Insurance requirement guides for Workers’ Compensation.
UK employers need £5m of employers' liability cover. A one-director company is exempt only if its single employee owns 50%+ of the shares; two directors are not.
Deck collapse claims often surface years after construction, making products/completed operations coverage more important than the general liability limit itself. See workers' comp thresholds and permit-tied insurance rules.
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.
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.
Insulation contractors performing spray foam work need pollution coverage — standard GL policies exclude isocyanate off-gassing claims under the pollution exclusion. Workers' comp is required for all employees; asbestos abatement requires a completely separate specialty policy.
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.
Demolition contractors face some of the highest insurance costs in construction — structural collapse, asbestos exposure, and debris claims require $2M/$4M GL, Code 5057 workers' comp, and Contractor's Pollution Liability for any pre-1978 structure.
Tile contractors need $1M/$2M general liability and statutory workers' compensation under NCCI Code 5348 to access job sites. Completed operations water infiltration and OSHA's Silica Standard create the distinct insurance profile of the tile trade.
Framing contractors need $1M GL, statutory workers' comp under NCCI Code 5645, and commercial auto to access most GC job sites. Framing carries one of the highest WC rates in construction — $10–$22 per $100 payroll — due to fall risk and nail gun injuries.
Excavation contractors face some of the highest workers comp rates in construction — cave-ins, equipment rollovers, and utility strikes drive $1M GL and Code 6217 WC requirements on every commercial dig.
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.
Masonry contractors typically need general liability at $1M per occurrence, workers comp, and a surety bond for state licensing. Completed operations coverage is essential given the latent structural claim risk from brick, block, and stone work.
Flooring contractors need general liability, workers compensation, and a license bond in many states. Moisture damage and subfloor claims are the top GL exposure — commercial property managers require $1M coverage before dispatching work.
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.
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.
General liability is not legally required for window cleaners but is contractually mandatory for virtually every commercial account. High-rise work above 4 stories requires specialty underwriting — standard GL carriers often won't write it.
Most states require concrete contractors to carry $1M general liability insurance to obtain a license. Here's what coverage you need, how bond requirements vary by state, and what happens if you work uninsured.
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.
Workers' comp is required from 1 to 5 employees depending on the state — 3 in Georgia and Michigan, 4 in Florida, 5 in Alabama, Mississippi, Missouri and Tennessee — with lower construction thresholds in several. Texas is the only state where private employers can opt out.
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.
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.
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.
Gyms need general liability, professional liability, and workers' comp insurance. Learn what coverage fitness centers need, typical costs, and landlord requirements.
Wedding venues need general liability, property insurance, and liquor liability if serving alcohol. Learn coverage requirements, typical costs, and what couples expect.
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.
Most states don't require painter insurance, but clients do. Learn what general liability, workers' comp, and commercial auto coverage painters need, plus typical costs.
Hotels need general liability, property insurance, and liquor liability if serving alcohol. Learn coverage requirements, typical costs, and lender/franchisor 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.
Tree service businesses need general liability, workers' comp, and equipment coverage due to high-risk work. Learn requirements, typical costs, and state licensing rules.
Most states don't require landscaper insurance, but clients do. Learn what coverage landscaping businesses need, typical costs, and state licensing requirements.
Most bakeries are legally required to carry only workers' comp. Liability cover comes from leases and markets, and home bakers answer to cottage food caps: $250,000 in Florida, $75,000–$150,000 in California.
Roofing contractors face higher insurance requirements due to elevated risk. Learn what coverage roofers need, typical costs, and state-by-state requirements.
Texas requires $300,000 per occurrence of licensed daycares, but lets uninsured providers operate after telling parents. California homes can use parent affidavits instead of insurance.
Most states require general contractors to carry liability insurance and surety bonds. Learn coverage requirements, typical costs, and what commercial clients expect.
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This collection features 35 carefully researched guides for Workers’ Compensation 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.
