Insurance requirement guides for workers-comp.
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.
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.
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.
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.
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.
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.
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 need general liability, workers' comp, and liquor liability if serving alcohol. Learn coverage requirements, typical costs, and state-specific rules.
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.
Roofing contractors face higher insurance requirements due to elevated risk. Learn what coverage roofers need, typical costs, and state-by-state requirements.
Most states require licensed daycares to carry liability insurance. Learn coverage requirements for centers and home daycares, typical costs, and state-by-state rules.
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 34 carefully researched guides for workers-comp 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.