Insurance requirement guides for Business Insurance.
Only California, Florida, Hawaii and Washington regulate travel sellers — with bonds, trust accounts and a restitution fund. Florida's bond can vanish after five clean years.
New York requires MMA and boxing promoters to insure each fighter for $1,000,000 in brain injury care; Florida requires $20,000 in medical coverage.
Colorado requires outfitters to carry $100,000 per accident plus a $10,000 bond; Oregon requires $500,000, and Montana defers to federal land permits.
Four states legally require $1,000,000+ liability insurance for bounce house rentals; Florida and Colorado exempt inflatables from that same law.
Washington requires $500,000 in liability insurance for a fireworks stand; Michigan requires $10,000,000 per location for the identical activity.
States regulate prepaid funeral money through a trust, insurance, or a bond, not the funeral itself. North Carolina requires a $50,000 preneed bond; embalming malpractice coverage is market-driven, not mandated.
No state ties liability insurance to an esthetician's license, but nearly every booth-rental lease requires $1M/$2M in coverage, and Maryland attaches an insurance condition at the salon level.
Most states don't license doulas at all, but 26 states plus D.C. now require $1M/$3M liability insurance to enroll as a Medicaid-reimbursed doula provider.
Illinois, Kentucky, Oregon, and Wisconsin ban bounty hunting outright. California requires $1 million in liability insurance plus a $1,000 bond per bail agent contracted.
No state ties interpreter or translator certification to an insurance mandate — but hospitals, courts, and agencies routinely require $1M in E&O coverage before they'll assign work.
Nevada requires $200,000 in liability insurance to serve legal papers; California requires a $2,000 bond; Texas requires neither — just certification. See what your state demands.
CBP's $50,000-minimum customs bond belongs to the importer, not the broker — brokers are licensed under exam and character review, with no federal insurance mandate at all.
Admitted insurers are backed by the state guaranty fund if they fail; surplus lines carriers aren't — a distinction every state requires brokers to disclose in writing.
California requires $100K/$300K in malpractice coverage; Pennsylvania requires $1M with automatic license suspension on a lapse. Most states require neither.
Cannabis dispensaries face no federal insurance mandate. Washington requires $1 million in general liability to license a store; California and Illinois use a bond instead, and Colorado storefronts need neither.
Freight brokers must post a $75,000 FMCSA bond or trust fund — not liability insurance — under 49 CFR 387.307, and confusing the two costs new brokers money.
California requires a $1 million general liability policy to license a security guard agency; Florida requires only a $10,000 bond for unarmed agencies. See how licensing insurance and bonding minimums compare across 5 major states.
No state requires self-storage tenants to buy insurance — but states regulate how facilities sell it: Washington licenses it as a specialty line, and Minnesota requires the facility to file notice, train staff, and disclose that your own policy may already cover stored goods.
Texas requires assisted living facilities to carry $100,000/$300,000 minimum general liability coverage before licensure; Florida mandates coverage without setting a fixed dollar floor. See what applies state to state, and when a separate bond is required.
About half the states require a surety bond for a private investigator license, and a smaller group layers on liability insurance — Illinois requires $1 million. See which states require what, and why a bond and a policy protect different parties.
No state law forces a nonprofit board to buy D&O insurance, but volunteer-immunity statutes don't cover gross negligence or legal defense costs. See who actually requires the coverage and what it protects that state law doesn't.
No state requires general businesses to carry cyber liability insurance, but all 50 states mandate data breach notification. See New York's DFS cybersecurity rule, who actually needs coverage, and what happens after an uninsured breach.
No single law requires summer camp insurance, but landowners, facility rental agreements and school or municipal partners commonly require general liability. Abuse and molestation cover is excluded and bought separately, and workers' comp follows the state threshold.
Personal chefs face foodborne-illness and allergic-reaction liability that a client's homeowner's policy never covers — most states require food handler certification, and $1M general liability is the standard client-contract minimum.
FAA Part 107 governs airspace authorization, not liability — commercial drone operators typically need $500K-$1M in aviation-specific liability coverage required by clients and property owners, not the FAA.
Auto detailers face the same care-custody-control gap as mechanics — paint and upholstery damage during detailing isn't covered by standard general liability without a garagekeepers endorsement.
Brand sponsorship contracts increasingly require $1M general liability before releasing payment, and standard homeowners and auto policies exclude monetized content creation as a business activity.
Standard general liability excludes animals in the facility's care under the CCC exclusion — making care, custody, and control bailee coverage the most critical insurance for boarding kennels and doggy daycares.
Laundromats need bailee's customer goods coverage for clothing damaged in machines — standard GL excludes care-custody-control claims. Equipment breakdown coverage is equally critical, as machine motor failure is not covered by commercial property policies.
Standard GL excludes liquor claims for any bar, and some states — Illinois, Iowa, Michigan, Minnesota and Utah among them — make liquor liability insurance a licence condition. See how dram shop law differs by state and where assault-and-battery gaps come from.
Driving schools need commercial auto insurance with state-mandated minimums for student driver vehicles — California requires $750,000 combined single limit; most states set $100,000–$300,000 per person. General liability and professional liability are also required.
Car wash businesses need garage keeper’s liability to cover customer vehicles on premises — standard GL excludes care-custody-control exposure. Minimum GL is $500,000–$1,000,000, with workers’ comp required for all employees.
Warehouses need commercial property, $1M general liability, workers' comp, and bailee's customers goods coverage for third-party inventory — standard GL and property policies exclude customer-owned goods in the warehouse's custody. Forklift operators carry above-average workers' comp rates.
Dog trainers need $1M general liability to cover bites, participant injuries, and property damage — plus professional liability for behavioral outcome claims and care-custody-control coverage for board-and-train programs. Homeowner's policies exclude business operations.
Day spas need $1M GL and professional liability for licensed service providers. Wet floors, wax burns, and chemical reactions require overlapping coverage.
Staffing agencies are typically the employer of record for placed workers, making workers' compensation their largest and most complex insurance obligation. Negligent placement claims — placing an unqualified worker who then harms a client's customer — are covered only by professional liability, which standard GL policies explicitly exclude.
Standard general liability excludes liquor liability and typically excludes product liability for consumed beverages — two of the most significant exposures in the brewing industry. Most state ABC boards require proof of insurance to issue a brewery or taproom license.
Auto dealers need a state surety bond ($10,000–$100,000 depending on state), garage liability instead of standard GL, dealers open lot for inventory, and garagekeepers for customer vehicles in service. Standard commercial GL explicitly excludes garage operations.
Physical therapists need professional liability at $1M/$3M — required by virtually all employers and credentialing organizations. Individual PT malpractice runs $100–$400 per year, but claims-made tail coverage is essential at every employer transition.
Dram shop laws make sellers liable; they do not require insurance. Only some states make liquor liability a licence condition — Illinois, Iowa, Michigan, Minnesota and Utah among them. And the standard GL liquor exclusion applies only to businesses in the alcohol trade.
Yoga studios need general liability and professional liability — standard GL excludes instruction-related injuries. Aerial yoga requires explicit policy confirmation, hot yoga heat illness claims require professional liability, and booth-style instructors need their own individual coverage.
Dental malpractice runs $2,000–$6,000 per year for a solo general dentist at $1M/$3M — oral surgeons pay significantly more due to IV sedation. Most state dental boards don't mandate it, but hospital privileges, DSO participation, and group practice contracts effectively require it.
Hair salons need general liability and professional liability — chemical burns from bleaching are the top professional claim, and standard GL explicitly excludes professional services. Booth renters are never covered by the salon owner's policy and need their own coverage.
Veterinary malpractice insurance runs $500–$1,500 per year for a solo small-animal vet at $1M/$3M — a fraction of human medicine rates. Several states require it for licensure or hospital credentialing, and employer contracts make it near-universal in practice.
Chiropractors need professional liability (malpractice) insurance as the core coverage for clinical practice. The $1M per claim / $3M aggregate standard is required by most hospital credentialing bodies and managed care contracts, even in states where licensing boards don't mandate it.
No state law requires junk removal insurance, but commercial clients and property managers require $1M GL as a condition of vendor authorization. Commercial auto is legally required on business trucks, and EPA Section 608 applies when hauling appliances containing refrigerants.
No state law mandates insurance for retail stores, but commercial leases require $1M GL as a condition of occupancy. Slip-and-fall, product liability, and employee theft are the three most common retail claims.
Most commercial venues require $1M general liability before a florist can set foot on-site, and workers' comp is legally required in 49 states the moment the first employee is hired. Here's what coverage florists actually need.
Security companies are required by state licensing boards to carry $300K–$1M general liability and workers' comp before receiving an operating license. Armed guard operations require $2M–$5M and a firearms liability endorsement.
Home inspector E&O insurance is required by law in ~20 states including Texas ($100K), Nevada ($500K), and Tennessee ($250K). General liability is also required in several states and by most realtor referral networks.
Dog walkers need $1M general liability plus care, custody and control coverage — standard GL excludes pets in your care. Platform coverage from Rover and Wag only applies to on-platform bookings.
Most states require notaries to post a surety bond ($500–$25,000), but a bond protects the public — not you. E&O insurance protects the notary personally and is required by most signing agent clients.
Airbnb's AirCover provides $3M in protection but is not actual insurance and won't satisfy your mortgage lender. Most homeowners policies also exclude short-term rental activity, leaving hosts personally exposed.
Caterers need $1M general liability, liquor liability if serving alcohol, commercial auto for food transport, and workers' comp for staff. Most venues require a certificate of insurance before granting event access.
Dog groomers typically need $1M general liability plus care, custody and control coverage for pets in their care. Mobile groomers also need commercial auto — personal policies won't cover business use.
CPAs aren't legally required to carry E&O insurance in most states — but employers, credentialing bodies, and clients almost universally expect it. Standard coverage is $500K–$2M per claim, with tail coverage essential on claims-made policies.
Interstate movers must carry at least $750,000 auto liability under FMCSA rules ($300,000 for a fleet of only small vehicles), plus cargo security. State rules for intrastate movers vary — and cargo insurance is required separately from auto liability.
Barbershops need general liability, professional liability for service claims, and workers' comp for employees. Total annual cost runs $2,600–$6,600 for a two-chair shop — and landlords require proof before you sign.
NPs are required to carry professional liability insurance by virtually all employers and credentialing organizations. Standard minimum is $1M/$3M — but employer coverage alone won't protect your license.
Auto repair shops need garage liability and garagekeepers coverage — not standard GL. Garagekeepers pays for customer vehicle damage in your care, which standard policies exclude. Here's what every shop owner needs.
Ten states make liability insurance a condition of the massage license — from $250,000 in South Dakota to $2M per claim in Indiana. Independent contractors at spas usually need their own policy.
Nail salons need general liability, professional liability, and workers' comp if they have employees. Booth renters are almost never covered by the salon owner's policy — they need their own.
No law universally requires personal trainer insurance, but gyms, certification bodies, and studio leases almost always do. Learn what GL and professional liability cover, costs, and why independent contractors are most at risk.
Personal auto insurance almost always excludes coverage when your car is rented on Turo. Learn how Turo's host protection plans work, what guests need, and when a commercial policy is required.
Grubhub provides $1M contingent liability during active deliveries but has no coverage between orders. Your personal auto policy likely excludes delivery driving — here's what Grubhub drivers actually need.
Lyft provides $1M liability from ride acceptance through drop-off but leaves a dangerous gap during Period 1 when the app is on with no passenger. Here's what every Lyft driver actually needs.
Sole traders face different insurance requirements than corporations. Learn what coverage is legally required in the US, UK, and Australia, what clients demand, and how to protect personal assets.
Tattoo shops need general liability, professional liability, and often property coverage. Learn what insurance tattoo parlors require for licensing and protection.
HOAs need master policies covering common areas, liability, and D&O. Learn what coverage associations must carry, what individual owners need, and typical policy costs.
Gyms need general liability, professional liability, and workers' comp insurance. Learn what coverage fitness centers need, typical costs, and landlord requirements.
Event planners need general liability and E&O insurance for vendor contracts and client protection. Learn coverage requirements, typical costs, and event-specific policies.
Real estate agents need E&O and general liability insurance for licensing and brokerage contracts. Learn coverage requirements, typical costs, and state-by-state rules.
Wedding venues need general liability, property insurance, and liquor liability if serving alcohol. Learn coverage requirements, typical costs, and what couples expect.
Architects need professional liability (E&O) and general liability insurance for licensing and contracts. Learn coverage requirements, typical costs, and state-by-state rules.
Most states don't require cleaning service insurance, but clients do. Learn what general liability, bonding, and workers' comp cleaning businesses need, plus typical costs.
General contractors require subcontractors to carry liability and workers' comp insurance. Learn what coverage you need, typical costs, and additional insured requirements.
Hotels need general liability, property insurance, and liquor liability if serving alcohol. Learn coverage requirements, typical costs, and lender/franchisor requirements.
Most states don't legally require LLC insurance, but you need it. Learn what general liability and professional liability LLCs should carry, state rules, and industry requirements.
Restaurants must carry workers' comp at their state's threshold and auto liability on owned vehicles; liquor liability is a licence condition in some states, and leases require general liability. See what is legal versus contractual, state by state.
Most states don't require consultant insurance, but clients do. Learn what E&O, general liability, and cyber coverage consultants need, costs by specialty, and contract requirements.
Food trucks need commercial auto, general liability, and often product liability insurance. Learn what coverage is required for permits, events, and daily operations.
Uber Black requires commercial livery insurance with $1,000,000+ liability. Learn what coverage you need, costs by market, and how to get licensed.
Most states require bakeries to carry liability insurance with product coverage. Learn requirements for retail bakeries, home bakeries, and wholesale operations.
Most states require licensed daycares to carry liability insurance. Learn coverage requirements for centers and home daycares, typical costs, and state-by-state rules.
Instacart requires Full-Service Shoppers to carry valid auto insurance. Instacart provides $1M liability during active batches — but your vehicle, your injuries, and gaps between orders are not covered.
Amazon Flex provides $1M liability during active delivery blocks but won't cover your vehicle. Learn when you're actually protected, when you're not, and the cheapest way to close the gap.
Car couriers must carry their own state-minimum insurance. Uber's delivery policy covers others up to $500,000, half its rideshare limit, and never pays for your car or your injuries.
Car Dashers must carry their own state-minimum insurance. DoorDash covers others up to $1M only from order accepted to drop-off in most states, $250,000 in Kentucky, and never your car.
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This collection features 88 carefully researched guides for Business Insurance insurance requirements. Our content provides clear, accurate information about coverage minimums, compliance rules, and state-specific regulations. All guides are written in plain language with official sources cited.
