Insurance requirement guides for workers-comp.
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 20 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.