory on every policy at no less than 25/50/25, including property damage (the insurer may exclude the first $200). Underinsured motorist coverage is optional: insurers must offer it up to the liability limits, at the option of the insured.
Source: S.C. Code §§ 38-77-150, 38-77-160
#93 ·
Guide: South Carolina Auto Insurance Requirements: Minimum Coverage
Error: Gave penalty tables for driving uninsured of a $100 fine and up to 30 days of license suspension (first), $200–$400 and 60 days (second), $400–$600 and 90 days (third), reinstatement fees of $200–$550, and a minimum one-year suspension with immediate impoundment after an uninsured accident.
Correction: Operating an uninsured vehicle is punished by a $100–$200 fine or 30 days in jail (first), a $200 fine or 30 days or both (second), and 45 days to 6 months in jail (third or later), and SCDMV suspends the license, registrations and plates. A lapse on a registered vehicle costs $5 a day (capped at $200 per vehicle for a first offense) and a $200 reinstatement fee, waived if the plate is surrendered before suspension.
Source: S.C. Code §§ 56-10-520, 56-10-240, 56-10-245
#92 ·
Guide: South Carolina Auto Insurance Requirements: Minimum Coverage
Error: Described an electronic monitoring timeline in which SCDMV sends a notice on day 16 and suspends on day 46 after a lapse.
Correction: Insurers must report a cancellation to SCDMV within 15 days, electronically or on a department form, and SCDMV then suspends the owner's driving privileges, plate and registration unless the vehicle is insured or the plate surrendered. The day-16/day-46 timeline could not be verified and was removed.
Source: S.C. Code §§ 56-10-551, 56-10-240
#91 ·
Guide: South Carolina Auto Insurance Requirements: Minimum Coverage
Error: Stated that about 12% of South Carolina drivers are uninsured, above the national average.
Correction: The Insurance Research Council estimated 10.3% of South Carolina motorists were uninsured in 2023 (39th), below the national estimate of 15.4%.
Source: Insurance Research Council, via Insurance Information Institute Facts + Statistics: Uninsured motorists
#90 ·
Guide: South Carolina Auto Insurance Requirements: Minimum Coverage
Error: Stated that comprehensive auto insurance covers wind damage but not flooding, and that flood damage to a car requires separate flood insurance.
Correction: Flood damage to a car, including storm surge, is covered under the optional comprehensive portion of an auto policy.
Source: Insurance Information Institute, Facts about flood insurance
#89 ·
Guide: South Carolina Auto Insurance Requirements: Minimum Coverage
Error: Stated that any lapse restarts a 3-year SR-22 period, listed 12 points and multiple moving violations as SR-22 triggers, gave point values for offenses, and said judgment creditors can garnish up to 25% of wages.
Correction: Proof of financial responsibility may be cancelled three years after it was required if there is no disqualifying conviction in that period. The restart rule, the point values, the SR-22 trigger list and the garnishment figure could not be verified and were removed.
Source: S.C. Code § 56-9-620
#88 ·
Guide: New Jersey Commercial Truck Insurance Requirements
Error: Described DOBI Bulletin 25-06 as a follow-up clarification for carriers running mixed intrastate and interstate routes.
Correction: Bulletin 25-06 concerns the P.L. 2022, c.87 auto minimums (35/70/25 from 1 January 2026). The scope guidance is a separate DOBI statement quoting the Motor Vehicle Commission: the new limits do not apply to vehicles registered, or IRP base-plated, outside New Jersey. It does not settle the position of New Jersey-based trucks that also run interstate.
Source: NJ DOBI Bulletin 25-06; NJ DOBI statement on Bulletin 24-07
#87 ·
Guide: New Jersey Commercial Truck Insurance Requirements
Error: Stated that driving uninsured or underinsured leads to a $300–$1,000 fine and up to one year of registration suspension (first), $500–$5,000 and up to two years (subsequent), and that underinsuring is enforced exactly like being uninsured.
Correction: N.J.S.A. 39:6B-2 sets a $300–$1,000 fine, community service and a one-year loss of the right to drive for a first offense, and a fine up to $5,000, 14 days in jail, 30 days of community service and a two-year loss for a subsequent offense. Whether an in-force policy below the new limits counts as uninsured is not addressed in DOBI guidance, so that claim was removed.
Source: N.J.S.A. 39:6B-2; NJ MVC Uninsured Motorist Enforcement FAQ
#86 ·
Guide: New Jersey Commercial Truck Insurance Requirements
Error: Gave the for-hire passenger tiers as $1.5 million for vehicles carrying 8 or more passengers and $5 million for 16 or more, and omitted autocabs from the $1.5 million tier.
Correction: Federal passenger-carrier levels are $1.5 million for vehicles seating 15 or fewer including the driver and $5 million for 16 or more. P.L. 2023, c.276 puts autocabs in the same $1.5 million tier as trucks of 26,001 lbs GVWR and over.
Source: 49 CFR § 387.33; NJ DOBI Bulletin 24-07
#85 ·
Guide: New Jersey Commercial Truck Insurance Requirements
Error: Called New Jersey the first state and the only state with a heavy-truck minimum this high, stated the federal minimum has not changed since 1985, and cited a pending U.S. House bill and an FMCSA statement.
Correction: These claims could not be verified against a primary source and were removed. The page now states only the federal $750,000 general-freight level (49 CFR 387.9) and New Jersey's tiers.
Source: 49 CFR § 387.9; NJ DOBI Bulletin 24-07
#84 ·
Guide: Washington Motorcycle Insurance Requirements: 25/50/10 & Universal Helmet Law
Error: Stated in the summary, verdict and body that Washington automatically includes uninsured motorist coverage on every motorcycle policy, removable only by a written rejection.
Correction: Washington's default underinsured/uninsured motorist rule applies to auto policies and expressly excludes injuries suffered while operating or occupying a motorcycle or motor-driven cycle. A rider has to ask for UIM on a motorcycle policy.
Source: RCW 48.22.030(2)
#83 ·
Guides (2): Washington Auto Insurance Requirements: 25/50/10 and the UM Coverage You Have to Reject in Writing; Washington Motorcycle Insurance Requirements: 25/50/10 & Universal Helmet Law
Error: Stated that Washington electronically verifies insurance and automatically suspends a vehicle registration when coverage lapses, and that insurance must be kept continuously while a motorcycle is registered.
Correction: Washington has no insurance verification system and DOL has no current authority to verify coverage; the duty to be insured applies to operating a vehicle. Bills to create a verification system (SB 5326 in 2023–24, SB 5864 in 2026) did not pass.
Source: RCW 46.30.020; Senate Bill Report SB 5326 (2023); SB 5864 bill status
#82 ·
Guide: Washington Auto Insurance Requirements: 25/50/10 and the UM Coverage You Have to Reject in Writing
Error: Stated that the fine for driving uninsured is $450.
Correction: The Department of Licensing says the fine for driving without the required insurance can be $550 or more.
Source: Washington DOL, Mandatory insurance
#81 ·
Guides (2): Washington Auto Insurance Requirements: 25/50/10 and the UM Coverage You Have to Reject in Writing; Washington Motorcycle Insurance Requirements: 25/50/10 & Universal Helmet Law
Error: Stated that driving uninsured requires an SR-22 for 3 years, that an uninsured at-fault crash leads to revocation until damages are paid, and that the SR-22 period runs 3 years from the triggering event.
Correction: After an uninsured collision, the license is suspended unless within 60 days the driver shows insurance, obtains releases or a settlement, deposits security or shows non-liability; the suspension lasts until resolved or 3 years from the collision. An SR-22 is required after certain suspensions, convictions or unpaid judgments, in most cases for 3 years from the date the driver is eligible to reinstate.
Source: Washington DOL, Financial Responsibility Law; Washington DOL, Financial responsibility (SR-22)
#80 ·
Guides (2): Washington Auto Insurance Requirements: 25/50/10 and the UM Coverage You Have to Reject in Writing; Washington Motorcycle Insurance Requirements: 25/50/10 & Universal Helmet Law
Error: Stated that about 17% (or 16–18%) of Washington drivers are uninsured.
Correction: The Insurance Research Council estimated that 19.1% of Washington motorists were uninsured in 2023, the 10th-highest rate.
Source: Insurance Research Council, via Insurance Information Institute Facts + Statistics: Uninsured motorists
#79 ·
Guide: Washington Motorcycle Insurance Requirements: 25/50/10 & Universal Helmet Law
Error: Cited RCW 46.29 as the source of the insurance requirement, stated that sunglasses alone never satisfy the eye-protection rule, gave a $136 helmet fine, and said insurers must give 45 days' notice before cancelling.
Correction: The duty to be insured is RCW 46.30.020 (RCW 46.29 is the financial responsibility law). RCW 46.37.530 requires glasses, goggles or a face shield conforming to State Patrol rules when the motorcycle has no windshield. The helmet fine and the 45-day figure could not be verified and were removed; RCW 48.18.290 sets 60 days for policies it covers.
Source: RCW 46.30.020; RCW 46.37.530; RCW 48.18.290
#78 ·
Guide: Virginia Boat Insurance Requirements | Chesapeake Bay & Smith Mountain Guide
Error: Stated that boater safety education is required only for operators born after January 1, 1988.
Correction: Since 1 July 2016 the requirement applies to operators of every age: anyone operating a motorboat with a motor of 10 horsepower or more, or any personal watercraft, must meet it.
Source: Va. Code § 29.1-735.2
#77 ·
Guide: Virginia Boat Insurance Requirements | Chesapeake Bay & Smith Mountain Guide
Error: Stated that sailboats over 18 feet are registered with DWR.
Correction: Every watercraft propelled by machinery must be both titled and registered; a sail-powered boat with no motor over 18 feet needs a title only. Registrations last three years.
Source: Virginia DWR, Watercraft Owner's Guide
#76 ·
Guide: Virginia Boat Insurance Requirements | Chesapeake Bay & Smith Mountain Guide
Error: Described a second BUI within 10 years as carrying a mandatory minimum fine and a BUI after a prior DUI as carrying enhanced penalties, and said BUI convictions are reported to a DWR database available to insurers.
Correction: BUI is a Class 1 misdemeanor (up to 12 months and/or $2,500). On conviction the court must order the person not to operate a watercraft for 12 months, or three years for a second conviction within ten years. The mandatory-fine, prior-DUI and database claims could not be verified and were removed.
Source: Va. Code §§ 29.1-738, 29.1-738.4, 18.2-11
#75 ·
Guide: Virginia Boat Insurance Requirements | Chesapeake Bay & Smith Mountain Guide
Error: Stated that Chesapeake Bay, Hampton Roads and Smith Mountain Lake marinas uniformly require $300,000–$500,000 of liability cover, placed Crisfield (Maryland) on Virginia's Eastern Shore, called the Bay the largest estuary in North America and Smith Mountain Lake Virginia's largest lake.
Correction: No state rule sets a marina liability figure; each marina sets its own requirement in its slip agreement. Crisfield was removed. The Chesapeake is the largest estuary in the United States, and Smith Mountain Lake is the largest lake wholly within Virginia.
Source: NOAA National Ocean Service; Smith Mountain Lake Regional Chamber of Commerce
#74 ·
Guide: Virginia Boat Insurance Requirements | Chesapeake Bay & Smith Mountain Guide
Error: Stated that Coast Guard financial responsibility requirements apply to charter vessels carrying paying passengers, and that inspection applies to vessels carrying 6 or more passengers.
Correction: A vessel under 100 gross tons must be Coast Guard-inspected when it carries more than six passengers, at least one for hire. The financial-responsibility claim was removed.
Source: 46 CFR § 175.110
#73 ·
Guide: Wisconsin Boat Insurance Requirements: No State Mandate, But Marinas Set Their Own
Error: Stated in the title, summary, verdict and body that Door County, Lake Geneva and other Wisconsin marinas require $300,000–$500,000 of liability cover, and that Chicago Park District harbors require $500,000–$1,000,000.
Correction: No state rule sets a marina liability figure; each marina sets its own requirement in its slip agreement. The figures and the neighbouring-state marina table were removed.
Source: Wisconsin DNR boat registration and titling information
#72 ·
Guide: Wisconsin Boat Insurance Requirements: No State Mandate, But Marinas Set Their Own
Error: Stated that a first boating-under-the-influence offense carries a fine up to $1,000 and licence suspension, a subsequent offense up to $3,000, and that causing injury is a Class H felony.
Correction: A first violation is a civil forfeiture of $150–$300. With one prior conviction in five years the penalty is a $300–$1,000 fine and 5 days to 6 months in jail, rising to mandatory jail of up to a year for further repeats. Causing injury carries a $300–$2,000 fine and possible jail; causing a death is homicide by intoxicated use of a vehicle, a Class D felony.
Source: Wis. Stat. §§ 30.80(6), 30.681, 940.09, 939.22(44)
#71 ·
Guide: Wisconsin Boat Insurance Requirements: No State Mandate, But Marinas Set Their Own
Error: Stated that the nearest Coast Guard station is more than 50 miles from the Apostle Islands.
Correction: Coast Guard Station Bayfield sits in Bayfield and its area of responsibility covers the Apostle Islands National Lakeshore.
Source: U.S. Coast Guard, Station Bayfield
#70 ·
Guide: Wisconsin Boat Insurance Requirements: No State Mandate, But Marinas Set Their Own
Error: Stated that a title is required for all motorboats over 16 feet, all sailboats and all personal watercraft, and that boater education applies to operators born after January 1, 1989.
Correction: A boat 16 feet or longer needs a title and shorter boats are exempt. Boater safety certification applies to operators born on or after January 1, 1989.
Source: Wisconsin DNR, boat registration and titling; Wisconsin DNR, before you operate your boat
#69 ·
Guide: Wisconsin Boat Insurance Requirements: No State Mandate, But Marinas Set Their Own
Error: Stated that the Coast Guard requires fishing guides and vessels carrying any paying passenger to hold a Certificate of Inspection and demonstrate financial responsibility through insurance or a bond.
Correction: Coast Guard inspection applies to a vessel under 100 gross tons carrying more than six passengers, at least one for hire. The financial-responsibility claim was removed.
Source: 46 CFR § 175.110
#68 ·
Guide: Kansas Boat Insurance Requirements | Milford Lake & Tuttle Creek Guide
Error: Stated that boater education is required for operators born after July 1, 1988.
Correction: A boater education certificate is required for anyone born on or after January 1, 1989 to operate a motorboat or sailboat. It does not apply to persons 21 or older, or to operators under the direct and audible supervision of a certified or exempt person over 17.
Source: K.S.A. 32-1139
#67 ·
Guide: Kansas Boat Insurance Requirements | Milford Lake & Tuttle Creek Guide
Error: Cited K.S.A. 32-1126 as the boating-under-the-influence statute, and stated that a third BUI within five years is a felony carrying fines up to $5,000 and one to three years in prison.
Correction: BUI is K.S.A. 32-1131 (.08, or .02 under 21) and is a misdemeanor on every conviction: up to one year and/or a $100–$500 fine for a first, 90 days to one year for a second or later. K.S.A. 32-1126 governs capacity plates.
Source: K.S.A. 32-1131; K.S.A. 32-1126
#66 ·
Guide: Kansas Boat Insurance Requirements | Milford Lake & Tuttle Creek Guide
Error: Stated that BUI convictions are cross-reported to the DMV and appear on the driving record.
Correction: The verified link is that a BUI conviction at any point in a person's lifetime counts as a prior conviction when a later DUI is sentenced.
Source: K.S.A. 8-1567(i)(2)(B)
#65 ·
Guide: Kansas Boat Insurance Requirements | Milford Lake & Tuttle Creek Guide
Error: Stated that vessels are registered annually and that non-motorized vessels under 12 feet are exempt.
Correction: A Kansas certificate of number lasts three years, and numbering applies to mechanically propelled and sailing vessels regardless of length.
Source: K.S.A. 32-1111(g); K.S.A. 32-1110
#64 ·
Guide: Kansas Boat Insurance Requirements | Milford Lake & Tuttle Creek Guide
Error: Stated that marinas at Milford, Tuttle Creek, Perry, Clinton, El Dorado, Cheney and Pomona require $300,000–$500,000 of liability cover under Corps of Engineers or KDWP permits.
Correction: No state or federal rule sets a marina liability figure; each marina sets its own requirement in its slip agreement.
Source: USACE Kansas City and Tulsa District lake pages; KDWP Boating Regulations Summary 2025
#63 ·
Guide: Kansas Boat Insurance Requirements | Milford Lake & Tuttle Creek Guide
Error: Stated that Milford Lake is 16,200 acres, Tuttle Creek 15,800 and Perry 12,200; that El Dorado is a state-managed lake under the Kansas Water Office; and that Cheney Reservoir is owned by the City of Wichita.
Correction: Milford is 15,700 surface acres and Perry 11,150; the Tuttle Creek figure was removed because the Corps' published figures conflict. El Dorado is a Corps of Engineers (Tulsa District) lake with KDWP-run recreation, and Cheney was built by the Bureau of Reclamation and is operated by the City of Wichita.
Source: USACE Kansas City District (Milford, Perry); USACE Tulsa District (El Dorado); U.S. Bureau of Reclamation, Wichita Project
#62 ·
Guide: Tennessee Boat Insurance Requirements | TVA Lakes & Kentucky Lake Guide
Error: Stated that TWRA issues titles for all motorized watercraft.
Correction: Boats are not titled in Tennessee. TWRA registers all mechanically powered vessels (including electric trolling motors) and sailboats principally used in the state.
Source: Tennessee Wildlife Resources Agency, Boating
#61 ·
Guide: Tennessee Boat Insurance Requirements | TVA Lakes & Kentucky Lake Guide
Error: Stated that a first boating-under-the-influence offence carries a fine up to $2,500 and licence suspension, and described later offences only as a mandatory minimum fine.
Correction: For offences on or after 1 July 2021, BUI carries mandatory jail: at least 48 consecutive hours for a first offence (7 days at 0.20% BAC or more), 45 days for a second and 120 days for a third. A fourth offence is a felony with a 150-day minimum.
Source: T.C.A. § 69-9-219(c)(1) as amended by Tenn. Pub. Ch. 434 (2021)
#60 ·
Guide: Tennessee Boat Insurance Requirements | TVA Lakes & Kentucky Lake Guide
Error: Stated that TVA marina permit agreements uniformly require $300,000–$500,000 of liability cover, including a $300,000 minimum at Kentucky Lake and Lake Barkley marinas.
Correction: No TVA, Corps of Engineers or state rule sets a slip liability figure; each marina sets its own requirement in its slip lease.
Source: TVA Kentucky Reservoir; USACE Nashville District lake pages; TWRA
#59 ·
Guide: Tennessee Boat Insurance Requirements | TVA Lakes & Kentucky Lake Guide
Error: Described Kentucky Lake and Lake Barkley as the two largest TVA reservoirs, and listed Wheeler and Wilson among TVA reservoirs in Tennessee.
Correction: Lake Barkley is a Corps of Engineers (Nashville District) lake. Kentucky Lake is TVA's, 184 miles long and described by TVA as the largest reservoir in the eastern United States. Wheeler and Wilson are in Alabama.
Source: TVA Kentucky Reservoir; USACE Nashville District, Lake Barkley
#58 ·
Guide: States That Require Uninsured Motorist Coverage
Error: The table of states that mandate uninsured motorist (UM) coverage left out Nebraska, New Jersey and D.C., and misstated whether underinsured cover in South Carolina and Wisconsin, and supplementary cover in New York, can be declined.
Correction: Rebuilt: 20 states plus D.C. mandate UM. South Carolina and Wisconsin must only offer underinsured cover, and New York supplementary cover can be waived.
Source: Neb. Rev. Stat. §44-6408; N.J. DOBI Bulletin 22-09; D.C. Code §31-2406
#57 ·
Guides (2): New Mexico Auto Insurance Requirements: Minimum Coverage; New Mexico Motorcycle Insurance Requirements | 25/50/10 & 21% Uninsured Rate
Error: Misdescribed how uninsured motorist coverage works in New Mexico.
Correction: UM is part of every policy unless rejected in writing, and underinsured cover is included in UM by law.
Source: NMSA §66-5-301; 13.12.3.9 NMAC
#56 ·
Guides (2): Alaska Auto Insurance Requirements: 50/100/25 Minimums & Moose Hazards; 10 States with the Highest Minimum Auto Insurance Requirements
Error: Described Alaska as having the highest auto insurance minimums in the US, tied only with Maine.
Correction: North Carolina's 50/100/50, in force since 1 July 2025, is the highest. Alaska's 50/100/25 ties Maine and Virginia.
Source: N.C. S.L. 2023-133 as amended by S.L. 2024-29; AS 28.22.101(d)
#55 ·
Guide: 10 States with the Most Expensive Motorcycle Insurance
Error: Applied the car no-fault (PIP) rules to motorcycles.
Correction: Michigan motorcycles carry no PIP, New York excludes motorcycles from no-fault, Maryland PIP is optional on motorcycles, and Florida requires no insurance to register a motorcycle.
Source: MCL 500.3103; N.Y. Insurance Law §5102(f)
#54 ·
Guide: Alabama Auto Insurance Requirements: Minimum Coverage
Error: The penalty figures and the uninsured motorist rule were wrong.
Correction: Penalties rebuilt from the statute: fines up to $500 for a first offence and $1,000 after, with $200 and $400 reinstatement fees. UM is included unless rejected.
Source: Ala. Code §32-7A-16; Ala. Code §32-7-23
#53 ·
Guide: Colorado Auto Insurance Requirements: Minimum Coverage
Error: Gave the reinstatement fee as "$100+" and stated, without a source, that registration is suspended within 30 days.
Correction: The restoration fee is $95. The unsourced suspension claim was removed.
Source: C.R.S. §42-2-132
#52 ·
Guides (2): Pool Contractor Insurance Requirements | GL & State Bonds; Solar Installer Insurance Requirements | Contractor Coverage
Error: Workers' compensation class codes were wrong, and so were the state licensing rows on the pool contractor guide (California, Florida, Arizona, Nevada, New York) and the licence classes on the solar guide.
Correction: Pool contractors are NCCI 5223 (6400 is fence work). Solar installers are 5551, 5190 or 3724, and need a California C-46 or C-10 licence, Florida CILB or ECLB licensing, or a Nevada C-2g.
Source: California CSLB; Florida DBPR; Nevada State Contractors Board; NCCI classifications
#51 ·
Guide: Aircraft Insurance Requirements by State: Only Minnesota Mandates It
Error: Said Minnesota drone operators need only show proof of insurability.
Correction: Commercial drone operators in Minnesota must carry at least $100,000/$300,000 of liability insurance for each flight.
Source: Minn. Stat. §360.59
#50 ·
Guides (28): Electrical Contractor Insurance Requirements; Glazing Contractor Insurance Requirements; Insulation Contractor Insurance Requirements; Landscaper Insurance Requirements: Complete Guide for Lawn Care; Do Locksmiths Need Insurance? Requirements & Costs; Speech Therapist Insurance Requirements: What Changes the Day You Leave the School District; Tow Truck Insurance Requirements | FMCSA & State Rules; Warehouse Insurance Requirements; Auto Repair Shop Insurance Requirements: Complete Guide; Barber Shop Insurance Requirements | What Shops Actually Need; Garage Door Installer Insurance Requirements; Nail Salon Insurance Requirements: Complete Coverage Guide; Pressure Washing Insurance Requirements: What You Need; Auto Dealer Insurance Requirements | Bond, Garage & DOL Guide; Carpet Cleaning Insurance Requirements: What Operators Need; Chiropractor Insurance Requirements | Malpractice & Licensing Guide; Drywall Contractor Insurance Requirements | GL & Bond Guide; Excavation Contractor Insurance Requirements; Fence Contractor Insurance Requirements | GL & Bond Guide; Flooring Contractor Insurance Requirements; Framing Contractor Insurance Requirements; Interior Designer Insurance Requirements | E&O & GL Guide; Junk Removal Insurance Requirements: What Operators Need; Masonry Contractor Insurance Requirements; Retail Store Insurance Requirements; Subcontractor Insurance Requirements: Complete Coverage Guide; Tile Contractor Insurance Requirements | GL, WC & Silica Guide; Welding Contractor Insurance Requirements
Error: Said workers' compensation is required from the first employee "in virtually every state" or "in 49 states".
Correction: The threshold runs from one to five employees depending on the state and the trade. Florida, for example, starts at four employees outside construction and one inside it, and most private employers in Texas may opt out.
Source: Fla. Stat. §440.02; Tex. Lab. Code §406.002
#49 ·
Guides (19): Concrete Contractor Insurance Requirements; Contractor Bond Requirements by State | Amounts Compared; Demolition Contractor Insurance Requirements | GL, WC & Hazmat Guide; Drywall Contractor Insurance Requirements | GL & Bond Guide; Electrician Insurance Requirements: Complete Guide for Contractors; Fence Contractor Insurance Requirements | GL & Bond Guide; Fire Sprinkler Contractor Insurance Requirements by State; Framing Contractor Insurance Requirements; General Contractor License Requirements by State; Glazing Contractor Insurance Requirements; Do Gutter Contractors Need Insurance? Requirements; Insulation Contractor Insurance Requirements; Irrigation Contractor Insurance Requirements | GL, WC & Bonding Guide; Painter Insurance Requirements: Complete Guide for Contractors; Do Paving Contractors Need Insurance? Requirements; Security Guard Company Insurance Requirements; Subcontractor Insurance Requirements: Complete Coverage Guide; Surety Bond Requirements for Contractors | State-by-State Guide; Tile Contractor Insurance Requirements | GL, WC & Silica Guide
Error: Several contractor figures were out of date or wrong: California's licence bond given as $15,000, Washington's contractor bond as $12,000, stale OSHA maximum penalties, an Arizona "$500,000 insurance" licensing claim, and state rows on the electrician and security guard guides.
Correction: California is $25,000 (since 1 January 2023). Washington is $30,000 for general and $15,000 for specialty contractors (since 1 July 2024). OSHA maxima are $16,550 for serious and $165,514 for willful or repeated violations. Arizona's licensing board sets bonds only. Texas security licensees carry $100,000/$50,000 with a $200,000 aggregate.
Source: California CSLB (SB 607); RCW 18.27.040; OSHA 2026 civil penalty adjustment; Tex. Occ. Code §1702.124
#48 ·
Guide: Lyft Insurance Requirements for Drivers — Coverage Gaps Explained
Error: Said Lyft's $1 million liability cover applies only while a passenger is in the car.
Correction: It applies from the moment a ride is accepted. New York requires $1,250,000 during a prearranged trip.
Source: Cal. Pub. Util. Code §5433; N.Y. Vehicle and Traffic Law §1693
#47 ·
Guide: Idaho Motorcycle Insurance Requirements: 25/50/15 Minimums
Error: Stated in the title, summary and body that Idaho has no helmet law for any rider. It also misstated the uninsured motorist rule and gave SR-22 as three years for a first offence.
Correction: Riders under 18 must wear a helmet. UM/UIM is included unless rejected. SR-22 lasts one year for a first no-insurance offence.
Source: Idaho Code §49-666; Idaho Code §41-2502; Idaho Transportation Department
#46 ·
Guide: Rhode Island Boat Insurance Requirements | Narragansett Bay
Error: Cited boating under the influence to the wrong section (§46-22-11), with a wrong penalty table and boater-education rule.
Correction: BUI is §46-22.2-3, and the penalties were rebuilt from it. Boater education applies to operators born on or after 1 January 1986 running more than 10 hp, and to all personal watercraft operators. Registration is with RIDEM and runs for two years.
Source: R.I. Gen. Laws §46-22.2-3; Rhode Island DEM
#45 ·
Guide: Ecuador Travel Insurance Requirements
Error: Described mainland Ecuador's insurance rule as a 2021 COVID-era measure, claimed an air-evacuation requirement the law does not contain, and misattributed the Galápagos transit card.
Correction: The mainland requirement was repealed on 21 August 2018. The unsupported evacuation claim was removed. The transit control card is issued by the Galápagos Governing Council (Consejo de Gobierno).
Source: Registro Oficial 309-S (2018); LOREG Galápagos; Consejo de Gobierno de Galápagos
#44 ·
Guide: Thailand Travel Insurance Requirements | Visa Rules Explained
Error: Gave THB 40,000 / 400,000 as the O-A visa insurance baseline, and misstated which visas need a Thai insurer.
Correction: The O-A minimum is THB 3,000,000 (USD 100,000) per policy year. O-A accepts foreign insurers; only O-X requires a Thai one.
Source: Royal Thai Consulate-General, Los Angeles; Royal Thai Embassy, Oslo
#43 ·
Guide: Mexico Travel Insurance Requirements | Auto & Health
Error: Said Mexico's auto liability mandate applies on any public road, and misstated Medicare Advantage coverage abroad.
Correction: The federal mandate covers federal roads and bridges. Some Medicare Advantage plans do cover emergency care abroad.
Source: Ley de Caminos, Puentes y Autotransporte Federal, art. 63 Bis; Medicare publication 11037
#42 ·
Guide: LLC Insurance Requirements by State: Complete Guide
Error: Reversed Florida's workers' compensation thresholds, gave Florida contractor liability as $1 million, and said HIPAA and PCI DSS require cyber insurance.
Correction: In Florida it is one employee in construction and four elsewhere, and contractor liability is $300,000/$50,000. Neither HIPAA nor PCI DSS requires insurance.
Source: Fla. Stat. §440.02; Fla. Admin. Code R. 61G4-15.003
#41 ·
Guide: Self-Storage Facility Insurance Requirements
Error: Stated that Minnesota requires the storage facility itself to be licensed, and misquoted the required tenant disclosure.
Correction: Minnesota exempts the owner and staff from licensing, subject to notice, training and disclosure rules. The disclosure is now quoted correctly.
Source: Minn. Stat. §60K.60
#40 ·
Guide: Private Investigator Insurance & Bonding Requirements by State
Error: Applied Illinois's $1 million requirement to agencies only, and named the wrong Tennessee regulator.
Correction: Illinois requires at least $1,000,000 of every licensed private detective. Tennessee's regulator is the Private Investigation and Polygraph Commission.
Source: Illinois IDFPR private detective application
#39 ·
Guide: Security Guard Company Insurance Requirements by State
Error: Gave Florida's requirement as a $10,000/$50,000 bond.
Correction: Florida requires a $300,000 combined single-limit policy for a Class "B" agency. Texas's $200,000 aggregate was added, and New York's $100,000/$300,000 applies once guards are employed.
Source: Fla. Stat. §493.6110; Tex. Occ. Code §1702.124; New York Department of State
#38 ·
Guide: Pool Service Insurance Requirements | Contractors & Maintenance
Error: Gave California's licence bond as $15,000 and treated liability insurance as a condition of the C-53 licence. Florida, Arizona and Nevada details were also wrong.
Correction: California's bond is $25,000, and liability insurance is required only of LLC licensees. Florida requires $100,000 liability plus $25,000 property damage, with no licence bond. Arizona's bond scale was corrected, and Nevada's classification is A-10.
Source: California CSLB; Fla. Admin. Code R. 61G4-15.003; A.R.S. §32-1152
#37 ·
Guide: Personal Chef Insurance Requirements
Error: Said food handler certification is required in most states, even when cooking in a client's kitchen.
Correction: Florida, Wisconsin and South Carolina all exempt a personal chef cooking in a client's home.
Source: Florida DBPR; Wisconsin DATCP; S.C. Code Regs. 61-25
#36 ·
Guide: Alabama Motorcycle Insurance Requirements: 25/50/25 & Contributory Negligence
Error: Cited the helmet law to the equipment-specification section, included an eye-protection rule that does not exist, and overstated first-offence penalties.
Correction: The helmet mandate is §32-5A-245. A first offence is a fine of up to $500 with no SR-22 step. UM is included unless rejected.
Source: Ala. Code §32-5A-245; Ala. Code §32-7-23
#35 ·
Guide: Taxi Insurance Requirements: How They Differ From Rideshare
Error: Attributed a $500,000 for-hire requirement to Texas's TDLR (that rule covers tow trucks), and gave New York's for-hire minimum as 50/100.
Correction: Texas taxis are licensed by cities. New York's for-hire bodily injury minimum is 25/50.
Source: N.Y. Vehicle and Traffic Law §370
#34 ·
Guide: Electrical Contractor Insurance Requirements
Error: Gave Texas as "$500,000 plus a bond", and said California requires general liability insurance.
Correction: Texas requires $300,000 per occurrence / $600,000 aggregate. California and Arizona set no general liability minimum, and Washington's electrical contractor bond is $4,000.
Source: 16 TAC §73.40; RCW 19.28.041
#33 ·
Guide: Cannabis Dispensary Insurance Requirements by State
Error: Said California, Washington and New York all require $1 million of general liability from retailers, and that marijuana remains Schedule I.
Correction: California requires a $5,000 surety bond (its $1 million liability rule binds distributors), and New York does not set that requirement. Washington does require $1,000,000. A federal order effective 28 April 2026 placed FDA-approved marijuana drugs and state-licensed medical marijuana in Schedule III.
Source: WAC 314-55-082; Cal. Code Regs. tit. 4 §15308; Federal Register 2026-08176
#32 ·
Guide: Septic System Installer & Pumper Insurance Requirements
Error: Presented one New Jersey borough's $1 million liability and $20,000 bond rule as statewide, and named the wrong Ohio registration body.
Correction: The New Jersey figures are local, not state law. Ohio installers register with the local board of health.
Source: Ohio Admin. Code 3701-29-03
#31 ·
Guide: Florist Insurance Requirements: What Flower Shops Need
Error: Said workers' compensation applies from a florist's first employee, and that no state licenses florists.
Correction: Florida's threshold is four employees outside construction, and Louisiana requires florist permits.
Source: Fla. Stat. §440.02; Louisiana Department of Agriculture and Forestry
#30 ·
Guide: Minimum Auto Insurance Requirements by State: All 50 States
Error: Listed Connecticut UM as not required and Michigan and New Mexico UM as required, said Alaska and Maine have the highest minimums, and counted 12 no-fault states while listing 14.
Correction: Connecticut requires UM, and Michigan and New Mexico let drivers decline it. North Carolina's 50/100/50 is the highest minimum. The no-fault count now matches the list.
Source: C.G.S. §38a-336; N.C. S.L. 2023-133
#29 ·
Guide: New Mexico Boat Insurance Requirements | Elephant Butte Guide
Error: Inverted the registration rule, and described Heron Lake as a 5 mph lake.
Correction: Every motor- or sail-powered boat registers, and only boats 10 ft or longer must also be titled. Heron Lake is no-wake only, and boater education covers sailboats too.
Source: 18.17.2 NMAC; New Mexico State Parks
#28 ·
Guide: Louisiana Boat Insurance Requirements | Gulf Coast & Pontchartrain Guide
Error: Cited boating under the influence to R.S. 34:851.5 (reckless operation), gave a wrong penalty table, described a "Class C felony" (Louisiana does not grade felonies by letter), and omitted the boater-education rule.
Correction: BUI is R.S. 14:98, and the penalties were rebuilt from it. Serious-injury cases fall under R.S. 14:39.2. Boater education applies to operators born after 1 January 1984.
Source: La. R.S. 14:98; La. R.S. 14:39.2
#27 ·
Guide: Maine Boat Insurance Requirements | Penobscot Bay & Casco Bay
Error: Cited operating under the influence to 12 M.R.S. §13106-A (a snowmobile section), overstated repeat-offence classes, and gave the boater-education cutoff as "born after 1978".
Correction: OUI is §10701, and repeat offences are Class D with a six-year lookback. Boater education applies to operators born on or after 1 January 1999 running more than 25 hp.
Source: 12 M.R.S. §10701; 12 M.R.S. §13068-A(17)
#26 ·
Guide: Car Wash Insurance Requirements: Coverage Rules
Error: Gave the Clean Water Act maximum as $37,500 a day, overstated when an NPDES permit is needed, and said workers' compensation applies from the first employee almost everywhere.
Correction: The maximum is $68,445 a day (2025 adjustment). A wash connected to a municipal sewer needs the municipality's approval, not an NPDES permit. The workers' compensation threshold runs from one to five employees by state.
Source: EPA NPDES permit basics; Federal Register 2025-00206
#25 ·
Guide: Chimney Sweep Insurance Requirements
Error: Said CSIA certification requires insurance, listed "loss of CSIA certification" as a penalty, and overstated state certification.
Correction: The CSIA credential requires a review course, an exam and the Code of Ethics, not insurance, so the penalty was removed. Vermont's TQP is the verified example of state certification.
Source: CSIA; Vermont Division of Fire Safety
#24 ·
Guide: Drone Pilot Insurance Requirements | Part 107 Guide
Error: Said Part 107 drones under 0.55 lb need not be registered, and cited a non-existent "Part 44809".
Correction: Part 107 drones are registered at any weight; the 0.55 lb exemption is for recreational flying only. The recreational rule is 49 U.S.C. §44809. Minnesota's commercial drone insurance mandate was added.
Source: 14 CFR 48.15; 49 U.S.C. §44809; Minn. Stat. §360.59
#23 ·
Guide: Idaho Boat Insurance Requirements | Pend Oreille & Coeur d'Alene Guide
Error: Said a first boating-under-the-influence offence carries a boating ban, and exempted unpowered craft by length.
Correction: The two-year ban applies from a second offence. Unpowered craft are exempt because they have no motor.
Source: Idaho Code §67-7033
#22 ·
Guide: Occurrence vs. Claims-Made Insurance: The Compliance Difference
Error: Said California's lawyer insurance-disclosure rule is triggered by a retroactive-date mismatch, and overstated how many states have similar rules.
Correction: California Rule 1.4.2 is triggered by having no insurance. About 18 states require disclosure at registration only, and about 7 require disclosure to clients.
Source: State Bar of California Rule 1.4.2
#21 ·
Guide: Colorado Motorcycle Insurance Requirements: Minimum Coverage for Riders
Error: Cited the insurance mandate to a definitions section, and gave the first-offence suspension as four months and reinstatement as $40.
Correction: The mandate is C.R.S. §10-4-619 / §42-4-1409. A first offence suspends the licence until an SR-22 is filed, and reinstatement is $95.
Source: C.R.S. §10-4-619; C.R.S. §42-4-1409; C.R.S. §42-2-132
#20 ·
Guide: Optometrist Insurance Requirements | Malpractice Guide
Error: Said a "large majority of states" require malpractice insurance for licensure, and understated network requirements.
Correction: The verified state examples are Connecticut ($500,000/$1,500,000) and Pennsylvania ($200,000/$600,000). VSP's network floor is $1,000,000/$3,000,000.
Source: Connecticut DPH; Pennsylvania State Board of Optometry; VSP credentialing guide
#19 ·
Guides (3): West Virginia Auto Insurance Requirements: Minimum Coverage; West Virginia Motorcycle Insurance Requirements | Universal Helmet Law & Mandatory UM; States That Require Uninsured Motorist Coverage
Error: Said West Virginia uninsured motorist cover can be declined in writing. The UM overview also called underinsured cover required.
Correction: UM at the 25/50/25 minimum is written into every policy and cannot be rejected. Only UM above the minimum, and underinsured cover, are optional.
Source: W. Va. Code §33-6-31(b)
#18 ·
Guide: Oklahoma Boat Insurance Requirements | Lake Eufaula & Texoma Guide
Error: Credited boat registration to ODWC, gave boater education as a "born after 1989" rule, and cited boating under the influence to 63 O.S. §4218.
Correction: Registration is with Service Oklahoma, boater education applies to operators aged 12 to 15, and BUI is 63 O.S. §4210.8.
Source: Service Oklahoma; Oklahoma Department of Public Safety
#17 ·
Guide: Freight Broker Insurance Requirements | $75K Bond
Error: Gave the bond cure window as 7 calendar days.
Correction: It is 7 business days after FMCSA's notice.
Source: 49 CFR 387.307
#16 ·
Guide: Dog Trainer Insurance Requirements
Error: Listed Texas and New York as strict-liability dog-bite states.
Correction: Both follow the one-bite (scienter) rule.
Source: Marshall v. Ranne, 511 S.W.2d 255 (Tex. 1974); Collier v. Zambito, 1 N.Y.3d 444 (2004)
#15 ·
Guide: Snowmobile Insurance Requirements by State: The 7 States That Require It
Error: Said Minnesota, Maine and New Hampshire require snowmobile insurance, and left out the mandates in Illinois, Pennsylvania, Vermont and South Dakota.
Correction: Rebuilt from a state-by-state statute review. Minnesota, Maine and New Hampshire have no mandate. Illinois, New Jersey, New York, Vermont, North Dakota, South Dakota and Pennsylvania do.
Source: Minn. Stat. §§84.81–84.915; 625 ILCS 40/3-13
#14 ·
Guides (2): Tennessee Auto Insurance Requirements: 25/50/25 and No PIP; Tennessee Motorcycle Insurance Requirements: Universal Helmet Law Guide
Error: Stated the minimum as 25/50/15. The auto guide also described a $10,000 PIP mandate.
Correction: The minimum is 25/50/25 (proof required after 31 December 2022). Tennessee is an at-fault state and mandates no PIP.
Source: T.C.A. §55-12-102
#13 ·
Guide: Hawaii Auto Insurance Requirements: 40/80/20 Since 2026
Error: Stated the car minimum as 20/40/10.
Correction: The car minimum has been 40/80/20 since 1 January 2026. Motorcycles remain at 20/40/10 under a separate section.
Source: Act 138 (S.B. 2342), HRS §431:10C-301; HRS §431:10G-301
#12 ·
Guides (6): North Carolina Auto Insurance Requirements: 50/100/50 Since 2025; North Carolina Motorcycle Insurance Requirements: 50/100/50 & Mandatory UM; Massachusetts Auto Insurance Requirements: 25/50/30 Since 2025; Massachusetts Motorcycle Insurance Requirements | 25/50/30; Utah Auto Insurance Requirements: Minimum Coverage; Utah Motorcycle Insurance Requirements | 30/65/25 & Lane Filtering
Error: Stated pre-2025 minimums: North Carolina 30/60/25, Massachusetts 20/40/5, Utah 25/65/15.
Correction: North Carolina has been 50/100/50 since 1 July 2025, Massachusetts 25/50/30 since 1 July 2025, and Utah 30/65/25 since 1 January 2025. The same figures were corrected in 11 comparison guides.
Source: N.C. S.L. 2023-133; Ch. 275, Acts of 2024 (M.G.L. c.90 §34A); Utah HB 113 (2023)
#11 ·
Guides (2): New Jersey Auto Insurance Requirements: 35/70/25 Since 2026; New Jersey Motorcycle Insurance Requirements: No-Fault Exclusion & Helmet Law
Error: Stated New Jersey's pre-2023 standard minimum of 15/30/5 for cars and motorcycles.
Correction: The standard policy minimum has been 35/70/25 since 1 January 2026 (25/50/25 from 2023), for motorcycles as well as cars. The same figure was corrected in 6 other guides.
Source: N.J.S.A. 39:6B-1 (P.L.2022 c.87)
#10 ·
Guide: Delaware Boat Insurance Requirements | Bay & Canal Guide
Error: Described a New Jersey powerboat insurance statute that does not exist, and a Maryland rule requiring liability insurance to use public boat ramps.
Correction: The New Jersey claim was removed. The Maryland rule could not be substantiated: Maryland's Insurance Administration states that no law requires boat insurance, and the State Boat Act's only insurance provision covers for-hire carriers. The guide now says so.
Source: Maryland Insurance Administration; Md. Code, Nat. Res. §8-744
#9 ·
Guides (2): Virginia Auto Insurance Requirements: 50/100/25 and the End of the UMV Fee; Virginia Motorcycle Insurance Requirements: 50/100/25 & the Mandate Update
Error: Stated that insurance is optional if you pay a $500 Uninsured Motor Vehicle fee, and gave the minimum as 30/60/20.
Correction: The UMV fee was abolished on 1 July 2024, and the minimum has been 50/100/25 since 1 January 2025. The same errors were corrected in 8 other guides.
Source: Code of Virginia §46.2-472
#8 ·
Guides (4): Kansas Motorcycle Insurance Requirements | 25/50/10 & No-Fault Gap; Kentucky Motorcycle Insurance Requirements: 25/50/10 & Choice No-Fault Exclusion; Missouri Motorcycle Insurance Requirements: 25/50/10, Partial Helmet Law & Mandatory UM; Montana Motorcycle Insurance Requirements | 25/50/10 & No Helmet Law
Error: Gave the motorcycle property-damage minimum as $10,000.
Correction: Kansas, Kentucky and Missouri are 25/50/25, and Montana is 25/50/20.
Source: K.S.A. §40-3107(e); KRS 304.39-110; RSMo §303.190; MCA §61-6-103
#7 ·
Guides (3): DoorDash Insurance Requirements: What DoorDash Covers, State by State; SR-22 vs. FR-44 Requirements: Key Differences; Teen Driver Insurance Requirements | GDL & SR-22 Guide
Error: Listed California's minimum as 15/30/5; two of the guides described the 2025 increase as still to come.
Correction: 30/60/15 since 1 January 2025.
Source: California SB 1107
#6 ·
Guide: 10 States with the Highest Minimum Auto Insurance Requirements
Error: Gave Connecticut's minimum as 25/50/20.
Correction: 25/50/25.
Source: C.G.S. §14-112
#5 ·
Guide: Moped & Scooter Insurance Requirements by State
Error: Gave Arizona's minimum as 25/15/10.
Correction: 25/50/15.
Source: A.R.S. §28-4009
#4 ·
Guide: California Auto Insurance Requirements: 30/60/15 Since 2025, and What Changes Again in 2035
Error: Stated the retired 15/30/5 minimum throughout, including the quick-answer table, the worked example and the FAQ.
Correction: 30/60/15 since 1 January 2025, the first change since 1967. It rises to 50/100/25 on 1 January 2035.
Source: California SB 1107
#3 ·
Guide: Michigan Auto Insurance Requirements: Why Your Policy Defaults to 250/500, Not the 50/100 Minimum
Error: Said Michigan mandates 50/100/10.
Correction: Since 1 July 2020, insurers must issue $250,000/$500,000 bodily injury cover unless the driver signs a selection form; 50/100 is the lowest option a driver may choose.
Source: MCL 500.3009
#2 ·
Guide: Amazon Flex Insurance Requirements: The Gap Between Blocks Nobody Warns You About
Error: Said damage to the driver's own vehicle is never covered.
Correction: Amazon's policy includes contingent comprehensive and collision cover up to $50,000 ($1,000 deductible), provided the driver carries their own comprehensive and collision.
Source: Amazon Flex
#1 ·
Guide: Turo Insurance Requirements: Why Your Personal Policy Won't Pay a Host Claim
Error: Described four host "protection plan" tiers that Turo had since restructured and renamed.
Correction: The tier table was removed rather than replaced with figures that could not be verified. Turo renamed its host plans "earnings plans" on 31 March 2026.
Source: Turo — Introducing earnings plans