Insurance requirement guides for compliance.
Texas and California require no malpractice insurance at all for a med spa medical director; Florida sets $100,000, Pennsylvania forces $1,000,000.
Washington requires $500,000 in liability insurance for a fireworks stand; Michigan requires $10,000,000 per location for the identical activity.
Roadie requires only state-minimum personal auto liability and, unlike DoorDash or Grubhub, provides no supplemental company liability policy during gigs at all.
Illinois requires a $1M first-dollar liability minimum for licensed asbestos abatement firms, while AHERA and OSHA set training and safety rules but no insurance floor at all.
Shipt requires only state-minimum personal auto liability and provides no primary liability coverage of its own — a gap most Shoppers do not realize until a claim is denied.
Indiana sets a $100,000/$300,000 liability minimum for licensed direct-entry midwives, while nurse-midwives are typically covered by their employer instead of an individual state mandate.
Pennsylvania exempts farm vehicles from its insurance law entirely; North Dakota requires coverage the moment an implement of husbandry hits a public road. The orange SMV emblem is not proof of either.
Colorado requires a flat $20,000 statewide bond for water well drillers. California sets no statewide figure at all — bonding is set county by county, from $5,000 to $25,000.
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.
48 states shield stables from ordinary-negligence claims under an Equine Activity Liability Act, but none of them require insurance, and California and Maryland offer no such statute at all.
Florida requires $1 million in general liability insurance before issuing a mold remediation license; Louisiana sets its floor at just $50,000. Most states require neither.
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.
A $1M policy can leave you fully covered or completely exposed depending on one structural choice — whether it's written on an occurrence or claims-made basis.
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, but many states require $1 million in general liability as a licensing condition — while others use a bond instead, or nothing at all.
No law mandates builders risk insurance, but construction lenders almost universally require it as a loan condition — and FHA 203(k) loans carry their own HUD-guideline requirement.
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.
Taxi insurance minimums are set locally and run $100,000 to $500,000+ — a separate, stricter framework than both personal auto and rideshare coverage.
No federal law requires property manager insurance, but 8 states — including Colorado and Idaho at $100,000/$300,000 — mandate E&O coverage as a real estate license condition. See which states require it and how E&O differs from a fidelity bond.
Only 5 states require snowmobile liability insurance — New York, Pennsylvania, Vermont, North Dakota, and South Dakota — and Pennsylvania mandates a policy without setting any minimum dollar amount. See the state-by-state minimums and who's exempt.
No state requires self-storage tenants to buy insurance — but states including Ohio, Minnesota, and Virginia require the facility itself to hold a limited insurance license, train staff, and disclose coverage before it can sell tenant insurance.
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.
A surety bond must be repaid by the business after a claim is paid; liability insurance is absorbed by the insurer instead. See how California, Florida, and Nevada require different combinations of the two — and why "bonded and insured" isn't one guarantee.
No state requires title insurance, but lenders make it mandatory and Iowa bans private title insurers outright in favor of a state-run program. See lender's vs. owner's policy rules, and which states fix the insurance rate by regulation.
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.
The federal health insurance penalty is $0, but California, Massachusetts, New Jersey, Rhode Island, and D.C. still fine residents for going uninsured. See each state's 2026 penalty amount, exemptions, and how the mandates actually work.
EPA Section 608 certification is federally required for refrigerant-appliance repair, while state licensing varies sharply — Texas mandates a contractor license with proof of liability insurance; California does not license the trade at all.
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 state requires GAP insurance, but New York and Virginia regulate how GAP waivers are sold. Learn who actually needs coverage, what happens without it, and how dealership GAP compares to standalone policies.
Rental companies must carry state-minimum liability almost everywhere, except California, Missouri, New York, Texas, and Utah. See how personal auto, credit cards, and the counter's damage waiver actually stack up.
Flood insurance becomes mandatory the moment a property sits in a FEMA Special Flood Hazard Area with a federally backed mortgage. See NFIP coverage limits, private flood insurance rules, and what triggers force-placed coverage.
No state requires homeowners insurance, but mortgage lenders universally require it at full replacement cost with $100,000+ liability. See what triggers force-placed insurance and where flood coverage adds a separate mandate.
Festivals, fairs, and farmers markets require $1M-$2M general liability naming the event as additional insured before setup, and host liquor liability is a separate requirement whenever alcohol is served.
Camp permits, landowners, and ACA accreditation all require proof of $1M/$3M general liability, and abuse/molestation coverage is now a separate rider most insurers exclude by default from standard policies.
Travel insurers stop covering a hurricane the moment it's named. Learn the named-storm cutoff, the 14-21 day Cancel For Any Reason window, and how NAIC and Florida regulate travel policies during peak season.
Optometrists typically need $200K-$1M in malpractice coverage to gain licensure, insurance panel credentialing, and facility privileges — diagnostic-failure claims, not procedural errors, drive most lawsuits.
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.
Virtual assistants face professional-error and data-access liability that homeowners policies exclude entirely — agency and enterprise client contracts increasingly require $500K-$1M in E&O coverage.
Commercial snow removal contracts typically require $1M-$2M in general liability with a snow/ice services endorsement, since standard contractor GL policies often exclude this exposure by default.
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.
The SCRA does not exempt service members from state minimum auto insurance — the registration state's limits still apply during a PCS move, and deployment does not automatically suspend the requirement.
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.
IT consultants need technology E&O for professional errors, general liability for on-site work, and cyber liability for data breach exposure — standard GL explicitly excludes professional mistakes that cause client financial loss.
No U.S. state mandates personal umbrella insurance — but landlords, contractors, and commercial tenants face contractual and municipal requirements that effectively require $1M–$5M in umbrella coverage above their standard policies.
Personal injury protection (PIP) is mandatory in 12 no-fault states with minimums ranging from $3,000 in Utah to $50,000 in New York — and Michigan reformed its unlimited PIP system in 2020 with a tiered opt-out structure.
Tutors face professional liability claims for negligent instruction regardless of whether a student's poor performance traces back to the tutoring — and standard homeowner's policies do not cover business-related tutoring sessions or injuries at the tutor's residence.
All 50 states require proof of auto insurance at traffic stops — 47+ states accept digital proof on a smartphone. Failure to show proof carries fines of $50–$500, often dismissible when coverage is confirmed.
Registered Dietitian Nutritionists are licensed in all 50 states and face real malpractice exposure — industry standard is $1M/$2M professional liability, and HIPAA data breaches can carry civil penalties up to $50,000 per violation.
Life coaching is unregulated in all 50 states, but coaches face real professional liability exposure — industry standards call for $1M/$2M E&O plus general liability, and corporate clients routinely require a certificate of insurance before hiring.
Speech-language pathologists in private practice typically need $1M/$3M professional liability and $1M/$2M general liability. Medicare enrollment, state licensure, and employer credentialing all impose active malpractice coverage requirements.
Paving contractors operate under general contractor or specialty licensing requiring $500K–$1M GL, workers' comp, and a surety bond in most states.
State psychology boards rarely mandate PL insurance, but clinical practice and PSYPACT telehealth require $1M/$3M for licensed psychologists.
Gutter contractors operate under general contractor licensing that requires $300K–$1M general liability, workers' comp, and a surety bond in most states.
State social work boards rarely mandate professional liability, but duty-to-warn exposure and private practice require $1M/$3M coverage for LCSWs.
State pharmacy boards rarely mandate professional liability, but hospital credentialing and independent practice arrangements require $1M/$3M coverage.
Most state OT boards do not mandate professional liability insurance, but hospital credentialing, home health contracts, and independent contractor agreements routinely require $1M/$3M. Standard GL policies exclude professional services — OTs need a separate claims-made policy with continuous retroactive date 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.
Most state engineering boards do not mandate professional liability insurance for PE licensure — but client contracts, government procurement, and employers impose $1M/$2M as the standard minimum. Standard general liability explicitly excludes professional services, leaving PEs who carry only GL uninsured for design-error claims.
Non-owner auto insurance is required when an SR-22 or FR-44 filing is mandated and the driver does not own a vehicle — the certificate cannot exist without an underlying policy. Florida's FR-44 requires $100,000/$300,000 liability on a non-owner policy, more than 10 times the state's standard minimum.
Oregon is the only US state that legally requires attorneys to carry professional liability insurance. Every other state allows uninsured practice — but law firms, courts, and clients impose their own $1M/$3M requirements, and claims-made tail coverage gaps at firm departure are one of the most expensive surprises in the profession.
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.
Most employers and credentialing organizations require $1M/$3M professional liability for LCSWs, LPCs, MFTs, and psychologists. Claims-made policies are the industry standard — tail coverage is essential at every employer transition, and several state licensing boards require proof of coverage at renewal.
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.
38 states have dram shop statutes that create direct civil liability for serving alcohol to intoxicated patrons — and most state alcohol control boards require $1M liquor liability as a condition of licensing. Standard GL policies explicitly exclude liquor liability.
Most licensing states require contractor license bonds of $5,000–$25,000 as a condition of licensure. California requires $25,000 (CSLB); Washington requires $12,000 (L&I); federal projects over $150,000 require performance and payment bonds under the Miller Act.
Most states require $1M GL for an irrigation contractor license. Completed operations water damage — leaking zone valves and burst laterals — is the highest-frequency claim type, and backflow preventer failures create contamination liability that can reach far beyond the cost of the original installation.
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.
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.
Welding contractors need general liability and workers compensation — fire damage from stray sparks and long-tail occupational disease claims from metal fumes make this trade a distinct insurance risk.
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.
Over-wetting, chemical damage, and equipment-caused water intrusion are the top GL claims for carpet cleaners — and commercial property managers require $1M GL plus workers' comp before dispatching a single work order.
Interior designers need both professional liability (E&O) and general liability — E&O covers specification errors and procurement mistakes, while GL covers physical accidents during client visits and on-site supervision.
FMCSA requires commercial motor carriers to file proof of financial responsibility ranging from $300,000 for light non-hazmat freight to $5,000,000 for bulk hazardous materials — and authority is suspended the moment the BMC-91 filing lapses.
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.
Most states require $500K–$1M general liability insurance to obtain a commercial pesticide applicator license. Standard GL policies exclude pesticide pollution claims — operators also need Contractors Pollution Liability to cover chemical drift and fumigation exposure.
Most states require licensed home health agencies to carry $1M professional liability and abuse & molestation coverage as a condition of licensure. Independent caregivers and registry workers often have no employer coverage at all.
Every state requires a separate license before any agent can sell insurance — and the requirements vary from 0 pre-licensing hours (Arizona) to 200 hours (Florida). Here's what licenses, E&O coverage, bonds, and CE you actually need.
A certificate of insurance (COI) proves coverage exists but does not create it — and "additional insured" on a certificate means nothing without an actual policy endorsement. Here's what landlords, GCs, and municipalities require and how to comply.
No single federal law mandates E&O insurance for all financial advisors — but FINRA requires fidelity bonds for broker-dealers, several states require E&O for state-registered RIAs, and clients expect it regardless.
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.
Tow trucks require commercial auto liability ($300K–$750K under FMCSA), on-hook coverage for vehicles in transport, and garage keepers liability for impound operations. Motor club contracts often require $1M.
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.
Georgia has no state law requiring homeowners insurance, but mortgage lenders on FHA, VA, and conventional loans require it — typically at replacement cost value with $100,000+ liability coverage.
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.
40+ states have TNC laws setting rideshare insurance minimums. New York City requires $1.5M liability — the highest in the US. Delivery drivers are largely not covered by these laws. Period 1 (app on, no passenger) remains the biggest coverage gap.
Texas, Colorado, and Kansas have no statewide GC license. California requires a Class B exam, a $25,000 bond, and makes unlicensed contracting a misdemeanor. Here's how every state's system compares — and what insurance comes with each.
Most states require workers' comp at 1 employee. Alabama, Mississippi, and Missouri don't require it until 5. Texas is the only state where it's entirely optional — and the only state where non-subscriber employers lose their key legal defenses.
SR-22 duration ranges from 1 year (North Dakota) to 5 years (Nebraska and Tennessee DUI). Four states don't use SR-22 at all. Florida and Virginia use FR-44 for DUI — requiring 00,000/$300,000 liability, not just state minimums.
Most licensed states require contractors to carry both a surety bond and liability insurance — but they serve completely different purposes. Bond amounts range from $2,500 in Arizona to $2,000,000 in Nevada for large contractors.
19 states mandate uninsured motorist coverage — you can't legally drive without it. Another 28 require it to be offered but let you reject it in writing. Mississippi has a 29% uninsured driver rate and no UM mandate.
Virginia, Florida, and Massachusetts impose the toughest consequences for uninsured driving — from $5,000 fines to mandatory imprisonment. This ranking compares penalties across all 50 states on fines, suspensions, impoundment, and SR-22 duration.
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.
California, Illinois, and New York offer the strongest insurance protections for rideshare and delivery drivers. This ranking compares TNC law strength, Period 1 minimums, delivery inclusion, and endorsement availability across all states.
Interstate movers must carry $750,000 auto liability under FMCSA rules plus a $10,000 surety bond. State rules for intrastate movers vary — and cargo insurance is required separately from auto liability.
Florida, Iowa, and New Jersey require the least from drivers. This ranking compares minimum auto insurance requirements across all states and explains the real-world trade-offs of low mandated minimums.
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.
Pressure washing creates high property damage risk on every job. General liability, commercial auto, and equipment coverage are essential — and most GL policies exclude chemical runoff claims without a pollution endorsement.
Massage therapists need professional liability, general liability, and abuse/molestation coverage. Independent contractors at spas are almost never covered by the employer's policy — they must carry their own.
No law universally requires personal trainer insurance, but gyms, certification bodies, and studio leases almost always do. Learn what GL and professional liability cover, costs, and why independent contractors are most at risk.
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 during active rides but leaves a dangerous gap during Period 1 when the app is on with no passenger. Here's what every Lyft driver actually needs.
Workers' comp is required in 49 states. Texas is the only state where it's voluntary. Learn employee thresholds by state, industry rules, penalties for non-compliance, and how premiums are calculated.
FR-44 is required in Florida and Virginia after DUI convictions. Learn what coverage is required, how it differs from SR-22, how long you must maintain it, and what it costs.
Sole traders face different insurance requirements than corporations. Learn what coverage is legally required in the US, UK, and Australia, what clients demand, and how to protect personal assets.
Tattoo shops need general liability, professional liability, and often property coverage. Learn what insurance tattoo parlors require for licensing and protection.
Many landlords require renters insurance as a lease condition. Learn what coverage is typically required, average costs, and what renters insurance actually covers.
HOAs need master policies covering common areas, liability, and D&O. Learn what coverage associations must carry, what individual owners need, and typical policy costs.
Photographers need general liability, E&O, and equipment coverage. Learn what insurance venues require, typical costs, and coverage by photography specialization.
Gyms need general liability, professional liability, and workers' comp insurance. Learn what coverage fitness centers need, typical costs, and landlord requirements.
Event planners need general liability and E&O insurance for vendor contracts and client protection. Learn coverage requirements, typical costs, and event-specific policies.
Real estate agents need E&O and general liability insurance for licensing and brokerage contracts. Learn coverage requirements, typical costs, and state-by-state rules.
Wedding venues need general liability, property insurance, and liquor liability if serving alcohol. Learn coverage requirements, typical costs, and what couples expect.
Architects need professional liability (E&O) and general liability insurance for licensing and contracts. Learn coverage requirements, typical costs, and state-by-state rules.
Property managers need E&O and general liability insurance to protect against lawsuits. Learn coverage requirements, typical costs, and what property owners require.
Hotels need general liability, property insurance, and liquor liability if serving alcohol. Learn coverage requirements, typical costs, and lender/franchisor requirements.
Owner-operators need $750,000-$1,000,000+ liability depending on cargo. Learn FMCSA requirements, how to get authority, costs, and coverage you actually need.
Restaurants need general liability, workers' comp, and liquor liability if serving alcohol. Learn coverage requirements, typical costs, and state-specific rules.
Commercial trucks need $750,000-$5,000,000 liability depending on cargo. Learn FMCSA requirements, how to file Form MCS-90, owner-operator coverage, and how to get authority.
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.
SR-22 is a certificate proving you carry required auto insurance. Learn when it's required, how long you need it, costs, and how to file in your state.
Commercial trucks need $750,000-$5,000,000 liability depending on cargo. Learn FMCSA requirements, DOT filings, owner-operator coverage, and how to get authority.
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.
Uber Eats covers $1M liability during active deliveries but does NOT include collision coverage — unlike Uber rideshare. Learn exactly what's required, what gaps exist, and the $15-40/month fix.
DoorDash provides $1M liability during active deliveries — but won't cover your vehicle and leaves a dangerous gap when the app is on with no order. Here's what Dashers actually need.
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This collection features 142 carefully researched guides for compliance 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.
