Small-business insurance requirements, straight from the official sources
120 occupation-state pages covering 12 occupations in the 10 biggest states. Every verified requirement carries the exact wording from a state statute, licensing board or workers'-compensation agency page, plus the date a machine last re-found it there (2026-09-05). Anything the official pages don't state is marked that way — never guessed.
This site publishes requirements — what
the law and the boards demand — not advice. It names no insurance products
and ranks no insurers. What it is good for: knowing, with sources, which
coverages and bonds a state actually requires before you talk to anyone.
By occupation
- General contractor
- Electrician
- Plumber
- HVAC contractor
- Roofing contractor
- Handyman
- Landscaper
- Cleaning service
- Food truck
- Photographer
- Freelance consultant
- Personal trainer