# CoverMatch > CoverMatch (covermatch.insure) is an insurtech platform for small businesses in the United States: a policy wallet, live certificates of insurance and insurance matching, run by software with licensed producers behind every regulated step. Owners bring in the policies they already have (scan, upload, forward), control them in one place (renewal dates, documents, live certificates of insurance) and get matched to new or better coverage. CoverMatch is a trade name of Provident Financial Group, a licensed insurance agency (NPN 14304909). Licensed jurisdictions: AZ, CA, CT, DC, DE, FL, GA, IN, KS, KY, MA, MD, MI, NC, NJ, NV, NY, OH, PA, SC, TX, VA, VT. Outside these states the wallet and live certificates work; quoting joins a waitlist. ## Quote requests from AI assistants An assistant acting for a business owner can request quotes by email. Send to quotes@covermatch.insure with these fields (plain text or JSON): legal business name, what the business does, primary state and ZIP, year started, approximate annual revenue, number of employees (payroll if workers' compensation is wanted), lines wanted (general liability, business owner's policy, workers' compensation, commercial auto, professional liability, cyber, umbrella), needed-by date, contact name, email and mobile, and whether the owner consents to contact by email and text. We reply with a secure link to finish anything missing and a status page. Human intake form: https://covermatch.insure/quote. Details: https://covermatch.insure/quote-by-email. ## Key pages ### Answer - [Can I cancel a business insurance policy early?](https://covermatch.insure/answers/can-i-cancel-a-business-insurance-policy-early): Yes. You can cancel most business policies mid-term by signing a cancellation request. The carrier refunds unearned premium either pro-rata or short-rate (a pen... - [Is a certificate holder the same as an additional insured?](https://covermatch.insure/answers/certificate-of-insurance-vs-additional-insured): No. A certificate holder is simply the person or company the certificate is addressed to; being listed gives them information, not coverage. An additional insur... - [Does general liability cover my employees?](https://covermatch.insure/answers/does-general-liability-cover-employees): No. General liability pays when your business injures a customer, visitor or other third party or damages their property. Injuries to your own employees at work... - [Do I need commercial auto if I use my own car for work?](https://covermatch.insure/answers/do-i-need-commercial-auto-for-my-personal-vehicle): It depends on the use. Occasional errands in a personal car are usually within a personal policy, but regular deliveries, carrying tools or equipment, transport... - [How long is a certificate of insurance valid?](https://covermatch.insure/answers/how-long-does-a-certificate-of-insurance-last): A certificate is a snapshot: it reflects the policies as they stood on the date it was issued, and it carries each policy's expiration date. It is not valid pas... - [How much general liability do I need?](https://covermatch.insure/answers/how-much-general-liability-do-i-need): Start from your contracts. Leases, client agreements and general contractor requirements most often ask for $1M per occurrence and $2M aggregate, and that pair... - [How do I switch agents without changing my policy?](https://covermatch.insure/answers/how-to-switch-insurance-agents): You sign a broker of record (BOR) letter appointing the new agent for a named policy and the new agent sends it to the carrier. After a short waiting period — c... - [What does my landlord need from my insurance?](https://covermatch.insure/answers/what-does-a-landlord-need-from-my-insurance): Most commercial leases require general liability at stated limits with the landlord (and often its lender and manager) as additional insured, property coverage... - [What is a business owner's policy?](https://covermatch.insure/answers/what-is-a-business-owners-policy): A business owner's policy is a package for small businesses that combines general liability, property coverage for your contents and improvements, and business... - [What is an experience modification rate?](https://covermatch.insure/answers/what-is-an-experience-modification-rate): An experience modification rate is a factor applied to your workers' compensation premium that compares your claims over a three-year window with businesses of... - [What is a waiver of subrogation?](https://covermatch.insure/answers/what-is-a-waiver-of-subrogation): Subrogation is your insurer's right, after paying your claim, to pursue whoever caused the loss. A waiver of subrogation is an endorsement in which the insurer... - [What does primary and non-contributory mean?](https://covermatch.insure/answers/what-is-primary-and-noncontributory): Primary means your liability policy responds first to a covered claim that also involves the party you contracted with. Non-contributory means your insurer will... ### Checklist - [The accounting firm insurance checklist](https://covermatch.insure/checklist/accounting-firms): Accounting firms usually carry professional liability (E&O), general liability and cyber liability. Accounting firms sign returns and financial statements that... - [The active adult community association insurance checklist](https://covermatch.insure/checklist/active-adult-communities): Active adult communities usually carry commercial property, general liability and directors & officers. Active adult community associations run clubhouses, pool... - [The acupuncture practice insurance checklist](https://covermatch.insure/checklist/acupuncturists): Acupuncturists usually carry professional liability (E&O), general liability and cyber liability. Acupuncture practices insert needles under state licenses, oft... - [The adult day care center insurance checklist](https://covermatch.insure/checklist/adult-day-care-centers): Adult day care centers usually carry general liability, abuse & molestation and directors & officers. Adult day centers care for seniors and adults with dementi... - [The adult rec league insurance checklist](https://covermatch.insure/checklist/adult-recreational-sports-leagues): Adult recreational sports leagues usually carry general liability, participant accident and liquor liability. Adult social sports leagues book fields and bar sp... - [The after-school program insurance checklist](https://covermatch.insure/checklist/after-school-programs): After-school programs usually carry general liability, abuse & molestation and professional liability (E&O). After-school programs take custody of children from... - [The farm insurance checklist](https://covermatch.insure/checklist/agriculture-farms): Agriculture & farms usually carry farm & agribusiness, workers' compensation and commercial auto. Farms combine land, buildings, machinery, animals and produce... - [The appliance repair company insurance checklist](https://covermatch.insure/checklist/appliance-repair): Appliance repair services usually carry general liability, workers' compensation and commercial auto. Appliance technicians repair gas ranges, dryers and refrig... - [The architecture or engineering firm insurance checklist](https://covermatch.insure/checklist/architects-engineers): Architects & engineers usually carry professional liability (E&O), general liability and cyber liability. Design firms stamp drawings that buildings are built f... - [The art handling company insurance checklist](https://covermatch.insure/checklist/art-handlers): Art handlers usually carry bailee / customers' property, general liability and commercial auto. Art handlers crate, transport, store and install works whose val... - [The artificial turf installer insurance checklist](https://covermatch.insure/checklist/artificial-turf-installers): Artificial turf installers usually carry general liability, workers' compensation and commercial auto. Turf installers excavate, grade, lay base and seam synthe... - [The sealcoating contractor insurance checklist](https://covermatch.insure/checklist/asphalt-sealcoating): Asphalt sealcoating usually carry general liability, workers' compensation and commercial auto. Sealcoating crews spray and squeegee coal-tar or asphalt emulsio... - [The assisted living community insurance checklist](https://covermatch.insure/checklist/assisted-living): Assisted living usually carry professional liability (E&O), general liability and abuse & molestation. Assisted living communities house and care for residents... - [The auto detailing shop insurance checklist](https://covermatch.insure/checklist/auto-detailing): Auto detailing usually carry garage liability, workers' compensation and commercial property. Detail shops hold customers' cars for hours or days, buff paint wi... - [The auto glass shop insurance checklist](https://covermatch.insure/checklist/auto-glass-shops): Auto glass shops usually carry garage liability, workers' compensation and commercial property. Auto glass shops replace windshields that are structural parts o... - [The auto repair & detailing insurance checklist](https://covermatch.insure/checklist/auto-services): An auto repair, body or detailing shop needs a garage liability policy for its operations, garagekeepers coverage for customers' vehicles in its care, property... - [The axe throwing venue insurance checklist](https://covermatch.insure/checklist/axe-throwing-venues): Axe throwing venues usually carry general liability, liquor liability and commercial property. Axe throwing venues hand sharp tools to customers who are often d... - [The bagel shop insurance checklist](https://covermatch.insure/checklist/bagel-shops): Bagel shops usually carry business owner's policy, workers' compensation and hired & Non-Owned auto. Bagel shops boil and bake overnight, run a fast morning rus... - [The banquet hall insurance checklist](https://covermatch.insure/checklist/banquet-halls): Banquet halls usually carry general liability, commercial property and liquor liability. Banquet halls run their own kitchens and bars for events they host ever... - [The cosmetology school insurance checklist](https://covermatch.insure/checklist/barber-cosmetology-schools): Barber & cosmetology schools usually carry business owner's policy, professional liability (E&O) and workers' compensation. Cosmetology schools let students pra... - [The barbershop insurance checklist](https://covermatch.insure/checklist/barbershops): Barbershops usually carry business owner's policy, professional liability (E&O) and workers' compensation. Barbershops shave with straight razors, cut for walk-... - [The bar insurance checklist](https://covermatch.insure/checklist/bars-taverns): Bars & taverns usually carry liquor liability, business owner's policy and workers' compensation. A bar sells the one product general liability refuses to cover... - [The bartending service insurance checklist](https://covermatch.insure/checklist/bartending-services): Bartending services usually carry liquor liability, general liability and workers' compensation. Mobile bartending services pour at weddings and corporate event... - [The bike shop insurance checklist](https://covermatch.insure/checklist/bicycle-shops): Bicycle shops usually carry business owner's policy, workers' compensation and commercial crime. Bike shops sell and repair machines that people ride into traff... - [The blind and shade installer insurance checklist](https://covermatch.insure/checklist/blind-shade-installers): Blind & shade installers usually carry general liability, workers' compensation and commercial auto. Window treatment installers measure and hang blinds, shades... - [The bookkeeping business insurance checklist](https://covermatch.insure/checklist/bookkeepers): Bookkeepers usually carry professional liability (E&O), cyber liability and general liability. Bookkeepers hold the keys to clients' bank accounts and payroll,... - [The bounce house rental company insurance checklist](https://covermatch.insure/checklist/bounce-house-rentals): Bounce house rentals usually carry general liability, inland marine / equipment and commercial auto. Bounce house companies rent inflatables to backyards and pa... - [The brewery insurance checklist](https://covermatch.insure/checklist/breweries-brewpubs): Breweries & brewpubs usually carry general liability, liquor liability and product liability. Breweries make and serve alcohol under federal and state permits,... - [The bubble tea shop insurance checklist](https://covermatch.insure/checklist/bubble-tea-shops): Bubble tea shops usually carry business owner's policy, workers' compensation and hired & Non-Owned auto. Bubble tea shops cook tapioca in large pots, run seali... - [The buffet restaurant insurance checklist](https://covermatch.insure/checklist/buffets): Buffets usually carry business owner's policy, workers' compensation and hired & Non-Owned auto. Buffets hold food at temperature in front of customers who serv... - [The butcher shop insurance checklist](https://covermatch.insure/checklist/butcher-shops): Butcher shops usually carry general liability, product liability and commercial property. Butcher shops cut and grind meat on saws and grinders that cause the t... - [The cabinet maker insurance checklist](https://covermatch.insure/checklist/cabinet-makers): Cabinet makers usually carry general liability, commercial property and workers' compensation. Cabinet makers run a shop full of saws, dust and finishing chemic... - [The cabinet refinisher insurance checklist](https://covermatch.insure/checklist/cabinet-refinishing): Cabinet refinishing usually carry general liability, workers' compensation and commercial auto. Cabinet refinishers spray lacquers and conversion varnishes insi... - [The café insurance checklist](https://covermatch.insure/checklist/cafes-bakeries): Cafés & bakeries usually carry business owner's policy, workers' compensation and hired & Non-Owned auto. Cafés and bakeries open before dawn, run ovens and esp... - [The chocolatier insurance checklist](https://covermatch.insure/checklist/candy-stores-chocolatiers): Candy stores & chocolatiers usually carry business owner's policy, workers' compensation and commercial crime. Candy stores and chocolatiers make and sell produ... - [The carpentry contractor insurance checklist](https://covermatch.insure/checklist/carpenters): Carpenters usually carry general liability, workers' compensation and commercial auto. Carpentry contractors frame, trim and finish for general contractors and... - [The carpet cleaning company insurance checklist](https://covermatch.insure/checklist/carpet-upholstery-cleaning): Carpet & upholstery cleaning usually carry general liability, workers' compensation and commercial auto. Carpet cleaners run truck-mounted machines in homes and... - [The car wash insurance checklist](https://covermatch.insure/checklist/car-washes): Car washes usually carry garage liability, commercial property and workers' compensation. Car washes run conveyors and brushes that scratch mirrors and tear ant... - [The caterer insurance checklist](https://covermatch.insure/checklist/catering): Catering usually carry general liability, liquor liability and commercial auto. Caterers cook in a commissary and serve somewhere else, bring staff, equipment a... - [The daycare & childcare insurance checklist](https://covermatch.insure/checklist/childcare): A childcare center or preschool needs general liability with abuse and molestation coverage, professional liability for the care and instruction it provides, pr... - [The chimney repair contractor insurance checklist](https://covermatch.insure/checklist/chimney-repair-contractors): Chimney repair contractors usually carry general liability, workers' compensation and commercial auto. Chimney repair contractors work on the highest and most e... - [The chimney sweep insurance checklist](https://covermatch.insure/checklist/chimney-sweeps): Chimney sweeps usually carry general liability, workers' compensation and commercial auto. Chimney sweeps clean and inspect flues that carry fire, write inspect... - [The chiropractic practice insurance checklist](https://covermatch.insure/checklist/chiropractors): Chiropractors usually carry medical professional liability, general liability and cyber liability. Chiropractic practices adjust spines with hands and tables, o... - [The cidery insurance checklist](https://covermatch.insure/checklist/cideries-meaderies): Cideries & meaderies usually carry general liability, liquor liability and product liability. Cideries and meaderies ferment fruit and honey in small facilities... - [The cleaning & janitorial insurance checklist](https://covermatch.insure/checklist/cleaning): A cleaning or janitorial business needs general liability, workers' compensation as soon as it has staff, and a janitorial (third-party fidelity) bond or crime... - [The closet organizer installer insurance checklist](https://covermatch.insure/checklist/closet-organizer-installers): Closet organizer installers usually carry general liability, workers' compensation and commercial auto. Closet and organizer installers design, cut and install... - [The coffee roaster insurance checklist](https://covermatch.insure/checklist/coffee-roasters): Coffee roasters usually carry general liability, product liability and commercial property. Coffee roasters run gas-fired drums that start chaff fires, sell who... - [The commercial condominium association insurance checklist](https://covermatch.insure/checklist/commercial-condominium-associations): Commercial condominium associations usually carry commercial property, general liability and directors & officers. Commercial condominium associations insure th... - [The commercial janitorial company insurance checklist](https://covermatch.insure/checklist/commercial-janitorial-services): Commercial janitorial services usually carry general liability, workers' compensation and commercial crime. Commercial janitorial companies clean offices and bu... - [The commercial snow plowing company insurance checklist](https://covermatch.insure/checklist/commercial-snow-plowing): Commercial snow plowing usually carry general liability, commercial auto and workers' compensation. Commercial snow contractors sign agreements that make them r... - [The commissary kitchen insurance checklist](https://covermatch.insure/checklist/commissary-shared-kitchens): Commissary & shared kitchens usually carry general liability, commercial property and business income. Commissary and shared kitchens rent production space by t... - [The community association insurance checklist](https://covermatch.insure/checklist/community-associations): Community associations usually carry commercial property, general liability and directors & officers. A community association insures common property it does no... - [The community center insurance checklist](https://covermatch.insure/checklist/community-centers): Community centers usually carry general liability, abuse & molestation and directors & officers. Community centers run youth programs, senior lunches, gyms, ren... - [The competitive cheer team insurance checklist](https://covermatch.insure/checklist/competitive-cheer-dance-teams): Competitive cheer & dance teams usually carry general liability, abuse & molestation and participant accident. All-star cheer and dance programs train stunts an... - [The concession stand insurance checklist](https://covermatch.insure/checklist/concession-stands): Concession stands usually carry general liability, product liability and commercial property. Concession stands operate inside someone else's venue under a conc... - [The condominium association insurance checklist](https://covermatch.insure/checklist/condominium-associations): Condominium associations usually carry commercial property, general liability and directors & officers. A condominium association insures the building its owner... - [The contractor insurance checklist](https://covermatch.insure/checklist/contractors): A contractor almost always needs general liability (with completed-operations coverage), workers' compensation once anyone is on payroll, commercial auto for th... - [The convenience store insurance checklist](https://covermatch.insure/checklist/convenience-stores): Convenience stores usually carry business owner's policy, workers' compensation and commercial crime. Convenience stores sell alcohol, tobacco and lottery over... - [The corporate training firm insurance checklist](https://covermatch.insure/checklist/corporate-training-firms): Corporate training firms usually carry professional liability (E&O), general liability and cyber liability. Corporate trainers deliver programs at clients' site... - [The cottage food producer insurance checklist](https://covermatch.insure/checklist/cottage-food-producers): Cottage food producers usually carry general liability, product liability and commercial property. Cottage food producers bake and preserve in home kitchens und... - [The counseling nonprofit insurance checklist](https://covermatch.insure/checklist/counseling-nonprofits): Counseling nonprofits usually carry professional liability (E&O), general liability and directors & officers. Counselling nonprofits offer therapy on sliding sc... - [The countertop installer insurance checklist](https://covermatch.insure/checklist/countertop-installers): Countertop installers usually carry general liability, commercial property and workers' compensation. Countertop fabricators cut and polish stone and engineered... - [The court reporting firm insurance checklist](https://covermatch.insure/checklist/court-reporters): Court reporters usually carry professional liability (E&O), general liability and cyber liability. Court reporters produce the record that appeals and verdicts... - [The crisis hotline organization insurance checklist](https://covermatch.insure/checklist/crisis-hotline-victim-services): Crisis hotline & victim services organizations usually carry professional liability (E&O), general liability and directors & officers. Crisis lines and victim s... - [The functional fitness gym insurance checklist](https://covermatch.insure/checklist/crossfit-gyms): CrossFit & functional fitness gyms usually carry general liability, professional liability (E&O) and workers' compensation. Functional fitness gyms coach barbel... - [The dance studio insurance checklist](https://covermatch.insure/checklist/dance-studios): Dance studios usually carry general liability, abuse & molestation and professional liability (E&O). Dance studios teach children for years at a time, stage rec... - [The data processing company insurance checklist](https://covermatch.insure/checklist/data-processing-services): Data processing services usually carry technology E&O, cyber liability and general liability. Data processing companies hold and transform clients' records, fro... - [The daycare center insurance checklist](https://covermatch.insure/checklist/daycare-centers): Daycare centers usually carry general liability, abuse & molestation and professional liability (E&O). Licensed daycare centers care for dozens of children unde... - [The day spa insurance checklist](https://covermatch.insure/checklist/day-spas): Day spas usually carry business owner's policy, professional liability (E&O) and workers' compensation. Day spas offer massage, facials, waxing and body treatme... - [The deck builder insurance checklist](https://covermatch.insure/checklist/deck-builders): Deck builders usually carry general liability, workers' compensation and commercial auto. Deck builders build elevated structures that people gather on, attach... - [The deli insurance checklist](https://covermatch.insure/checklist/delis-sandwich-shops): Delis & sandwich shops usually carry business owner's policy, workers' compensation and hired & Non-Owned auto. Delis and sandwich shops run slicers that cause... - [The delivery & trucking insurance checklist](https://covermatch.insure/checklist/delivery-trucking): A delivery or trucking business needs commercial auto liability at the limits its contracts and regulators require, physical damage on owned vehicles, cargo cov... - [The demolition contractor insurance checklist](https://covermatch.insure/checklist/demolition-contractors): Demolition contractors usually carry general liability, workers' compensation and commercial auto. Demolition contractors bring structures down with machines an... - [The dental lab insurance checklist](https://covermatch.insure/checklist/dental-labs): Dental labs usually carry product liability, general liability and commercial property. Dental labs manufacture crowns, dentures and appliances to dentists' pre... - [The dental practice insurance checklist](https://covermatch.insure/checklist/dental-practices): Dental practices usually carry medical professional liability, general liability and cyber liability. Dental practices own expensive chairs, imaging and sterili... - [The dessert bar insurance checklist](https://covermatch.insure/checklist/dessert-bars-cupcake-shops): Dessert bars & cupcake shops usually carry business owner's policy, workers' compensation and hired & Non-Owned auto. Dessert bars and cake shops sell custom ca... - [The dietitian practice insurance checklist](https://covermatch.insure/checklist/dietitians-nutritionists): Dietitians & nutritionists usually carry professional liability (E&O), general liability and cyber liability. Dietitians advise clients with medical conditions,... - [The media production company insurance checklist](https://covermatch.insure/checklist/digital-media-production): Digital content & media production usually carry media liability, general liability and inland marine / equipment. Media production companies shoot and publish... - [The diner insurance checklist](https://covermatch.insure/checklist/diners-breakfast-restaurants): Diners & breakfast restaurants usually carry business owner's policy, workers' compensation and hired & Non-Owned auto. Diners open earliest, run flat-tops and... - [The distillery insurance checklist](https://covermatch.insure/checklist/distilleries): Distilleries usually carry general liability, liquor liability and product liability. Distilleries boil flammable spirit in stills and age it in warehouses full... - [The document preparation service insurance checklist](https://covermatch.insure/checklist/document-preparation-services): Document preparation services usually carry professional liability (E&O), general liability and cyber liability. Document preparers assemble wills, filings and... - [The dog walking business insurance checklist](https://covermatch.insure/checklist/dog-walkers): Dog walkers usually carry general liability, bailee / customers' property and commercial crime. Dog walking businesses handle several clients' dogs at once on p... - [The domestic violence shelter insurance checklist](https://covermatch.insure/checklist/domestic-violence-shelters): Domestic violence shelters usually carry general liability, abuse & molestation and directors & officers. Domestic violence shelters hide their address, house p... - [The donut shop insurance checklist](https://covermatch.insure/checklist/donut-shops): Donut shops usually carry business owner's policy, workers' compensation and hired & Non-Owned auto. Donut shops start frying at three in the morning, run fryer... - [The driving school insurance checklist](https://covermatch.insure/checklist/driving-schools): Driving schools usually carry commercial auto, general liability and professional liability (E&O). Driving schools put instructors in cars with teenagers on pub... - [The drop-off caterer insurance checklist](https://covermatch.insure/checklist/drop-off-catering): Drop-off catering usually carry general liability, product liability and commercial auto. Drop-off caterers cook in a commissary and deliver trays and boxed lun... - [The dry cleaner insurance checklist](https://covermatch.insure/checklist/dry-cleaners): Dry cleaners usually carry business owner's policy, bailee / customers' property and pollution liability. Dry cleaners hold racks of other people's clothes, run... - [The dryer vent cleaning company insurance checklist](https://covermatch.insure/checklist/dryer-vent-cleaning): Dryer vent cleaning usually carry general liability, workers' compensation and commercial auto. Dryer vent cleaners clear lint from ducts that cause house fires... - [The drywall contractor insurance checklist](https://covermatch.insure/checklist/drywall-contractors): Drywall contractors usually carry general liability, workers' compensation and commercial auto. Drywall contractors run large, fast crews on stilts and lifts in... - [The duct cleaning company insurance checklist](https://covermatch.insure/checklist/duct-cleaning-services): Duct cleaning services usually carry general liability, workers' compensation and commercial auto. Duct cleaners run vacuum trucks and brushes through the air s... - [The dump truck operator insurance checklist](https://covermatch.insure/checklist/dump-truck-operators): Dump truck operators usually carry commercial auto, motor truck cargo and general liability. Dump truck operators haul aggregate, soil and asphalt between quarr... - [The early intervention program insurance checklist](https://covermatch.insure/checklist/early-childhood-intervention-programs): Early childhood intervention programs usually carry professional liability (E&O), general liability and abuse & molestation. Early intervention programs send th... - [The e-commerce business insurance checklist](https://covermatch.insure/checklist/ecommerce): E-commerce usually carry general liability, product liability and cyber liability. E-commerce sellers ship products they often did not make to customers they ne... - [The electrician insurance checklist](https://covermatch.insure/checklist/electricians): An electrical contractor needs general liability that includes completed operations, workers' compensation once anyone is on payroll, commercial auto for the va... - [The elevator inspection consultant insurance checklist](https://covermatch.insure/checklist/elevator-inspection-consultants): Elevator inspection consultants usually carry professional liability (E&O), general liability and commercial auto. Elevator inspectors and consultants certify e... - [The elevator service company insurance checklist](https://covermatch.insure/checklist/elevator-service): Elevator service & repair usually carry general liability, workers' compensation and commercial auto. Elevator contractors maintain and repair equipment that ca... - [The epoxy flooring contractor insurance checklist](https://covermatch.insure/checklist/epoxy-flooring-contractors): Epoxy flooring contractors usually carry general liability, workers' compensation and commercial auto. Epoxy and resinous flooring contractors grind concrete an... - [The concierge service insurance checklist](https://covermatch.insure/checklist/errand-concierge-services): Errand & concierge services usually carry general liability, hired & Non-Owned auto and commercial crime. Errand and concierge services run other people's lives... - [The escape room insurance checklist](https://covermatch.insure/checklist/escape-rooms): Escape rooms usually carry general liability, commercial property and workers' compensation. Escape rooms lock paying customers in built sets with props, electr... - [The estate cleanout company insurance checklist](https://covermatch.insure/checklist/estate-cleanout-services): Estate cleanout services usually carry general liability, workers' compensation and commercial auto. Estate cleanout companies empty homes for executors, realto... - [The esthetician studio insurance checklist](https://covermatch.insure/checklist/esthetician-skincare-studios): Esthetician & skincare studios usually carry business owner's policy, professional liability (E&O) and workers' compensation. Esthetician studios perform facial... - [The EV charger installer insurance checklist](https://covermatch.insure/checklist/ev-charger-installers): EV charger installers usually carry general liability, workers' compensation and commercial auto. EV charger installers run high-amperage circuits in garages an... - [The event planner insurance checklist](https://covermatch.insure/checklist/event-planners): Event planners usually carry professional liability (E&O), general liability and hired & Non-Owned auto. Event planners coordinate venues, vendors and budgets t... - [The event rental company insurance checklist](https://covermatch.insure/checklist/event-rental-companies): Event rental companies usually carry general liability, inland marine / equipment and commercial auto. Event rental companies deliver, set up and strike tables,... - [The excavation contractor insurance checklist](https://covermatch.insure/checklist/excavation-contractors): Excavation contractors usually carry general liability, workers' compensation and commercial auto. Excavation contractors move earth with machines worth more th... - [The farmers market vendor insurance checklist](https://covermatch.insure/checklist/farmers-market-vendors): Farmers market vendors usually carry general liability, product liability and inland marine / equipment. Market vendors sell produce, prepared foods and crafts... - [The fast food restaurant insurance checklist](https://covermatch.insure/checklist/fast-food-restaurants): Fast food restaurants (QSR) usually carry business owner's policy, workers' compensation and hired & Non-Owned auto. Quick-service restaurants run drive-through... - [The fencing contractor insurance checklist](https://covermatch.insure/checklist/fencing-contractors): Fencing contractors usually carry general liability, workers' compensation and commercial auto. Fence contractors dig post holes where utilities run, set posts... - [The figure skating club insurance checklist](https://covermatch.insure/checklist/figure-skating-clubs): Figure skating clubs usually carry general liability, abuse & molestation and participant accident. Skating clubs buy ice at rinks for freestyle sessions, run t... - [The financial advisory firm insurance checklist](https://covermatch.insure/checklist/financial-advisors): Financial advisors usually carry professional liability (E&O), cyber liability and general liability. Financial advisors manage money under fiduciary standards... - [The fine dining restaurant insurance checklist](https://covermatch.insure/checklist/fine-dining-restaurants): Fine dining restaurants usually carry business owner's policy, workers' compensation and liquor liability. Fine dining restaurants carry wine inventories worth... - [The fire damage restoration company insurance checklist](https://covermatch.insure/checklist/fire-damage-restoration): Fire damage restoration usually carry general liability, pollution liability and workers' compensation. Fire restorers board up, clean soot and odor, demolish a... - [The fire extinguisher service company insurance checklist](https://covermatch.insure/checklist/fire-extinguisher-services): Fire extinguisher services usually carry general liability, workers' compensation and commercial auto. Extinguisher and suppression service companies inspect an... - [The fire protection contractor insurance checklist](https://covermatch.insure/checklist/fire-protection-contractors): Fire protection contractors usually carry general liability, workers' compensation and commercial auto. Fire protection contractors design and install sprinkler... - [The gym & fitness studio insurance checklist](https://covermatch.insure/checklist/fitness): A gym or fitness studio needs general liability that covers participants, professional liability for instruction and training, property coverage for equipment a... - [The flag football league insurance checklist](https://covermatch.insure/checklist/flag-football-leagues): Flag football leagues usually carry general liability, abuse & molestation and participant accident. Flag football leagues grow fast, run on school fields and i... - [The fleet washing company insurance checklist](https://covermatch.insure/checklist/fleet-washing-services): Fleet washing services usually carry general liability, garage liability and workers' compensation. Fleet washers clean trucks and vans in customers' yards at n... - [The flooring installer insurance checklist](https://covermatch.insure/checklist/flooring-tile-installers): Flooring & tile installers usually carry general liability, workers' compensation and commercial auto. Flooring and tile installers work inside finished homes a... - [The florist insurance checklist](https://covermatch.insure/checklist/florists): Florists usually carry business owner's policy, workers' compensation and commercial auto. Florists keep perishable stock in coolers, deliver arrangements in va... - [The food bank insurance checklist](https://covermatch.insure/checklist/food-banks-pantries): Food banks & pantries usually carry general liability, product liability and commercial property. Food banks store and move donated food through warehouses and... - [The food cart insurance checklist](https://covermatch.insure/checklist/food-carts): Food carts usually carry general liability, product liability and inland marine / equipment. A food cart is the smallest food business there is, parked on a cor... - [The food manufacturer insurance checklist](https://covermatch.insure/checklist/food-manufacturers): Food manufacturers usually carry general liability, product liability and commercial property. Food manufacturers run plants under federal food-safety rules, su... - [The food truck insurance checklist](https://covermatch.insure/checklist/food-trucks): Food trucks usually carry general liability, commercial auto and inland marine / equipment. A food truck is a kitchen, a vehicle and a storefront at once, with... - [The foster care agency insurance checklist](https://covermatch.insure/checklist/foster-care-adoption-agencies): Foster care & adoption agencies usually carry general liability, abuse & molestation and directors & officers. Foster care and adoption agencies place children... - [The foundation repair contractor insurance checklist](https://covermatch.insure/checklist/foundation-repair-contractors): Foundation repair contractors usually carry general liability, workers' compensation and commercial auto. Foundation repair contractors lift and underpin houses... - [The freight broker insurance checklist](https://covermatch.insure/checklist/freight-brokers): Freight brokers usually carry professional liability (E&O), motor truck cargo and general liability. Freight brokers arrange carriage without owning a truck, po... - [The garage door installer insurance checklist](https://covermatch.insure/checklist/garage-door-installers): Garage door installers usually carry general liability, workers' compensation and commercial auto. Garage door installers work with torsion springs that store e... - [The garage floor coating company insurance checklist](https://covermatch.insure/checklist/garage-floor-coating): Garage floor coating usually carry general liability, workers' compensation and commercial auto. Garage floor coating companies grind and coat residential garag... - [The gas station insurance checklist](https://covermatch.insure/checklist/gas-stations): Gas stations usually carry business owner's policy, pollution liability and workers' compensation. Gas stations store fuel in underground tanks under environmen... - [The gated community association insurance checklist](https://covermatch.insure/checklist/gated-communities): Gated communities usually carry commercial property, general liability and directors & officers. Gated community associations own private roads and gates, emplo... - [The general contractor insurance checklist](https://covermatch.insure/checklist/general-contractors): General contractors usually carry general liability, workers' compensation and commercial auto. A general contractor signs the prime contract, hires the subs, p... - [The generator installer insurance checklist](https://covermatch.insure/checklist/generator-installers): Generator installers usually carry general liability, workers' compensation and commercial auto. Generator installers combine electrical, gas-fitting and someti... - [The ghost kitchen insurance checklist](https://covermatch.insure/checklist/ghost-kitchens): Ghost kitchens usually carry business owner's policy, workers' compensation and hired & Non-Owned auto. A ghost kitchen cooks for delivery apps only, often insi... - [The glazing contractor insurance checklist](https://covermatch.insure/checklist/glass-glazing-contractors): Glass & glazing contractors usually carry general liability, workers' compensation and commercial auto. Glazing contractors install storefronts, curtain wall an... - [The graphic design studio insurance checklist](https://covermatch.insure/checklist/graphic-designers): Graphic designers usually carry professional liability (E&O), media liability and general liability. Graphic designers produce logos, packaging and campaigns th... - [The grocery store insurance checklist](https://covermatch.insure/checklist/grocery-stores): Grocery stores usually carry business owner's policy, workers' compensation and commercial crime. Grocery stores run refrigeration that holds most of their inve... - [The group home insurance checklist](https://covermatch.insure/checklist/group-homes): Group homes usually carry general liability, abuse & molestation and directors & officers. Group homes house a handful of residents with disabilities or histori... - [The gutter cleaning company insurance checklist](https://covermatch.insure/checklist/gutter-cleaning-services): Gutter cleaning services usually carry general liability, workers' compensation and commercial auto. Gutter cleaning companies do simple work in a dangerous pla... - [The gutter installer insurance checklist](https://covermatch.insure/checklist/gutter-installers): Gutter installers usually carry general liability, workers' compensation and commercial auto. Gutter installers run seamless aluminum from a machine on the truc... - [The gym cleaning company insurance checklist](https://covermatch.insure/checklist/gym-facility-cleaning): Gym & fitness facility cleaning usually carry general liability, workers' compensation and commercial crime. Gym cleaners work early and late around equipment,... - [The gymnastics center insurance checklist](https://covermatch.insure/checklist/gymnastics-centers): Gymnastics centers usually carry general liability, abuse & molestation and professional liability (E&O). Gymnastics centers train children on apparatus where f... - [The hair salon insurance checklist](https://covermatch.insure/checklist/hair-salons): Hair salons usually carry business owner's policy, professional liability (E&O) and workers' compensation. Hair salons apply color, lighteners and heat to clien... - [The handyman franchise insurance checklist](https://covermatch.insure/checklist/handyman-franchises): Handyman franchises usually carry general liability, workers' compensation and commercial auto. A franchised handyman business runs employed technicians in bran... - [The handyman business insurance checklist](https://covermatch.insure/checklist/handyman-services): Handyman services usually carry general liability, workers' compensation and commercial auto. A handyman business does a little of every trade for homeowners an... - [The hardscaping contractor insurance checklist](https://covermatch.insure/checklist/hardscaping-contractors): Hardscaping contractors usually carry general liability, workers' compensation and commercial auto. Hardscape contractors build patios, walls and steps in compa... - [The health club insurance checklist](https://covermatch.insure/checklist/health-clubs): Health clubs & fitness centers usually carry general liability, professional liability (E&O) and workers' compensation. Gyms run equipment that injures members... - [The high-rise condominium association insurance checklist](https://covermatch.insure/checklist/high-rise-condominium-associations): High-rise condominium associations usually carry commercial property, general liability and directors & officers. A high-rise association insures a tower with e... - [The hoarding cleanup company insurance checklist](https://covermatch.insure/checklist/hoarding-cleanup): Hoarding cleanup usually carry general liability, pollution liability and workers' compensation. Hoarding and biohazard cleaners work in conditions that mix bio... - [The holiday lighting installer insurance checklist](https://covermatch.insure/checklist/holiday-lighting-installers): Holiday lighting installers usually carry general liability, workers' compensation and commercial auto. Holiday lighting installers do nearly all their work in... - [The home health agency insurance checklist](https://covermatch.insure/checklist/home-health-care): Home health care usually carry professional liability (E&O), general liability and abuse & molestation. Home health agencies send aides and nurses into clients'... - [The home inspector insurance checklist](https://covermatch.insure/checklist/home-inspectors): Home inspectors usually carry professional liability (E&O), general liability and commercial auto. Home inspectors write the report a buyer relies on to spend a... - [The homeless shelter insurance checklist](https://covermatch.insure/checklist/homeless-shelters): Homeless shelters usually carry general liability, abuse & molestation and directors & officers. Shelters house dozens or hundreds of people a night with little... - [The homeowners association insurance checklist](https://covermatch.insure/checklist/homeowners-associations): Homeowners associations usually carry commercial property, general liability and directors & officers. A homeowners association owns the pool, the clubhouse, th... - [The hotel insurance checklist](https://covermatch.insure/checklist/hotels-motels): Hotels & motels usually carry general liability, commercial property and liquor liability. Hotels hold guests and their belongings overnight, run pools, bars an... - [The hotshot operator insurance checklist](https://covermatch.insure/checklist/hotshot-trucking): Hotshot trucking usually carry commercial auto, motor truck cargo and general liability. Hotshot operators run pickups and gooseneck trailers under their own au... - [The housing cooperative insurance checklist](https://covermatch.insure/checklist/housing-cooperatives): Housing cooperatives usually carry commercial property, general liability and directors & officers. A housing cooperative owns the whole building and leases apa... - [The HR consulting firm insurance checklist](https://covermatch.insure/checklist/hr-consultants): HR consultants usually carry professional liability (E&O), general liability and cyber liability. HR consultants advise on hiring, firing and compliance that cl... - [The HVAC contractor insurance checklist](https://covermatch.insure/checklist/hvac-contractors): HVAC contractors usually carry general liability, workers' compensation and commercial auto. HVAC contractors install and service equipment that can leak refrig... - [The ice cream shop insurance checklist](https://covermatch.insure/checklist/ice-cream-shops): Ice cream & frozen yogurt shops usually carry business owner's policy, workers' compensation and hired & Non-Owned auto. Ice cream shops depend on freezers and... - [The IDD service provider insurance checklist](https://covermatch.insure/checklist/idd-service-providers): Developmental disability (IDD) service providers usually carry general liability, abuse & molestation and directors & officers. IDD providers run day programs,... - [The immigration consulting firm insurance checklist](https://covermatch.insure/checklist/immigration-consultants): Immigration consulting firms usually carry professional liability (E&O), general liability and cyber liability. Immigration consultants help clients with forms... - [The insulation contractor insurance checklist](https://covermatch.insure/checklist/insulation-contractors): Insulation contractors usually carry general liability, workers' compensation and commercial auto. Insulation contractors spray foam that off-gasses, blow cellu... - [The insurance or financial services firm insurance checklist](https://covermatch.insure/checklist/insurance-financial-services): Insurance & financial services usually carry professional liability (E&O), general liability and cyber liability. Insurance agencies and financial services firm... - [The interior design firm insurance checklist](https://covermatch.insure/checklist/interior-designers): Interior designers usually carry professional liability (E&O), general liability and cyber liability. Interior designers specify finishes and furniture, resell... - [The irrigation contractor insurance checklist](https://covermatch.insure/checklist/irrigation-contractors): Irrigation contractors usually carry general liability, workers' compensation and commercial auto. Irrigation contractors trench through yards where utilities a... - [The IT & software insurance checklist](https://covermatch.insure/checklist/it-services): An IT services or software business needs technology errors and omissions combined with cyber liability, general liability for the office and client sites, and... - [The juice bar insurance checklist](https://covermatch.insure/checklist/juice-smoothie-bars): Juice & smoothie bars usually carry business owner's policy, workers' compensation and hired & Non-Owned auto. Juice bars blend and press raw produce for health... - [The junior tennis academy insurance checklist](https://covermatch.insure/checklist/junior-tennis-academies): Junior tennis academies usually carry general liability, abuse & molestation and professional liability (E&O). Tennis academies teach juniors in private and gro... - [The junk removal company insurance checklist](https://covermatch.insure/checklist/junk-removal): Junk removal & hauling usually carry general liability, commercial auto and workers' compensation. Junk haulers carry heavy loads out of homes and offices, driv... - [The boarding kennel insurance checklist](https://covermatch.insure/checklist/kennels-boarding): Kennels & boarding facilities usually carry general liability, bailee / customers' property and workers' compensation. Boarding kennels keep other people's anim... - [The kids party venue insurance checklist](https://covermatch.insure/checklist/kids-party-venues): Kids party venues usually carry general liability, commercial property and workers' compensation. Kids party venues run indoor play structures and inflatables f... - [The kitchen and bath remodeler insurance checklist](https://covermatch.insure/checklist/kitchen-bath-remodelers): Kitchen & bath remodelers usually carry general liability, workers' compensation and commercial auto. Remodelers tear out and rebuild the two rooms with the mos... - [The kombucha brewer insurance checklist](https://covermatch.insure/checklist/kombucha-brewers): Kombucha brewers usually carry general liability, product liability and commercial property. Kombucha brewers ferment a live product whose alcohol content can c... - [The landscaping insurance checklist](https://covermatch.insure/checklist/landscaping): A landscaping or lawn care business needs general liability, workers' compensation once it has a crew, commercial auto that lists the trucks and trailers, and i... - [The land surveyor insurance checklist](https://covermatch.insure/checklist/land-surveyors): Land surveyors usually carry professional liability (E&O), general liability and commercial auto. Surveyors certify where property lines and elevations are, wit... - [The lash studio insurance checklist](https://covermatch.insure/checklist/lash-brow-studios): Lash & brow studios usually carry business owner's policy, professional liability (E&O) and workers' compensation. Lash and brow studios glue extensions and tin... - [The laundromat insurance checklist](https://covermatch.insure/checklist/laundromats): Laundromats usually carry business owner's policy, workers' compensation and equipment breakdown. Laundromats run rows of machines around the clock, often unatt... - [The law firm insurance checklist](https://covermatch.insure/checklist/law-firms): Law firms usually carry professional liability (E&O), general liability and cyber liability. Law firms carry malpractice that the bar expects and clients ask ab... - [The legal courier insurance checklist](https://covermatch.insure/checklist/legal-document-couriers): Legal document couriers usually carry hired & Non-Owned auto, professional liability (E&O) and general liability. Legal couriers file documents at courthouses o... - [The liquor store insurance checklist](https://covermatch.insure/checklist/liquor-stores): Liquor stores usually carry business owner's policy, liquor liability and workers' compensation. Liquor stores sell the product that dram-shop statutes reach, h... - [The locksmith insurance checklist](https://covermatch.insure/checklist/locksmiths): Locksmiths usually carry general liability, workers' compensation and commercial auto. Locksmiths open doors they are told belong to the caller, cut keys and pr... - [The long-distance mover insurance checklist](https://covermatch.insure/checklist/long-distance-moving-companies): Long-distance moving companies usually carry commercial auto, motor truck cargo and general liability. Interstate movers operate under federal authority with ta... - [The low-voltage installer insurance checklist](https://covermatch.insure/checklist/low-voltage-av-installers): Low-voltage & AV installers usually carry general liability, workers' compensation and commercial auto. Low-voltage and AV integrators pull cable through ceilin... - [The managed service provider insurance checklist](https://covermatch.insure/checklist/managed-service-providers): Managed service providers (MSPs) usually carry technology E&O, cyber liability and general liability. MSPs hold administrative access to every client's network,... - [The management consulting firm insurance checklist](https://covermatch.insure/checklist/management-consultants): Management consultants usually carry professional liability (E&O), general liability and cyber liability. Management consultants sell recommendations that clien... - [The manufactured home community association insurance checklist](https://covermatch.insure/checklist/manufactured-home-community-associations): Manufactured home community associations usually carry commercial property, general liability and directors & officers. Resident-owned manufactured home communi... - [The manufacturer insurance checklist](https://covermatch.insure/checklist/manufacturers): Manufacturers usually carry general liability, product liability and commercial property. Manufacturers make products that leave and liabilities that stay, run... - [The marketing agency insurance checklist](https://covermatch.insure/checklist/marketing-agencies): Marketing agencies usually carry professional liability (E&O), general liability and cyber liability. Marketing agencies create and place content that can infri... - [The marriage and family therapy practice insurance checklist](https://covermatch.insure/checklist/marriage-family-therapists): Marriage & family therapists usually carry professional liability (E&O), cyber liability and general liability. Marriage and family therapists treat couples and... - [The martial arts school insurance checklist](https://covermatch.insure/checklist/martial-arts-schools): Martial arts schools usually carry general liability, abuse & molestation and professional liability (E&O). Martial arts schools teach contact and grappling to... - [The masonry contractor insurance checklist](https://covermatch.insure/checklist/masonry-concrete-contractors): Masonry & concrete contractors usually carry general liability, workers' compensation and commercial auto. Masonry and concrete contractors pour foundations and... - [The masonry restoration contractor insurance checklist](https://covermatch.insure/checklist/masonry-restoration): Masonry restoration usually carry general liability, workers' compensation and commercial auto. Masonry restoration contractors repoint and rebuild facades from... - [The massage practice insurance checklist](https://covermatch.insure/checklist/massage-therapists): Massage therapists usually carry professional liability (E&O), general liability and cyber liability. Massage practices work on disrobed clients behind closed d... - [The master association insurance checklist](https://covermatch.insure/checklist/master-associations): Master associations usually carry commercial property, general liability and directors & officers. A master association governs sub-associations across a large... - [The meal prep business insurance checklist](https://covermatch.insure/checklist/meal-prep-services): Meal prep services usually carry business owner's policy, workers' compensation and hired & Non-Owned auto. Meal prep companies cook in volume, package and labe... - [The home-delivered meal program insurance checklist](https://covermatch.insure/checklist/meals-on-wheels-services): Meals on Wheels & home-delivered meal services usually carry general liability, hired & Non-Owned auto and product liability. Home-delivered meal programs cook... - [The medical billing company insurance checklist](https://covermatch.insure/checklist/medical-billing-services): Medical billing services usually carry professional liability (E&O), cyber liability and general liability. Medical billing companies code and submit claims tha... - [The medical courier insurance checklist](https://covermatch.insure/checklist/medical-couriers): Medical couriers usually carry commercial auto, hired & Non-Owned auto and general liability. Medical couriers move specimens, pharmaceuticals and records betwe... - [The medical office cleaning company insurance checklist](https://covermatch.insure/checklist/medical-office-cleaning): Medical office cleaning usually carry general liability, workers' compensation and commercial crime. Medical office cleaners handle sharps, biohazard waste and... - [The medical practice insurance checklist](https://covermatch.insure/checklist/medical-offices): Medical offices usually carry medical professional liability, general liability and cyber liability. A medical practice carries malpractice for each provider, p... - [The med spa insurance checklist](https://covermatch.insure/checklist/med-spas): Med spas usually carry medical professional liability, general liability and cyber liability. Med spas inject, laser and peel under a medical director whose sup... - [The counseling practice insurance checklist](https://covermatch.insure/checklist/mental-health-counselors): Mental health counselors usually carry professional liability (E&O), cyber liability and general liability. Counselling practices treat clients whose crises bec... - [The Mexican restaurant insurance checklist](https://covermatch.insure/checklist/mexican-restaurants): Mexican restaurants usually carry business owner's policy, workers' compensation and liquor liability. Mexican restaurants range from counter taquerias to full... - [The family entertainment center insurance checklist](https://covermatch.insure/checklist/mini-golf-entertainment-centers): Mini golf & family entertainment centers usually carry general liability, commercial property and liquor liability. Family entertainment centers combine mini go... - [The mixed-use condominium association insurance checklist](https://covermatch.insure/checklist/mixed-use-condominium-associations): Mixed-use condominium associations usually carry commercial property, general liability and directors & officers. Mixed-use associations stack homes over shops... - [The mobile beauty service insurance checklist](https://covermatch.insure/checklist/mobile-beauty-services): Mobile beauty services usually carry general liability, professional liability (E&O) and hired & Non-Owned auto. Mobile stylists and makeup artists work in clie... - [The mobile detailer insurance checklist](https://covermatch.insure/checklist/mobile-car-detailing): Mobile car detailing usually carry garage liability, commercial auto and workers' compensation. Mobile detailers work in office parking lots and driveways from... - [The mobile coffee cart insurance checklist](https://covermatch.insure/checklist/mobile-coffee-carts): Mobile coffee carts usually carry general liability, commercial auto and inland marine / equipment. Mobile coffee carts and trucks pour espresso at events, offi... - [The mobile DJ insurance checklist](https://covermatch.insure/checklist/mobile-djs): Mobile DJs usually carry general liability, inland marine / equipment and hired & Non-Owned auto. Mobile DJs set up speakers, lighting and trussing in venues ev... - [The mobile mechanic insurance checklist](https://covermatch.insure/checklist/mobile-mechanics): Mobile mechanics usually carry garage liability, commercial auto and workers' compensation. Mobile mechanics repair cars in driveways and fleet yards from a van... - [The mobile groomer insurance checklist](https://covermatch.insure/checklist/mobile-pet-grooming): Mobile pet grooming usually carry general liability, commercial auto and bailee / customers' property. Mobile groomers work alone in a van parked outside the cl... - [The mold remediation contractor insurance checklist](https://covermatch.insure/checklist/mold-remediation): Mold remediation usually carry pollution liability, general liability and workers' compensation. Mold remediation contractors are hired because of a pollutant a... - [The mortgage brokerage insurance checklist](https://covermatch.insure/checklist/mortgage-brokers): Mortgage brokers usually carry professional liability (E&O), cyber liability and general liability. Mortgage brokers originate loans under state licenses and bo... - [The motorcycle repair shop insurance checklist](https://covermatch.insure/checklist/motorcycle-repair-shops): Motorcycle repair shops usually carry garage liability, workers' compensation and commercial property. Motorcycle and powersports shops service machines whose r... - [The moving company insurance checklist](https://covermatch.insure/checklist/moving-companies): Moving companies usually carry commercial auto, motor truck cargo and general liability. Movers carry everything a household owns down stairs and across state l... - [The moving labor company insurance checklist](https://covermatch.insure/checklist/moving-labor-services): Moving labor services usually carry general liability, workers' compensation and hired & Non-Owned auto. Labor-only movers load and unload trucks the customer r... - [The multi-sport league operator insurance checklist](https://covermatch.insure/checklist/multi-sport-league-operators): Multi-sport league operators usually carry general liability, participant accident and liquor liability. For-profit league operators run dozens of leagues a sea... - [The music school insurance checklist](https://covermatch.insure/checklist/music-schools): Music schools usually carry general liability, abuse & molestation and professional liability (E&O). Music schools teach children one on one in small rooms, emp... - [The nail salon insurance checklist](https://covermatch.insure/checklist/nail-salons): Nail salons usually carry business owner's policy, professional liability (E&O) and workers' compensation. Nail salons run pedicure chairs whose whirlpool jets... - [The nightclub insurance checklist](https://covermatch.insure/checklist/nightclubs-lounges): Nightclubs & lounges usually carry liquor liability, general liability and workers' compensation. Nightclubs run late, loud and crowded, with security staff who... - [The nonprofit organization insurance checklist](https://covermatch.insure/checklist/nonprofits): Nonprofits usually carry general liability, directors & officers and commercial property. A nonprofit answers to a board, funders and the public for programs ru... - [The thrift store insurance checklist](https://covermatch.insure/checklist/nonprofit-thrift-stores): Nonprofit thrift stores usually carry general liability, commercial property and workers' compensation. Thrift stores sell donated goods sorted by volunteers, r... - [The notary business insurance checklist](https://covermatch.insure/checklist/notary-services): Notary & signing services usually carry professional liability (E&O), surety & license bonds and general liability. Notaries verify identity and witness signatu... - [The notary signing agent insurance checklist](https://covermatch.insure/checklist/notary-signing-agents): Notary signing agents usually carry professional liability (E&O), surety & license bonds and general liability. Loan signing agents walk borrowers through closi... - [The supplement store insurance checklist](https://covermatch.insure/checklist/nutrition-supplement-stores): Nutrition & supplement stores usually carry business owner's policy, workers' compensation and commercial crime. Supplement stores sell products whose health cl... - [The occupational therapy practice insurance checklist](https://covermatch.insure/checklist/occupational-therapists): Occupational therapists usually carry professional liability (E&O), general liability and cyber liability. Occupational therapy practices treat in clinics, home... - [The copier technician business insurance checklist](https://covermatch.insure/checklist/office-equipment-copier-technicians): Office equipment & copier technicians usually carry general liability, workers' compensation and commercial auto. Copier and office equipment technicians work i... - [The optometry practice insurance checklist](https://covermatch.insure/checklist/optometry-practices): Optometry practices usually carry medical professional liability, general liability and cyber liability. Optometry practices examine eyes, miss the rare conditi... - [The outdoor kitchen builder insurance checklist](https://covermatch.insure/checklist/outdoor-kitchen-builders): Outdoor kitchen builders usually carry general liability, workers' compensation and commercial auto. Outdoor kitchen builders combine masonry, gas, electrical a... - [The behavioral health clinic insurance checklist](https://covermatch.insure/checklist/outpatient-behavioral-health-clinics): Outpatient behavioral health clinics usually carry professional liability (E&O), general liability and cyber liability. Outpatient behavioral health clinics tre... - [The psychology practice insurance checklist](https://covermatch.insure/checklist/outpatient-psychology-practices): Outpatient psychology practices usually carry professional liability (E&O), cyber liability and general liability. Psychology practices diagnose, test and treat... - [The painting contractor insurance checklist](https://covermatch.insure/checklist/painters): Painters usually carry general liability, workers' compensation and commercial auto. Painting contractors work from ladders and lifts on the outside of building... - [The striping contractor insurance checklist](https://covermatch.insure/checklist/parking-lot-striping): Parking lot striping usually carry general liability, workers' compensation and commercial auto. Striping contractors lay out lots at night with trucks and pain... - [The party entertainer insurance checklist](https://covermatch.insure/checklist/party-entertainers): Party entertainers usually carry general liability, abuse & molestation and hired & Non-Owned auto. Party entertainers perform for children at homes, venues and... - [The paving contractor insurance checklist](https://covermatch.insure/checklist/paving-contractors): Paving contractors usually carry general liability, workers' compensation and commercial auto. Paving contractors lay hot asphalt with pavers and rollers, work... - [The payroll processing company insurance checklist](https://covermatch.insure/checklist/payroll-processing-companies): Payroll processing companies usually carry professional liability (E&O), commercial crime and cyber liability. Payroll companies move clients' money to employee... - [The pension TPA insurance checklist](https://covermatch.insure/checklist/pension-third-party-administrators): Pension third-party administrators (TPAs) usually carry professional liability (E&O), fiduciary liability and cyber liability. Pension and benefit TPAs administ... - [The pergola and patio builder insurance checklist](https://covermatch.insure/checklist/pergola-patio-builders): Pergola & patio builders usually carry general liability, workers' compensation and commercial auto. Pergola and patio cover builders put up structures that mus... - [The personal chef insurance checklist](https://covermatch.insure/checklist/personal-chefs): Personal chefs usually carry general liability, product liability and hired & Non-Owned auto. Personal chefs cook in clients' kitchens with the clients' equipme... - [The personal trainer insurance checklist](https://covermatch.insure/checklist/personal-trainers): Personal trainers usually carry general liability, professional liability (E&O) and hired & Non-Owned auto. Personal trainers program and supervise exercise in... - [The pet grooming salon insurance checklist](https://covermatch.insure/checklist/pet-grooming-salons): Pet grooming salons usually carry general liability, bailee / customers' property and workers' compensation. Grooming salons clip, bathe and dry animals that bi... - [The pet services business insurance checklist](https://covermatch.insure/checklist/pet-services): Pet services usually carry general liability, bailee / customers' property and workers' compensation. Pet service businesses mix daycare, sitting, walking and b... - [The pet store insurance checklist](https://covermatch.insure/checklist/pet-stores): Pet stores usually carry business owner's policy, workers' compensation and commercial crime. Pet stores sell food and supplies and sometimes live animals, host... - [The pet trainer insurance checklist](https://covermatch.insure/checklist/pet-trainers): Pet trainers usually carry general liability, professional liability (E&O) and bailee / customers' property. Dog trainers work with aggressive animals by design... - [The independent pharmacy insurance checklist](https://covermatch.insure/checklist/pharmacies): Independent pharmacies usually carry professional liability (E&O), general liability and commercial property. Independent pharmacies dispense under pharmacist l... - [The photo booth operator insurance checklist](https://covermatch.insure/checklist/photo-booth-operators): Photo booth operators usually carry general liability, inland marine / equipment and hired & Non-Owned auto. Photo booth operators deliver a kiosk, a backdrop a... - [The photographer insurance checklist](https://covermatch.insure/checklist/photographers): Photographers usually carry general liability, inland marine / equipment and professional liability (E&O). Photographers carry equipment worth more than their c... - [The physical therapy practice insurance checklist](https://covermatch.insure/checklist/physical-therapy-practices): Physical therapy practices usually carry professional liability (E&O), general liability and cyber liability. Physical therapy clinics treat injuries with hands... - [The piano mover insurance checklist](https://covermatch.insure/checklist/piano-movers): Piano movers usually carry general liability, bailee / customers' property and commercial auto. Piano movers handle single items worth more than a truck, down s... - [The pickleball club insurance checklist](https://covermatch.insure/checklist/pickleball-clubs-leagues): Pickleball clubs & leagues usually carry general liability, participant accident and directors & officers. Pickleball clubs grew faster than the insurance for t... - [The Pilates studio insurance checklist](https://covermatch.insure/checklist/pilates-studios): Pilates studios usually carry general liability, professional liability (E&O) and workers' compensation. Pilates studios teach on reformers and towers with spri... - [The pizza delivery shop insurance checklist](https://covermatch.insure/checklist/pizza-delivery-takeout): Pizza delivery & takeout usually carry business owner's policy, workers' compensation and hired & Non-Owned auto. Delivery-and-carryout pizza shops put most of... - [The pizzeria insurance checklist](https://covermatch.insure/checklist/pizzerias): Pizzerias usually carry business owner's policy, workers' compensation and liquor liability. Pizzerias run deck or conveyor ovens all day, deliver through their... - [The planned unit development association insurance checklist](https://covermatch.insure/checklist/planned-unit-developments): Planned unit developments usually carry commercial property, general liability and directors & officers. A planned unit development association mixes single-fam... - [The plumbing & HVAC insurance checklist](https://covermatch.insure/checklist/plumbing-hvac): A plumbing or HVAC business needs general liability with completed operations, workers' compensation once it has employees, commercial auto for service vans, an... - [The pool contractor insurance checklist](https://covermatch.insure/checklist/pool-service-construction): Pool service & construction usually carry general liability, workers' compensation and commercial auto. Pool companies dig, plumb and plaster in backyards, serv... - [The post-construction cleaning company insurance checklist](https://covermatch.insure/checklist/post-construction-cleanup): Post-construction cleanup usually carry general liability, workers' compensation and commercial auto. Post-construction cleaners work the last days of a job on... - [The pressure washing company insurance checklist](https://covermatch.insure/checklist/pressure-washing): Pressure washing services usually carry general liability, workers' compensation and commercial auto. Pressure and soft-wash companies spray water and bleach-ba... - [The print shop insurance checklist](https://covermatch.insure/checklist/print-shops): Print shops usually carry business owner's policy, workers' compensation and equipment breakdown. Print shops run presses and cutters that take fingers, hold cl... - [The private investigation firm insurance checklist](https://covermatch.insure/checklist/private-investigators): Private investigators usually carry professional liability (E&O), general liability and commercial auto. Private investigators surveil, interview and dig throug... - [The process serving business insurance checklist](https://covermatch.insure/checklist/process-servers): Process servers usually carry professional liability (E&O), general liability and cyber liability. Process servers hand legal papers to people who do not want t... - [The professional services insurance checklist](https://covermatch.insure/checklist/professional-services): A professional services firm needs professional liability (errors and omissions) for the advice and work product it delivers, general liability for the office a... - [The propane delivery company insurance checklist](https://covermatch.insure/checklist/propane-delivery): Propane delivery usually carry commercial auto, general liability and pollution liability. Propane distributors fill tanks at customers' homes and businesses fr... - [The appraisal firm insurance checklist](https://covermatch.insure/checklist/property-appraisers): Property appraisers usually carry professional liability (E&O), general liability and hired & Non-Owned auto. Appraisers value property that lenders lend agains... - [The property management company insurance checklist](https://covermatch.insure/checklist/property-management): Property management usually carry professional liability (E&O), general liability and commercial crime. Property managers collect rents and reserves into trust... - [The property owners association insurance checklist](https://covermatch.insure/checklist/property-owners-associations): Property owners associations usually carry commercial property, general liability and directors & officers. Property owners associations govern recreational and... - [The radon mitigation contractor insurance checklist](https://covermatch.insure/checklist/radon-mitigation): Radon mitigation usually carry general liability, pollution liability and workers' compensation. Radon mitigators install sub-slab systems during real-estate tr... - [The real estate brokerage insurance checklist](https://covermatch.insure/checklist/real-estate-agencies): Real estate agencies usually carry professional liability (E&O), general liability and cyber liability. Real estate brokerages supervise agents who are independ... - [The refrigerated carrier insurance checklist](https://covermatch.insure/checklist/refrigerated-trucking): Refrigerated trucking usually carry commercial auto, motor truck cargo and general liability. Reefer carriers haul perishables under temperature rules written i... - [The refugee services agency insurance checklist](https://covermatch.insure/checklist/refugee-immigrant-services): Refugee & immigrant services agencies usually carry professional liability (E&O), general liability and directors & officers. Resettlement and immigrant service... - [The religious organization insurance checklist](https://covermatch.insure/checklist/religious-organizations): Religious organizations usually carry general liability, commercial property and abuse & molestation. Houses of worship run services, children's programs, schoo... - [The house cleaning company insurance checklist](https://covermatch.insure/checklist/residential-house-cleaning): Residential house cleaning usually carry general liability, workers' compensation and commercial crime. House cleaning companies send small teams into homes wit... - [The respite care provider insurance checklist](https://covermatch.insure/checklist/respite-care-providers): Respite care providers usually carry general liability, abuse & molestation and directors & officers. Respite providers step into the care of a child or adult w... - [The restaurant insurance checklist](https://covermatch.insure/checklist/restaurants): A restaurant usually needs a business owner's policy or general liability plus property, workers' compensation once it has employees, liquor liability if it ser... - [The retail shop insurance checklist](https://covermatch.insure/checklist/retail): A retail store needs a business owner's policy covering liability and the inventory, fixtures and build-out, workers' compensation once it has employees, and cy... - [The retail store insurance checklist](https://covermatch.insure/checklist/retail-stores): Retail stores usually carry business owner's policy, workers' compensation and commercial crime. A retail store insures a leased space, the stock inside it, the... - [The rowing club insurance checklist](https://covermatch.insure/checklist/rowing-crew-clubs): Rowing & crew clubs usually carry general liability, abuse & molestation and participant accident. Rowing clubs own shells, oars, launches and trailers worth mo... - [The software company insurance checklist](https://covermatch.insure/checklist/saas-companies): SaaS & software companies usually carry technology E&O, cyber liability and general liability. Software companies sell products under service-level agreements,... - [The salon or barbershop insurance checklist](https://covermatch.insure/checklist/salons-barbershops): Salons & barbershops usually carry business owner's policy, professional liability (E&O) and workers' compensation. Salons and barbershops rent chairs to stylis... - [The salon & spa insurance checklist](https://covermatch.insure/checklist/salons-spas): A salon or spa needs a business owner's policy for the premises and general liability, professional liability for the services performed (color, chemical treatm... - [The seafood restaurant insurance checklist](https://covermatch.insure/checklist/seafood-restaurants): Seafood restaurants usually carry business owner's policy, workers' compensation and liquor liability. Seafood restaurants serve raw and lightly cooked product... - [The security system installer insurance checklist](https://covermatch.insure/checklist/security-system-installers): Security system installers usually carry general liability, workers' compensation and commercial auto. Alarm and security installers wire systems whose failure... - [The senior center insurance checklist](https://covermatch.insure/checklist/senior-centers): Senior centers usually carry general liability, directors & officers and workers' compensation. Senior centers host meals, exercise classes, trips and social pr... - [The septic contractor insurance checklist](https://covermatch.insure/checklist/septic-services): Septic services usually carry general liability, workers' compensation and commercial auto. Septic contractors install and pump systems under health-department... - [The shaved ice stand insurance checklist](https://covermatch.insure/checklist/shaved-ice-stands): Shaved ice stands usually carry general liability, product liability and commercial property. Shaved ice stands open for a season in a parking lot or at events,... - [The siding contractor insurance checklist](https://covermatch.insure/checklist/siding-contractors): Siding contractors usually carry general liability, workers' compensation and commercial auto. Siding contractors work the full height of a house from scaffolds... - [The sign installer insurance checklist](https://covermatch.insure/checklist/sign-installers): Sign installers usually carry general liability, workers' compensation and commercial auto. Sign companies fabricate in a shop and install from cranes and bucke... - [The smart home installer insurance checklist](https://covermatch.insure/checklist/smart-home-installers): Smart home installers usually carry general liability, workers' compensation and commercial auto. Smart home integrators install lighting, audio, security and n... - [The vape shop insurance checklist](https://covermatch.insure/checklist/smoke-vape-shops): Smoke & vape shops usually carry business owner's policy, product liability and workers' compensation. Smoke and vape shops sell products with battery, chemical... - [The snow removal contractor insurance checklist](https://covermatch.insure/checklist/snow-removal): Snow removal contractors usually carry general liability, commercial auto and workers' compensation. Residential and small-commercial snow contractors plow driv... - [The social work practice insurance checklist](https://covermatch.insure/checklist/social-workers-private-practice): Social workers in private practice usually carry professional liability (E&O), cyber liability and general liability. Clinical social workers in private practic... - [The solar installer insurance checklist](https://covermatch.insure/checklist/solar-installers): Solar installers usually carry general liability, workers' compensation and commercial auto. Solar installers combine electrical work, racking on other people's... - [The solar panel cleaning company insurance checklist](https://covermatch.insure/checklist/solar-panel-cleaning): Solar panel cleaning usually carry general liability, workers' compensation and commercial auto. Solar panel cleaners work on building tops and ground arrays wi... - [The community meal program insurance checklist](https://covermatch.insure/checklist/soup-kitchens-community-meals): Soup kitchens & community meal programs usually carry general liability, product liability and commercial property. Community meal programs cook for crowds in c... - [The special-needs camp insurance checklist](https://covermatch.insure/checklist/special-needs-camps): Special-needs camps & programs usually carry general liability, abuse & molestation and professional liability (E&O). Special-needs camps serve children and adu... - [The specialty food store insurance checklist](https://covermatch.insure/checklist/specialty-food-stores): Specialty food stores usually carry business owner's policy, workers' compensation and commercial crime. Specialty food stores import, cut and sometimes make pr... - [The speech therapy practice insurance checklist](https://covermatch.insure/checklist/speech-therapists): Speech therapists usually carry professional liability (E&O), general liability and cyber liability. Speech therapy practices treat children in clinics, schools... - [The sports bar insurance checklist](https://covermatch.insure/checklist/sports-bars): Sports bars usually carry liquor liability, business owner's policy and workers' compensation. Sports bars fill on game days with crowds that drink for hours in... - [The sports camp insurance checklist](https://covermatch.insure/checklist/sports-camps-clinics): Sports camps & clinics usually carry general liability, abuse & molestation and participant accident. Sports camps take custody of children for full days or who... - [The referee association insurance checklist](https://covermatch.insure/checklist/sports-officials-referee-associations): Sports officials & referee associations usually carry general liability, professional liability (E&O) and directors & officers. Officials' associations assign r... - [The tournament organizer insurance checklist](https://covermatch.insure/checklist/sports-tournament-event-organizers): Sports tournament & event organizers usually carry general liability, special events liability and participant accident. Tournament organizers rent complexes fo... - [The staffing agency insurance checklist](https://covermatch.insure/checklist/staffing-agencies): Staffing agencies usually carry workers' compensation, general liability and professional liability (E&O). Staffing agencies employ people who work at clients'... - [The steakhouse insurance checklist](https://covermatch.insure/checklist/steakhouses): Steakhouses usually carry business owner's policy, workers' compensation and liquor liability. Steakhouses run open-flame broilers at high heat, carry expensive... - [The substance abuse treatment center insurance checklist](https://covermatch.insure/checklist/substance-abuse-treatment-centers): Substance abuse treatment centers usually carry professional liability (E&O), general liability and abuse & molestation. Treatment centers manage detox and rela... - [The sushi restaurant insurance checklist](https://covermatch.insure/checklist/sushi-japanese-restaurants): Sushi & Japanese restaurants usually carry business owner's policy, workers' compensation and liquor liability. Sushi and Japanese restaurants serve raw fish un... - [The swim school insurance checklist](https://covermatch.insure/checklist/swim-schools): Swim schools usually carry general liability, abuse & molestation and professional liability (E&O). Swim schools teach infants and children in water, in their o... - [The swim team insurance checklist](https://covermatch.insure/checklist/swim-teams-aquatic-clubs): Swim teams & aquatic clubs usually carry general liability, abuse & molestation and participant accident. Club swim teams rent lanes at municipal and school poo... - [The tanning salon insurance checklist](https://covermatch.insure/checklist/tanning-salons): Tanning salons usually carry business owner's policy, professional liability (E&O) and workers' compensation. Tanning salons run ultraviolet beds under age and... - [The tattoo studio insurance checklist](https://covermatch.insure/checklist/tattoo-piercing-studios): Tattoo & piercing studios usually carry general liability, professional liability (E&O) and commercial property. Tattoo and piercing studios break skin for a li... - [The tax preparation business insurance checklist](https://covermatch.insure/checklist/tax-preparers): Tax preparers usually carry professional liability (E&O), cyber liability and general liability. Tax preparers file returns for clients who bring every identity... - [The telehealth practice insurance checklist](https://covermatch.insure/checklist/telehealth-practices): Telehealth & digital health practices usually carry medical professional liability, general liability and cyber liability. Telehealth practices treat patients b... - [The tent rental company insurance checklist](https://covermatch.insure/checklist/tent-rental-companies): Tent rental companies usually carry general liability, inland marine / equipment and commercial auto. Tent companies install temporary structures that wind can... - [The test prep company insurance checklist](https://covermatch.insure/checklist/test-prep-companies): Test prep companies usually carry general liability, professional liability (E&O) and abuse & molestation. Test prep companies promise score gains to families p... - [The timeshare owners association insurance checklist](https://covermatch.insure/checklist/timeshare-owners-associations): Timeshare owners associations usually carry commercial property, general liability and directors & officers. Timeshare associations run resorts: hotel-like oper... - [The tire shop insurance checklist](https://covermatch.insure/checklist/tire-shops): Tire shops usually carry garage liability, workers' compensation and commercial property. Tire shops mount and balance wheels that come off on the highway when... - [The title company insurance checklist](https://covermatch.insure/checklist/title-companies): Title companies usually carry professional liability (E&O), commercial crime and cyber liability. Title agencies search records, issue policies as agents for un... - [The towing company insurance checklist](https://covermatch.insure/checklist/towing-companies): Towing companies usually carry commercial auto, garage liability and general liability. Tow operators work on the shoulder of live highways, hook other people's... - [The townhome association insurance checklist](https://covermatch.insure/checklist/townhome-associations): Townhome associations usually carry commercial property, general liability and directors & officers. Townhome associations sit between an HOA and a condo: the g... - [The translation business insurance checklist](https://covermatch.insure/checklist/translators-interpreters): Translators & interpreters usually carry professional liability (E&O), general liability and cyber liability. Translators and interpreters render words that cou... - [The travel agency insurance checklist](https://covermatch.insure/checklist/travel-agencies): Travel agencies usually carry professional liability (E&O), general liability and cyber liability. Travel agencies book trips on clients' behalf, hold deposits... - [The tree service company insurance checklist](https://covermatch.insure/checklist/tree-service): Tree service & arborists usually carry general liability, workers' compensation and commercial auto. Tree companies climb and rig limbs over houses and power li... - [The trucking company insurance checklist](https://covermatch.insure/checklist/trucking-companies): Trucking companies usually carry commercial auto, motor truck cargo and general liability. A motor carrier lives under its federal or state filing, hauls freigh... - [The tutoring center insurance checklist](https://covermatch.insure/checklist/tutoring-centers): Tutoring centers usually carry general liability, abuse & molestation and professional liability (E&O). Tutoring centers teach children after school in small gr... - [The ultimate frisbee league insurance checklist](https://covermatch.insure/checklist/ultimate-frisbee-rec-leagues): Ultimate frisbee & niche rec leagues usually carry general liability, participant accident and directors & officers. Ultimate, disc golf, dodgeball and other ni... - [The urgent care clinic insurance checklist](https://covermatch.insure/checklist/urgent-care-clinics): Urgent care clinics usually carry medical professional liability, general liability and cyber liability. Urgent care clinics see walk-in patients with no histor... - [The valet service insurance checklist](https://covermatch.insure/checklist/valet-services): Valet services usually carry garage liability, workers' compensation and general liability. Valet companies drive and park other people's cars at restaurants, h... - [The vending operator insurance checklist](https://covermatch.insure/checklist/vending-machine-operators): Vending machine operators usually carry general liability, product liability and commercial auto. Vending operators place machines in other people's buildings,... - [The veterans service organization insurance checklist](https://covermatch.insure/checklist/veterans-service-organizations): Veterans service organizations usually carry general liability, liquor liability and directors & officers. Veterans posts and service organizations run halls wi... - [The veterinary clinic insurance checklist](https://covermatch.insure/checklist/veterinary-clinics): Veterinary clinics usually carry professional liability (E&O), general liability and commercial property. Veterinary clinics treat animals whose owners sue over... - [The job training nonprofit insurance checklist](https://covermatch.insure/checklist/vocational-rehab-job-training-nonprofits): Vocational rehab & job training nonprofits usually carry general liability, abuse & molestation and directors & officers. Vocational programs train and employ p... - [The warehouse insurance checklist](https://covermatch.insure/checklist/warehouses): Warehouses usually carry commercial property, bailee / customers' property and general liability. Warehouses store other people's goods under contracts that ass... - [The water damage restoration company insurance checklist](https://covermatch.insure/checklist/water-damage-restoration): Water damage restoration usually carry general liability, pollution liability and workers' compensation. Water restoration companies arrive first after a pipe b... - [The waterproofing contractor insurance checklist](https://covermatch.insure/checklist/waterproofing-contractors): Waterproofing contractors usually carry general liability, workers' compensation and commercial auto. Waterproofing contractors excavate against foundations, ap... - [The web development studio insurance checklist](https://covermatch.insure/checklist/web-developers): Web developers usually carry technology E&O, cyber liability and general liability. Web developers build and host sites that take payments and collect data, hol... - [The wedding venue insurance checklist](https://covermatch.insure/checklist/wedding-venues): Wedding venues usually carry general liability, commercial property and liquor liability. Wedding venues host hundreds of guests who drink for six hours on prop... - [The welding business insurance checklist](https://covermatch.insure/checklist/welding-services): Welding services usually carry general liability, workers' compensation and commercial auto. Welding businesses run shops full of gas and sparks, send mobile ri... - [The well driller insurance checklist](https://covermatch.insure/checklist/well-drilling-contractors): Well drilling contractors usually carry general liability, workers' compensation and commercial auto. Well drillers operate rigs that are also trucks, drill thr... - [The wellness center insurance checklist](https://covermatch.insure/checklist/wellness-centers-coaching): Wellness centers & wellness coaching usually carry general liability, professional liability (E&O) and cyber liability. Wellness centers and coaches sell advice... - [The wholesale bakery insurance checklist](https://covermatch.insure/checklist/wholesale-bakeries): Wholesale bakeries usually carry general liability, product liability and commercial property. Wholesale bakeries bake overnight at volume, deliver by route tru... - [The wholesale distributor insurance checklist](https://covermatch.insure/checklist/wholesalers): Wholesalers usually carry general liability, product liability and commercial property. Wholesalers hold inventory worth more than the building, move it with fo... - [The window cleaning company insurance checklist](https://covermatch.insure/checklist/window-cleaning-services): Window cleaning services usually carry general liability, workers' compensation and commercial auto. Window cleaners work from ladders, water-fed poles and, on... - [The window and door installer insurance checklist](https://covermatch.insure/checklist/window-door-installers): Window & door installers usually carry general liability, workers' compensation and commercial auto. Window and door installers open the building envelope on ev... - [The winery insurance checklist](https://covermatch.insure/checklist/wineries-tasting-rooms): Wineries & tasting rooms usually carry general liability, liquor liability and product liability. Wineries grow, make, serve and ship, which stacks farm, manufa... - [The yoga studio insurance checklist](https://covermatch.insure/checklist/yoga-studios): Yoga studios usually carry general liability, professional liability (E&O) and workers' compensation. Yoga studios teach in heated rooms, use hands-on adjustmen... - [The movement therapy practice insurance checklist](https://covermatch.insure/checklist/yoga-therapists): Yoga & movement therapists usually carry professional liability (E&O), general liability and cyber liability. Movement therapists work one on one with clients r... - [The youth baseball league insurance checklist](https://covermatch.insure/checklist/youth-baseball-softball-leagues): Youth baseball & softball leagues usually carry general liability, abuse & molestation and participant accident. Baseball and softball leagues own batting cages... - [The AAU basketball program insurance checklist](https://covermatch.insure/checklist/youth-basketball-aau-programs): Youth basketball leagues & AAU programs usually carry general liability, abuse & molestation and participant accident. AAU and travel basketball programs rent g... - [The youth cycling club insurance checklist](https://covermatch.insure/checklist/youth-cycling-triathlon-clubs): Youth cycling & triathlon clubs usually carry general liability, abuse & molestation and participant accident. Cycling and triathlon clubs train juniors on open... - [The youth hockey association insurance checklist](https://covermatch.insure/checklist/youth-ice-hockey-associations): Youth ice hockey associations usually carry general liability, abuse & molestation and participant accident. Hockey associations buy ice time by the hour at rin... - [The youth lacrosse club insurance checklist](https://covermatch.insure/checklist/youth-lacrosse-clubs): Youth lacrosse clubs usually carry general liability, abuse & molestation and participant accident. Lacrosse clubs field boys' and girls' programs under differe... - [The youth mentoring organization insurance checklist](https://covermatch.insure/checklist/youth-mentoring-organizations): Youth mentoring organizations usually carry general liability, abuse & molestation and directors & officers. Mentoring organizations match adult volunteers with... - [The youth rugby club insurance checklist](https://covermatch.insure/checklist/youth-rugby-clubs): Youth rugby clubs usually carry general liability, abuse & molestation and participant accident. Youth rugby clubs run contact and non-contact age grades under... - [The youth soccer club insurance checklist](https://covermatch.insure/checklist/youth-soccer-clubs): Youth soccer clubs usually carry general liability, abuse & molestation and participant accident. Soccer clubs run recreational and travel programs year round,... - [The youth sports league insurance checklist](https://covermatch.insure/checklist/youth-sports-leagues): Youth sports leagues usually carry general liability, abuse & molestation and participant accident. A volunteer-run league schedules games on borrowed fields, r... - [The youth tackle football league insurance checklist](https://covermatch.insure/checklist/youth-tackle-football-leagues): Youth tackle football leagues usually carry general liability, abuse & molestation and participant accident. Tackle football leagues carry the highest injury se... - [The youth track club insurance checklist](https://covermatch.insure/checklist/youth-track-cross-country-clubs): Youth track & field and cross country clubs usually carry general liability, abuse & molestation and participant accident. Track and cross country clubs practic... - [The youth volleyball club insurance checklist](https://covermatch.insure/checklist/youth-volleyball-clubs): Youth volleyball clubs usually carry general liability, abuse & molestation and participant accident. Club volleyball runs long indoor seasons in rented gyms, t... - [The youth wrestling club insurance checklist](https://covermatch.insure/checklist/youth-wrestling-clubs): Youth wrestling clubs usually carry general liability, abuse & molestation and participant accident. Wrestling clubs practice on mats in school rooms, church ba... ### Glossary - [Insurance terms, in plain English](https://covermatch.insure/glossary): This glossary defines the terms that appear on a declarations page, a certificate of insurance and a quote comparison, in a sentence or two each. Every entry li... ### Guide - [Additional insured vs. certificate holder](https://covermatch.insure/guides/additional-insured-vs-certificate-holder): A certificate holder is simply the party that receives your certificate of insurance; they get information, not coverage. An additional insured is a party your... - [What to do before a renewal](https://covermatch.insure/guides/before-renewal): Start sixty days before expiration: update revenue, payroll, headcount, vehicles and locations; list the contracts and leases you must satisfy; get the incumben... - [How to cancel or replace a policy safely](https://covermatch.insure/guides/cancel-or-replace-safely): Bind the new policy first, with an effective date that matches the day you want the old one to end. Then cancel the old policy in writing effective that same da... - [How certificates of insurance work](https://covermatch.insure/guides/how-certificates-work): A certificate of insurance is a one-page summary of your policies issued to a holder — a landlord, client or contractor — as proof of coverage on the date it wa... - [How premium audits work](https://covermatch.insure/guides/premium-audits): Workers' compensation and many general liability policies charge an estimated premium based on projected payroll or sales, then audit the actual figures after t... - [Primary and non-contributory, explained](https://covermatch.insure/guides/primary-and-noncontributory): Primary and non-contributory is an endorsement on your liability policy stating that, for an additional insured you were required to add by contract, your polic... - [How to read a declarations page](https://covermatch.insure/guides/read-a-dec-page): The declarations page is the front of your policy: who is insured, for what, for how much, for how long, and under which forms. Read it in this order: named ins... - [How to switch agents and keep your carrier](https://covermatch.insure/guides/switch-agents-keep-carrier): A broker-of-record change moves an existing policy from one agency to another without changing the carrier, coverage, policy number or price. You sign a short l... - [Waiver of subrogation, explained](https://covermatch.insure/guides/waiver-of-subrogation): Subrogation is an insurer's right, after paying your claim, to recover from whoever caused the loss. A waiver of subrogation is an endorsement in which your ins... ### Match - [Matching abuse and molestation coverage: how the comparison works](https://covermatch.insure/match/abuse-and-molestation): Abuse and molestation coverage pays to defend and settle claims that someone in a program's care was abused by a staff member, a volunteer or another participan... - [Matching bailee coverage: how the comparison works](https://covermatch.insure/match/bailee-coverage): Bailee coverage pays for loss of or damage to customers' property in your care: garments at a cleaner, instruments at a repair shop, animals at a kennel, goods... - [Matching builders risk: how the comparison works](https://covermatch.insure/match/builders-risk): Builders risk insures a building and the materials for it while it is under construction or renovation, from the first delivery until the owner takes it over. I... - [Matching business income coverage: how the comparison works](https://covermatch.insure/match/business-income): Business income coverage replaces the net income a business loses and pays the expenses that continue while a covered property loss keeps it closed, plus the ex... - [Matching a business owner's policy](https://covermatch.insure/match/business-owners-policy): A business owner's policy packages general liability, property on your contents and improvements, and business income into one policy at a package price. It fit... - [Matching commercial auto](https://covermatch.insure/match/commercial-auto): Commercial auto covers vehicles your business owns, leases or uses for work, with liability for injury and damage to others and optional physical damage on the... - [Matching commercial crime coverage](https://covermatch.insure/match/commercial-crime): Commercial crime insurance covers losses of money, securities and property from employee dishonesty, forgery, robbery and burglary, computer fraud and fraudulen... - [Matching commercial earthquake coverage: how the comparison works](https://covermatch.insure/match/commercial-earthquake): Commercial earthquake coverage pays for damage to a building and its contents from earth movement, which property policies exclude, usually with a deductible se... - [Matching commercial flood coverage: how the comparison works](https://covermatch.insure/match/commercial-flood): Commercial flood insurance pays for damage to a building and its contents from rising water, which property policies exclude. It is available through the federa... - [Matching commercial property](https://covermatch.insure/match/commercial-property): Commercial property insurance pays to repair or replace your building, improvements, contents, equipment and inventory after fire, wind, theft and other covered... - [Matching cyber liability](https://covermatch.insure/match/cyber-liability): Cyber liability pays for breach response (notification, forensics, legal), ransomware and extortion, income lost during an outage, social-engineering and funds-... - [Matching directors and officers coverage: how the comparison works](https://covermatch.insure/match/directors-and-officers): Directors and officers coverage defends the people who run a company, nonprofit or association, and the entity itself, against claims about their decisions: emp... - [Matching employment practices liability](https://covermatch.insure/match/employment-practices-liability): Employment practices liability covers claims brought by employees, former employees and applicants — wrongful termination, discrimination, harassment, retaliati... - [Matching equipment breakdown: how the comparison works](https://covermatch.insure/match/equipment-breakdown): Equipment breakdown pays for the sudden mechanical, electrical or pressure failure of equipment that property insurance excludes: compressors, boilers, refriger... - [Matching farm and agribusiness coverage: how the comparison works](https://covermatch.insure/match/farm-and-agribusiness): A farm and agribusiness package insures a working farm in one policy: the dwellings and barns, machinery and equipment, livestock and produce, and liability for... - [Matching fiduciary liability: how the comparison works](https://covermatch.insure/match/fiduciary-liability): Fiduciary liability covers the people who run an employer's benefit plans, and the employer, against claims that they breached their duties: imprudent investmen... - [Matching garage liability and garagekeepers](https://covermatch.insure/match/garage-liability): A garage policy combines liability for an auto shop's operations with coverage for customers' vehicles while you work on, store or test-drive them (garagekeeper... - [Matching general liability: how the comparison works](https://covermatch.insure/match/general-liability): General liability pays when your business is blamed for injuring someone or damaging their property, and for the lawsuit that follows. To quote it, carriers wan... - [Matching hired and non-owned auto: how the comparison works](https://covermatch.insure/match/hired-non-owned-auto): Hired and non-owned auto covers the business when an employee drives a personal car on company business, or when the business rents or borrows a vehicle, and so... - [Matching inland marine and equipment coverage](https://covermatch.insure/match/inland-marine): Inland marine insurance covers property that moves or sits away from your premises: contractors' tools and equipment, installation materials, mobile equipment,... - [Matching liquor liability](https://covermatch.insure/match/liquor-liability): Liquor liability covers the injuries and damage caused by a person your business served alcohol to — the exposure general liability excludes for anyone who sell... - [Matching media liability: how the comparison works](https://covermatch.insure/match/media-liability): Media liability pays to defend and settle claims that content you created, published or placed infringed a copyright or trademark, defamed someone, invaded priv... - [Matching medical professional liability: how the comparison works](https://covermatch.insure/match/medical-professional-liability): Medical professional liability defends and pays claims that a provider's diagnosis or treatment fell below the standard of care and injured a patient. It is usu... - [Matching motor truck cargo: how the comparison works](https://covermatch.insure/match/motor-truck-cargo): Motor truck cargo pays for damage to or loss of the goods a carrier hauls for others, from the shipper's dock to delivery, including theft, collision damage and... - [Matching participant accident coverage: how the comparison works](https://covermatch.insure/match/participant-accident): Participant accident coverage pays medical bills for a participant or volunteer injured in a covered activity, without anyone proving fault, up to a medical lim... - [Matching pollution liability: how the comparison works](https://covermatch.insure/match/pollution-liability): Pollution liability pays for the cleanup, the injury and the property damage from a release of something general liability calls a pollutant: fuel, solvents, fe... - [Matching product liability: how the comparison works](https://covermatch.insure/match/product-liability): Product liability pays when something you made, imported or sold injures someone or damages property after it left your hands. It usually sits inside general li... - [Matching professional liability (errors and omissions)](https://covermatch.insure/match/professional-liability): Professional liability, also called errors and omissions, covers claims that your work, advice or service fell short and cost a client money — the exposure gene... - [Matching special events liability: how the comparison works](https://covermatch.insure/match/special-events-liability): Special events liability covers the host of an event for injuries and property damage during it, for the day or the weekend, with the venue named as additional... - [Matching surety and license bonds: how the comparison works](https://covermatch.insure/match/surety-bonds): A surety bond is a guarantee to someone else: a licensing board, a city or a project owner. If the business fails to meet an obligation, the surety pays the obl... - [Matching technology E&O: how the comparison works](https://covermatch.insure/match/technology-eo): Technology errors and omissions pays when a client claims your software, system or technology service failed to perform and cost them money: an outage, a bug, a... - [Matching umbrella and excess liability](https://covermatch.insure/match/umbrella): An umbrella or excess liability policy adds a limit — commonly $1M to $5M for a small business — above your general liability, commercial auto and employers' li... - [Matching workers' compensation](https://covermatch.insure/match/workers-compensation): Workers' compensation covers employees' medical bills and lost wages after a work injury, and it is required in most states once you have employees. Carriers ra... ### Product - [CoverMatch is insurtech for small business](https://covermatch.insure/about): CoverMatch is insurtech: a platform where a small business keeps every policy in one wallet, issues live certificates in seconds and compares new coverage witho... - [Certificates that update themselves](https://covermatch.insure/certificates): A live certificate of insurance is a private web page for each holder — your landlord, a general contractor, a client — showing the coverage CoverMatch services... - [How CoverMatch is paid](https://covermatch.insure/compensation): Using CoverMatch is free. When you buy or move a policy through us, the insurance carrier pays CoverMatch a commission that is already part of the carrier's pri... - [Your insurance wallet, on your phone](https://covermatch.insure/get-the-app): The CoverMatch app turns the policies you already have into cards you can actually use: scan or forward a policy, get its limits and renewal date, share a live... - [How CoverMatch works](https://covermatch.insure/how-it-works): CoverMatch is a wallet for the business insurance you already have and a matching service for the coverage you still need. Scan or forward any policy and it bec... - [Licenses](https://covermatch.insure/licenses): CoverMatch is a trade name of Provident Financial Group, a licensed insurance agency. This page lists the states where it holds an insurance license, its Nation... - [CoverMatch Privacy Policy](https://covermatch.insure/privacy): CoverMatch collects the business and contact details, documents and usage data needed to store your policies, issue certificates and get you quotes. We share in... - [Quotes by email](https://covermatch.insure/quote-by-email): Email quotes@covermatch.app with the business's name, what it does, its state and ZIP, size, the lines of coverage wanted and a contact. CoverMatch reads the me... - [How we protect your business's information](https://covermatch.insure/security): CoverMatch stores your policies and documents in private, encrypted storage with short-lived links, encrypts tax IDs and payroll figures at the field level, iso... - [Like your carrier? Keep it.](https://covermatch.insure/switch): A broker-of-record switch changes who services your policy, not the policy. Your carrier, policy number, limits and price stay the same. You sign one letter, Co... - [CoverMatch Terms of Service](https://covermatch.insure/terms): These terms govern your use of CoverMatch. CoverMatch is a business tool for adults acting for a business. It is free to use; we are paid by insurance carriers... ### Requirement - [What the platform agreement actually requires](https://covermatch.insure/requirements/delivery-platform): Delivery and gig platforms require general liability naming the platform as additional insured, auto coverage that matches how deliveries are made (commercial a... - [What a delivery platform requires of a delivery service partner](https://covermatch.insure/requirements/delivery-platform/delivery-trucking): A delivery platform's fleet or delivery service partner agreement typically requires commercial auto liability of $1M combined single limit on every vehicle, of... - [What a delivery platform requires of a restaurant merchant](https://covermatch.insure/requirements/delivery-platform/restaurants): A delivery platform's merchant agreement typically requires a restaurant to carry general liability of $1M per occurrence and $2M aggregate including products c... - [What the enterprise vendor form actually requires](https://covermatch.insure/requirements/enterprise-client): Enterprise vendor onboarding requires general liability with the client as additional insured, professional liability for service providers, cyber liability for... - [What a corporate client requires of a commercial cleaning vendor](https://covermatch.insure/requirements/enterprise-client/cleaning): A corporate facilities services agreement typically requires a cleaning vendor to carry general liability of $1M per occurrence and $2M aggregate with the clien... - [What a shipper requires of a delivery or trucking company](https://covermatch.insure/requirements/enterprise-client/delivery-trucking): A shipper's transportation or courier agreement typically requires commercial auto liability of $1M combined single limit, more with an umbrella for dedicated o... - [What a corporate client requires of an IT services provider](https://covermatch.insure/requirements/enterprise-client/it-services): A corporate IT services agreement typically requires combined technology errors and omissions and cyber liability of $2M to $10M per claim covering third-party... - [What a corporate client requires of a landscaping vendor](https://covermatch.insure/requirements/enterprise-client/landscaping): A corporate facilities or campus grounds contract typically requires general liability of $1M per occurrence and $2M aggregate with the client and its affiliate... - [What a corporate client requires of a professional services firm](https://covermatch.insure/requirements/enterprise-client/professional-services): A corporate master services agreement typically requires professional liability of $1M to $5M per claim, standalone cyber and privacy liability of $1M to $5M wh... - [What the venue's vendor agreement actually requires](https://covermatch.insure/requirements/event-venue): Venues require vendors to carry general liability naming the venue and its owner as additional insured, liquor liability if alcohol is served, commercial auto f... - [What an event venue requires of a caterer or food vendor](https://covermatch.insure/requirements/event-venue/restaurants): An event venue's vendor agreement typically requires a caterer or food vendor to carry general liability of $1M per occurrence and $2M aggregate including produ... - [What your franchise agreement actually requires](https://covermatch.insure/requirements/franchisor): A franchise agreement requires a schedule of coverage that protects the brand as well as you: general liability with the franchisor as additional insured, prope... - [What your fitness franchisor requires](https://covermatch.insure/requirements/franchisor/fitness): A fitness franchise agreement typically requires general liability of $1M per occurrence and $2M aggregate with no participant exclusion and the franchisor as a... - [What your retail franchisor requires](https://covermatch.insure/requirements/franchisor/retail): A retail franchise agreement typically requires general liability of $1M per occurrence and $2M aggregate including products coverage with the franchisor as add... - [What your salon or spa franchisor requires](https://covermatch.insure/requirements/franchisor/salons-spas): A salon or spa franchise agreement typically requires general liability of $1M per occurrence and $2M aggregate with the franchisor as additional insured, profe... - [What your grant agreement or government contract actually requires](https://covermatch.insure/requirements/funder): A government contract or a grant agreement names the coverage it expects before it pays: general and professional liability at stated limits, abuse and molestat... - [What the general contractor's subcontract actually requires](https://covermatch.insure/requirements/general-contractor): A general contractor's subcontract requires general liability with completed operations, additional insured status for the GC and owner covering both ongoing an... - [What a general contractor requires before a subcontractor starts](https://covermatch.insure/requirements/general-contractor/contractors): A general contractor's subcontract typically requires general liability of $1M per occurrence and $2M aggregate per project with $2M products-completed operatio... - [What a general contractor requires of an electrical sub](https://covermatch.insure/requirements/general-contractor/electricians): An electrical subcontract typically requires general liability of $1M per occurrence and $2M aggregate per project with $2M products-completed operations, the G... - [What a general contractor requires of a plumbing or HVAC sub](https://covermatch.insure/requirements/general-contractor/plumbing-hvac): A plumbing or HVAC subcontract typically requires general liability of $1M per occurrence and $2M aggregate per project with $2M products-completed operations,... - [What your league, sanctioning body or field owner actually requires](https://covermatch.insure/requirements/governing-body): A sanctioning body, a league or the owner of the fields and gyms you use will not let a program play until it sees general liability with participant coverage n... - [What your landlord's lease actually requires](https://covermatch.insure/requirements/landlord): A commercial lease almost always requires general liability with the landlord named as additional insured, property coverage on your improvements and contents,... - [What your landlord requires when the tenant is an auto shop](https://covermatch.insure/requirements/landlord/auto-services): An auto repair or detailing lease typically requires garage liability or general liability of $1M per occurrence and $2M aggregate with the landlord as addition... - [What your landlord requires when the tenant is a childcare center](https://covermatch.insure/requirements/landlord/childcare): A childcare or preschool lease typically requires general liability of $1M per occurrence and $2M aggregate with the landlord as additional insured and with sex... - [What a landlord requires before a cleaning company works in the building](https://covermatch.insure/requirements/landlord/cleaning): A landlord's vendor or building access agreement for a cleaning company typically requires general liability of $1M per occurrence and $2M aggregate with the ow... - [What your landlord requires when the tenant is a gym or studio](https://covermatch.insure/requirements/landlord/fitness): A fitness lease typically requires general liability of $1M per occurrence and $2M aggregate with the landlord as additional insured, professional liability for... - [What your landlord requires when the tenant is a professional office](https://covermatch.insure/requirements/landlord/professional-services): An office lease typically requires general liability of $1M per occurrence and $2M aggregate with the landlord, property manager and lender as additional insure... - [What your landlord requires when the tenant is a restaurant](https://covermatch.insure/requirements/landlord/restaurants): A restaurant lease typically requires general liability of $1M per occurrence and $2M aggregate with the landlord as additional insured on a primary and non-con... - [What your landlord requires when the tenant is a shop](https://covermatch.insure/requirements/landlord/retail): A retail lease typically requires general liability of $1M per occurrence and $2M aggregate with the landlord and property manager as additional insureds, repla... - [What your landlord requires when the tenant is a salon or spa](https://covermatch.insure/requirements/landlord/salons-spas): A salon or spa lease typically requires general liability of $1M per occurrence and $2M aggregate with the landlord as additional insured, professional liabilit... - [What your lender's loan documents actually require](https://covermatch.insure/requirements/lender): A lender wants the thing it financed insured and its own name on the policy: property or auto physical damage with the lender as loss payee or mortgagee, liabil... - [What the municipality's permit or contract actually requires](https://covermatch.insure/requirements/municipality): Permit offices and public contracts require general liability naming the municipality as additional insured, commercial auto at a stated limit, workers' compens... - [What the city, county and licensing agency require of a childcare provider](https://covermatch.insure/requirements/municipality/childcare): Government requirements on a childcare provider typically combine the state license, which in many states requires general liability of $1M per occurrence and $... - [What a city or county requires before a contractor is awarded public work](https://covermatch.insure/requirements/municipality/contractors): A municipal public works contract typically requires general liability of $1M per occurrence and $2M aggregate, often more on larger projects, with the city, it... - [What a city or county requires of an electrical contractor](https://covermatch.insure/requirements/municipality/electricians): A municipality typically requires an electrical contractor to file a license, permit bond and liability certificate before pulling permits, and on public work t... - [What a city or county requires of a landscaping contractor](https://covermatch.insure/requirements/municipality/landscaping): A municipal landscaping, grounds or snow contract typically requires general liability of $1M per occurrence and $2M aggregate with the city and its officials a... - [What a city or county requires of a plumbing or HVAC contractor](https://covermatch.insure/requirements/municipality/plumbing-hvac): A municipality typically requires a plumbing or HVAC contractor to file a license, permit bond and liability certificate before permits issue, and on public wor... - [What the property manager's agreement actually requires](https://covermatch.insure/requirements/property-manager): Property managers and HOAs require vendors to carry general liability naming the owner, the association and the management company as additional insured, a waiv... - [What a property manager requires of a cleaning vendor](https://covermatch.insure/requirements/property-manager/cleaning): A property manager's cleaning contract typically requires general liability of $1M per occurrence and $2M aggregate with the owner and management company as add... - [What a property manager requires before a contractor works in its buildings](https://covermatch.insure/requirements/property-manager/contractors): A property manager's vendor program typically requires general liability of $1M per occurrence and $2M aggregate with the owner and management company as additi... - [What a property manager requires of a landscaping or snow vendor](https://covermatch.insure/requirements/property-manager/landscaping): A property manager's grounds or snow contract typically requires general liability of $1M per occurrence and $2M aggregate with the owner and management company... - [What a property manager requires of a plumbing or HVAC vendor](https://covermatch.insure/requirements/property-manager/plumbing-hvac): A property manager's mechanical vendor program typically requires general liability of $1M per occurrence and $2M aggregate with $2M products-completed operatio... ### State - [Arizona: what the state requires of a small business](https://covermatch.insure/states/az): In Arizona, every employer with one or more employees, full-time or part-time, must carry workers' compensation through the Industrial Commission's rules; regis... - [Auto repair & detailing insurance in Arizona](https://covermatch.insure/states/az/auto-services): Auto repair & detailing in Arizona usually carry garage liability, commercial property and workers' compensation. Arizona itself requires workers' compensation... - [Daycare & childcare insurance in Arizona](https://covermatch.insure/states/az/childcare): Daycare & childcare in Arizona usually carry general liability, professional liability (E&O) and commercial property. Arizona itself requires workers' compensat... - [Cleaning & janitorial insurance in Arizona](https://covermatch.insure/states/az/cleaning): Cleaning & janitorial in Arizona usually carry general liability, commercial crime and workers' compensation. Arizona itself requires workers' compensation from... - [Contractors & trades insurance in Arizona](https://covermatch.insure/states/az/contractors): Contractors & trades in Arizona usually carry general liability, workers' compensation and commercial auto. Arizona itself requires workers' compensation from t... - [Delivery & trucking insurance in Arizona](https://covermatch.insure/states/az/delivery-trucking): Delivery & trucking in Arizona usually carry commercial auto, inland marine / equipment and general liability. Arizona itself requires workers' compensation fro... - [Electricians insurance in Arizona](https://covermatch.insure/states/az/electricians): Electricians in Arizona usually carry general liability, workers' compensation and commercial auto. Arizona itself requires workers' compensation from the first... - [Gyms & fitness studios insurance in Arizona](https://covermatch.insure/states/az/fitness): Gyms & fitness studios in Arizona usually carry general liability, professional liability (E&O) and commercial property. Arizona itself requires workers' compen... - [IT & software services insurance in Arizona](https://covermatch.insure/states/az/it-services): IT & software services in Arizona usually carry professional liability (E&O), cyber liability and general liability. Arizona itself requires workers' compensati... - [Landscaping & lawn care insurance in Arizona](https://covermatch.insure/states/az/landscaping): Landscaping & lawn care in Arizona usually carry general liability, workers' compensation and commercial auto. Arizona itself requires workers' compensation fro... - [Plumbing & HVAC insurance in Arizona](https://covermatch.insure/states/az/plumbing-hvac): Plumbing & HVAC in Arizona usually carry general liability, workers' compensation and commercial auto. Arizona itself requires workers' compensation from the fi... - [Professional services insurance in Arizona](https://covermatch.insure/states/az/professional-services): Professional services in Arizona usually carry professional liability (E&O), general liability and workers' compensation. Arizona itself requires workers' compe... - [Restaurants & cafés insurance in Arizona](https://covermatch.insure/states/az/restaurants): Restaurants & cafés in Arizona usually carry business owner's policy and workers' compensation. Arizona itself requires workers' compensation from the first emp... - [Retail shops insurance in Arizona](https://covermatch.insure/states/az/retail): Retail shops in Arizona usually carry business owner's policy and workers' compensation. Arizona itself requires workers' compensation from the first employee.... - [Salons & spas insurance in Arizona](https://covermatch.insure/states/az/salons-spas): Salons & spas in Arizona usually carry business owner's policy, professional liability (E&O) and workers' compensation. Arizona itself requires workers' compens... - [When Arizona requires workers’ compensation](https://covermatch.insure/states/az/workers-comp-thresholds): In Arizona, workers' compensation is required from the first employee. Part-time, seasonal and family employees count. Independent contractors do not, but the t... - [California: what the state requires of a small business](https://covermatch.insure/states/ca): In California, every employer with one or more employees must carry workers' compensation, and failing to do so is a misdemeanor with stop orders and penalties.... - [Auto repair & detailing insurance in California](https://covermatch.insure/states/ca/auto-services): Auto repair & detailing in California usually carry garage liability, commercial property and workers' compensation. California itself requires workers' compens... - [Daycare & childcare insurance in California](https://covermatch.insure/states/ca/childcare): Daycare & childcare in California usually carry general liability, professional liability (E&O) and commercial property. California itself requires workers' com... - [Cleaning & janitorial insurance in California](https://covermatch.insure/states/ca/cleaning): Cleaning & janitorial in California usually carry general liability, commercial crime and workers' compensation. California itself requires workers' compensatio... - [Contractors & trades insurance in California](https://covermatch.insure/states/ca/contractors): Contractors & trades in California usually carry general liability, workers' compensation and commercial auto. California itself requires workers' compensation... - [Delivery & trucking insurance in California](https://covermatch.insure/states/ca/delivery-trucking): Delivery & trucking in California usually carry commercial auto, inland marine / equipment and general liability. California itself requires workers' compensati... - [Electricians insurance in California](https://covermatch.insure/states/ca/electricians): Electricians in California usually carry general liability, workers' compensation and commercial auto. California itself requires workers' compensation from the... - [Gyms & fitness studios insurance in California](https://covermatch.insure/states/ca/fitness): Gyms & fitness studios in California usually carry general liability, professional liability (E&O) and commercial property. California itself requires workers'... - [IT & software services insurance in California](https://covermatch.insure/states/ca/it-services): IT & software services in California usually carry professional liability (E&O), cyber liability and general liability. California itself requires workers' comp... - [Landscaping & lawn care insurance in California](https://covermatch.insure/states/ca/landscaping): Landscaping & lawn care in California usually carry general liability, workers' compensation and commercial auto. California itself requires workers' compensati... - [Plumbing & HVAC insurance in California](https://covermatch.insure/states/ca/plumbing-hvac): Plumbing & HVAC in California usually carry general liability, workers' compensation and commercial auto. California itself requires workers' compensation from... - [Professional services insurance in California](https://covermatch.insure/states/ca/professional-services): Professional services in California usually carry professional liability (E&O), general liability and workers' compensation. California itself requires workers'... - [Restaurants & cafés insurance in California](https://covermatch.insure/states/ca/restaurants): Restaurants & cafés in California usually carry business owner's policy and workers' compensation. California itself requires workers' compensation from the fir... - [Retail shops insurance in California](https://covermatch.insure/states/ca/retail): Retail shops in California usually carry business owner's policy and workers' compensation. California itself requires workers' compensation from the first empl... - [Salons & spas insurance in California](https://covermatch.insure/states/ca/salons-spas): Salons & spas in California usually carry business owner's policy, professional liability (E&O) and workers' compensation. California itself requires workers' c... - [When California requires workers’ compensation](https://covermatch.insure/states/ca/workers-comp-thresholds): In California, workers' compensation is required from the first employee, even part-time. Family members, part-timers and most casual help count. Many licensed... - [Connecticut: what the state requires of a small business](https://covermatch.insure/states/ct): In Connecticut, any business using the services of one or more employees for pay must secure workers' compensation with an authorized insurer or as an approved... - [Auto repair & detailing insurance in Connecticut](https://covermatch.insure/states/ct/auto-services): Auto repair & detailing in Connecticut usually carry garage liability, commercial property and workers' compensation. Connecticut itself requires workers' compe... - [Daycare & childcare insurance in Connecticut](https://covermatch.insure/states/ct/childcare): Daycare & childcare in Connecticut usually carry general liability, professional liability (E&O) and commercial property. Connecticut itself requires workers' c... - [Cleaning & janitorial insurance in Connecticut](https://covermatch.insure/states/ct/cleaning): Cleaning & janitorial in Connecticut usually carry general liability, commercial crime and workers' compensation. Connecticut itself requires workers' compensat... - [Contractors & trades insurance in Connecticut](https://covermatch.insure/states/ct/contractors): Contractors & trades in Connecticut usually carry general liability, workers' compensation and commercial auto. Connecticut itself requires workers' compensatio... - [Delivery & trucking insurance in Connecticut](https://covermatch.insure/states/ct/delivery-trucking): Delivery & trucking in Connecticut usually carry commercial auto, inland marine / equipment and general liability. Connecticut itself requires workers' compensa... - [Electricians insurance in Connecticut](https://covermatch.insure/states/ct/electricians): Electricians in Connecticut usually carry general liability, workers' compensation and commercial auto. Connecticut itself requires workers' compensation from t... - [Gyms & fitness studios insurance in Connecticut](https://covermatch.insure/states/ct/fitness): Gyms & fitness studios in Connecticut usually carry general liability, professional liability (E&O) and commercial property. Connecticut itself requires workers... - [IT & software services insurance in Connecticut](https://covermatch.insure/states/ct/it-services): IT & software services in Connecticut usually carry professional liability (E&O), cyber liability and general liability. Connecticut itself requires workers' co... - [Landscaping & lawn care insurance in Connecticut](https://covermatch.insure/states/ct/landscaping): Landscaping & lawn care in Connecticut usually carry general liability, workers' compensation and commercial auto. Connecticut itself requires workers' compensa... - [Plumbing & HVAC insurance in Connecticut](https://covermatch.insure/states/ct/plumbing-hvac): Plumbing & HVAC in Connecticut usually carry general liability, workers' compensation and commercial auto. Connecticut itself requires workers' compensation fro... - [Professional services insurance in Connecticut](https://covermatch.insure/states/ct/professional-services): Professional services in Connecticut usually carry professional liability (E&O), general liability and workers' compensation. Connecticut itself requires worker... - [Restaurants & cafés insurance in Connecticut](https://covermatch.insure/states/ct/restaurants): Restaurants & cafés in Connecticut usually carry business owner's policy and workers' compensation. Connecticut itself requires workers' compensation from the f... - [Retail shops insurance in Connecticut](https://covermatch.insure/states/ct/retail): Retail shops in Connecticut usually carry business owner's policy and workers' compensation. Connecticut itself requires workers' compensation from the first em... - [Salons & spas insurance in Connecticut](https://covermatch.insure/states/ct/salons-spas): Salons & spas in Connecticut usually carry business owner's policy, professional liability (E&O) and workers' compensation. Connecticut itself requires workers'... - [When Connecticut requires workers’ compensation](https://covermatch.insure/states/ct/workers-comp-thresholds): In Connecticut, workers' compensation is required from the first employee. Employees of any hours count. Sole proprietors and partners are covered only if they... - [Washington, DC: what the District requires of a small business](https://covermatch.insure/states/dc): In the District of Columbia, an employer with one or more employees must carry workers' compensation insurance or be approved to self-insure by the Office of Wo... - [Auto repair & detailing insurance in District of Columbia](https://covermatch.insure/states/dc/auto-services): Auto repair & detailing in District of Columbia usually carry garage liability, commercial property and workers' compensation. District of Columbia itself requi... - [Daycare & childcare insurance in District of Columbia](https://covermatch.insure/states/dc/childcare): Daycare & childcare in District of Columbia usually carry general liability, professional liability (E&O) and commercial property. District of Columbia itself r... - [Cleaning & janitorial insurance in District of Columbia](https://covermatch.insure/states/dc/cleaning): Cleaning & janitorial in District of Columbia usually carry general liability, commercial crime and workers' compensation. District of Columbia itself requires... - [Contractors & trades insurance in District of Columbia](https://covermatch.insure/states/dc/contractors): Contractors & trades in District of Columbia usually carry general liability, workers' compensation and commercial auto. District of Columbia itself requires wo... - [Delivery & trucking insurance in District of Columbia](https://covermatch.insure/states/dc/delivery-trucking): Delivery & trucking in District of Columbia usually carry commercial auto, inland marine / equipment and general liability. District of Columbia itself requires... - [Electricians insurance in District of Columbia](https://covermatch.insure/states/dc/electricians): Electricians in District of Columbia usually carry general liability, workers' compensation and commercial auto. District of Columbia itself requires workers' c... - [Gyms & fitness studios insurance in District of Columbia](https://covermatch.insure/states/dc/fitness): Gyms & fitness studios in District of Columbia usually carry general liability, professional liability (E&O) and commercial property. District of Columbia itsel... - [IT & software services insurance in District of Columbia](https://covermatch.insure/states/dc/it-services): IT & software services in District of Columbia usually carry professional liability (E&O), cyber liability and general liability. District of Columbia itself re... - [Landscaping & lawn care insurance in District of Columbia](https://covermatch.insure/states/dc/landscaping): Landscaping & lawn care in District of Columbia usually carry general liability, workers' compensation and commercial auto. District of Columbia itself requires... - [Plumbing & HVAC insurance in District of Columbia](https://covermatch.insure/states/dc/plumbing-hvac): Plumbing & HVAC in District of Columbia usually carry general liability, workers' compensation and commercial auto. District of Columbia itself requires workers... - [Professional services insurance in District of Columbia](https://covermatch.insure/states/dc/professional-services): Professional services in District of Columbia usually carry professional liability (E&O), general liability and workers' compensation. District of Columbia itse... - [Restaurants & cafés insurance in District of Columbia](https://covermatch.insure/states/dc/restaurants): Restaurants & cafés in District of Columbia usually carry business owner's policy and workers' compensation. District of Columbia itself requires workers' compe... - [Retail shops insurance in District of Columbia](https://covermatch.insure/states/dc/retail): Retail shops in District of Columbia usually carry business owner's policy and workers' compensation. District of Columbia itself requires workers' compensation... - [Salons & spas insurance in District of Columbia](https://covermatch.insure/states/dc/salons-spas): Salons & spas in District of Columbia usually carry business owner's policy, professional liability (E&O) and workers' compensation. District of Columbia itself... - [When the District of Columbia requires workers’ compensation](https://covermatch.insure/states/dc/workers-comp-thresholds): In the District of Columbia, workers' compensation is required from the first employee. Casual and part-time employees count, and coverage follows where the wor... - [Delaware: what the state requires of a small business](https://covermatch.insure/states/de): In Delaware, almost every employer with one or more employees, full-time, part-time, seasonal or temporary, must have workers' compensation in place before the... - [Auto repair & detailing insurance in Delaware](https://covermatch.insure/states/de/auto-services): Auto repair & detailing in Delaware usually carry garage liability, commercial property and workers' compensation. Delaware itself requires workers' compensatio... - [Daycare & childcare insurance in Delaware](https://covermatch.insure/states/de/childcare): Daycare & childcare in Delaware usually carry general liability, professional liability (E&O) and commercial property. Delaware itself requires workers' compens... - [Cleaning & janitorial insurance in Delaware](https://covermatch.insure/states/de/cleaning): Cleaning & janitorial in Delaware usually carry general liability, commercial crime and workers' compensation. Delaware itself requires workers' compensation fr... - [Contractors & trades insurance in Delaware](https://covermatch.insure/states/de/contractors): Contractors & trades in Delaware usually carry general liability, workers' compensation and commercial auto. Delaware itself requires workers' compensation from... - [Delivery & trucking insurance in Delaware](https://covermatch.insure/states/de/delivery-trucking): Delivery & trucking in Delaware usually carry commercial auto, inland marine / equipment and general liability. Delaware itself requires workers' compensation f... - [Electricians insurance in Delaware](https://covermatch.insure/states/de/electricians): Electricians in Delaware usually carry general liability, workers' compensation and commercial auto. Delaware itself requires workers' compensation from the fir... - [Gyms & fitness studios insurance in Delaware](https://covermatch.insure/states/de/fitness): Gyms & fitness studios in Delaware usually carry general liability, professional liability (E&O) and commercial property. Delaware itself requires workers' comp... - [IT & software services insurance in Delaware](https://covermatch.insure/states/de/it-services): IT & software services in Delaware usually carry professional liability (E&O), cyber liability and general liability. Delaware itself requires workers' compensa... - [Landscaping & lawn care insurance in Delaware](https://covermatch.insure/states/de/landscaping): Landscaping & lawn care in Delaware usually carry general liability, workers' compensation and commercial auto. Delaware itself requires workers' compensation f... - [Plumbing & HVAC insurance in Delaware](https://covermatch.insure/states/de/plumbing-hvac): Plumbing & HVAC in Delaware usually carry general liability, workers' compensation and commercial auto. Delaware itself requires workers' compensation from the... - [Professional services insurance in Delaware](https://covermatch.insure/states/de/professional-services): Professional services in Delaware usually carry professional liability (E&O), general liability and workers' compensation. Delaware itself requires workers' com... - [Restaurants & cafés insurance in Delaware](https://covermatch.insure/states/de/restaurants): Restaurants & cafés in Delaware usually carry business owner's policy and workers' compensation. Delaware itself requires workers' compensation from the first e... - [Retail shops insurance in Delaware](https://covermatch.insure/states/de/retail): Retail shops in Delaware usually carry business owner's policy and workers' compensation. Delaware itself requires workers' compensation from the first employee... - [Salons & spas insurance in Delaware](https://covermatch.insure/states/de/salons-spas): Salons & spas in Delaware usually carry business owner's policy, professional liability (E&O) and workers' compensation. Delaware itself requires workers' compe... - [When Delaware requires workers’ compensation](https://covermatch.insure/states/de/workers-comp-thresholds): In Delaware, workers' compensation is required from the first employee. Part-time employees count; the requirement covers the employer's employees working in De... - [Florida: what the state requires of a small business](https://covermatch.insure/states/fl): In Florida, construction businesses must carry workers' compensation from the first employee (including owners unless exempt), non-construction businesses from... - [Auto repair & detailing insurance in Florida](https://covermatch.insure/states/fl/auto-services): Auto repair & detailing in Florida usually carry garage liability, commercial property and workers' compensation. Florida itself requires workers' compensation... - [Daycare & childcare insurance in Florida](https://covermatch.insure/states/fl/childcare): Daycare & childcare in Florida usually carry general liability, professional liability (E&O) and commercial property. Florida itself requires workers' compensat... - [Cleaning & janitorial insurance in Florida](https://covermatch.insure/states/fl/cleaning): Cleaning & janitorial in Florida usually carry general liability, commercial crime and workers' compensation. Florida itself requires workers' compensation once... - [Contractors & trades insurance in Florida](https://covermatch.insure/states/fl/contractors): Contractors & trades in Florida usually carry general liability, workers' compensation and commercial auto. Florida itself requires workers' compensation once y... - [Delivery & trucking insurance in Florida](https://covermatch.insure/states/fl/delivery-trucking): Delivery & trucking in Florida usually carry commercial auto, inland marine / equipment and general liability. Florida itself requires workers' compensation onc... - [Electricians insurance in Florida](https://covermatch.insure/states/fl/electricians): Electricians in Florida usually carry general liability, workers' compensation and commercial auto. Florida itself requires workers' compensation once you have... - [Gyms & fitness studios insurance in Florida](https://covermatch.insure/states/fl/fitness): Gyms & fitness studios in Florida usually carry general liability, professional liability (E&O) and commercial property. Florida itself requires workers' compen... - [IT & software services insurance in Florida](https://covermatch.insure/states/fl/it-services): IT & software services in Florida usually carry professional liability (E&O), cyber liability and general liability. Florida itself requires workers' compensati... - [Landscaping & lawn care insurance in Florida](https://covermatch.insure/states/fl/landscaping): Landscaping & lawn care in Florida usually carry general liability, workers' compensation and commercial auto. Florida itself requires workers' compensation onc... - [Plumbing & HVAC insurance in Florida](https://covermatch.insure/states/fl/plumbing-hvac): Plumbing & HVAC in Florida usually carry general liability, workers' compensation and commercial auto. Florida itself requires workers' compensation once you ha... - [Professional services insurance in Florida](https://covermatch.insure/states/fl/professional-services): Professional services in Florida usually carry professional liability (E&O), general liability and workers' compensation. Florida itself requires workers' compe... - [Restaurants & cafés insurance in Florida](https://covermatch.insure/states/fl/restaurants): Restaurants & cafés in Florida usually carry business owner's policy and workers' compensation. Florida itself requires workers' compensation once you have four... - [Retail shops insurance in Florida](https://covermatch.insure/states/fl/retail): Retail shops in Florida usually carry business owner's policy and workers' compensation. Florida itself requires workers' compensation once you have four or mor... - [Salons & spas insurance in Florida](https://covermatch.insure/states/fl/salons-spas): Salons & spas in Florida usually carry business owner's policy, professional liability (E&O) and workers' compensation. Florida itself requires workers' compens... - [When Florida requires workers’ compensation](https://covermatch.insure/states/fl/workers-comp-thresholds): In Florida, workers' compensation is required once you have four or more employees (in construction, from the first). Part-time employees count toward the four.... - [Georgia: what the state requires of a small business](https://covermatch.insure/states/ga): In Georgia, a business that regularly has three or more employees in the state, counting part-time and seasonal workers and corporate officers even when they ex... - [Auto repair & detailing insurance in Georgia](https://covermatch.insure/states/ga/auto-services): Auto repair & detailing in Georgia usually carry garage liability, commercial property and workers' compensation. Georgia itself requires workers' compensation... - [Daycare & childcare insurance in Georgia](https://covermatch.insure/states/ga/childcare): Daycare & childcare in Georgia usually carry general liability, professional liability (E&O) and commercial property. Georgia itself requires workers' compensat... - [Cleaning & janitorial insurance in Georgia](https://covermatch.insure/states/ga/cleaning): Cleaning & janitorial in Georgia usually carry general liability, commercial crime and workers' compensation. Georgia itself requires workers' compensation once... - [Contractors & trades insurance in Georgia](https://covermatch.insure/states/ga/contractors): Contractors & trades in Georgia usually carry general liability, workers' compensation and commercial auto. Georgia itself requires workers' compensation once y... - [Delivery & trucking insurance in Georgia](https://covermatch.insure/states/ga/delivery-trucking): Delivery & trucking in Georgia usually carry commercial auto, inland marine / equipment and general liability. Georgia itself requires workers' compensation onc... - [Electricians insurance in Georgia](https://covermatch.insure/states/ga/electricians): Electricians in Georgia usually carry general liability, workers' compensation and commercial auto. Georgia itself requires workers' compensation once you have... - [Gyms & fitness studios insurance in Georgia](https://covermatch.insure/states/ga/fitness): Gyms & fitness studios in Georgia usually carry general liability, professional liability (E&O) and commercial property. Georgia itself requires workers' compen... - [IT & software services insurance in Georgia](https://covermatch.insure/states/ga/it-services): IT & software services in Georgia usually carry professional liability (E&O), cyber liability and general liability. Georgia itself requires workers' compensati... - [Landscaping & lawn care insurance in Georgia](https://covermatch.insure/states/ga/landscaping): Landscaping & lawn care in Georgia usually carry general liability, workers' compensation and commercial auto. Georgia itself requires workers' compensation onc... - [Plumbing & HVAC insurance in Georgia](https://covermatch.insure/states/ga/plumbing-hvac): Plumbing & HVAC in Georgia usually carry general liability, workers' compensation and commercial auto. Georgia itself requires workers' compensation once you ha... - [Professional services insurance in Georgia](https://covermatch.insure/states/ga/professional-services): Professional services in Georgia usually carry professional liability (E&O), general liability and workers' compensation. Georgia itself requires workers' compe... - [Restaurants & cafés insurance in Georgia](https://covermatch.insure/states/ga/restaurants): Restaurants & cafés in Georgia usually carry business owner's policy and workers' compensation. Georgia itself requires workers' compensation once you have thre... - [Retail shops insurance in Georgia](https://covermatch.insure/states/ga/retail): Retail shops in Georgia usually carry business owner's policy and workers' compensation. Georgia itself requires workers' compensation once you have three or mo... - [Salons & spas insurance in Georgia](https://covermatch.insure/states/ga/salons-spas): Salons & spas in Georgia usually carry business owner's policy, professional liability (E&O) and workers' compensation. Georgia itself requires workers' compens... - [When Georgia requires workers’ compensation](https://covermatch.insure/states/ga/workers-comp-thresholds): In Georgia, workers' compensation is required once you have three or more employees. Regular part-time employees count. Independent contractors do not when they... - [Indiana: what the state requires of a small business](https://covermatch.insure/states/in): In Indiana, any employer with one or more employees, full-time, part-time or seasonal, must carry workers' compensation with an authorized carrier or prove to t... - [Auto repair & detailing insurance in Indiana](https://covermatch.insure/states/in/auto-services): Auto repair & detailing in Indiana usually carry garage liability, commercial property and workers' compensation. Indiana itself requires workers' compensation... - [Daycare & childcare insurance in Indiana](https://covermatch.insure/states/in/childcare): Daycare & childcare in Indiana usually carry general liability, professional liability (E&O) and commercial property. Indiana itself requires workers' compensat... - [Cleaning & janitorial insurance in Indiana](https://covermatch.insure/states/in/cleaning): Cleaning & janitorial in Indiana usually carry general liability, commercial crime and workers' compensation. Indiana itself requires workers' compensation from... - [Contractors & trades insurance in Indiana](https://covermatch.insure/states/in/contractors): Contractors & trades in Indiana usually carry general liability, workers' compensation and commercial auto. Indiana itself requires workers' compensation from t... - [Delivery & trucking insurance in Indiana](https://covermatch.insure/states/in/delivery-trucking): Delivery & trucking in Indiana usually carry commercial auto, inland marine / equipment and general liability. Indiana itself requires workers' compensation fro... - [Electricians insurance in Indiana](https://covermatch.insure/states/in/electricians): Electricians in Indiana usually carry general liability, workers' compensation and commercial auto. Indiana itself requires workers' compensation from the first... - [Gyms & fitness studios insurance in Indiana](https://covermatch.insure/states/in/fitness): Gyms & fitness studios in Indiana usually carry general liability, professional liability (E&O) and commercial property. Indiana itself requires workers' compen... - [IT & software services insurance in Indiana](https://covermatch.insure/states/in/it-services): IT & software services in Indiana usually carry professional liability (E&O), cyber liability and general liability. Indiana itself requires workers' compensati... - [Landscaping & lawn care insurance in Indiana](https://covermatch.insure/states/in/landscaping): Landscaping & lawn care in Indiana usually carry general liability, workers' compensation and commercial auto. Indiana itself requires workers' compensation fro... - [Plumbing & HVAC insurance in Indiana](https://covermatch.insure/states/in/plumbing-hvac): Plumbing & HVAC in Indiana usually carry general liability, workers' compensation and commercial auto. Indiana itself requires workers' compensation from the fi... - [Professional services insurance in Indiana](https://covermatch.insure/states/in/professional-services): Professional services in Indiana usually carry professional liability (E&O), general liability and workers' compensation. Indiana itself requires workers' compe... - [Restaurants & cafés insurance in Indiana](https://covermatch.insure/states/in/restaurants): Restaurants & cafés in Indiana usually carry business owner's policy and workers' compensation. Indiana itself requires workers' compensation from the first emp... - [Retail shops insurance in Indiana](https://covermatch.insure/states/in/retail): Retail shops in Indiana usually carry business owner's policy and workers' compensation. Indiana itself requires workers' compensation from the first employee.... - [Salons & spas insurance in Indiana](https://covermatch.insure/states/in/salons-spas): Salons & spas in Indiana usually carry business owner's policy, professional liability (E&O) and workers' compensation. Indiana itself requires workers' compens... - [When Indiana requires workers’ compensation](https://covermatch.insure/states/in/workers-comp-thresholds): In Indiana, workers' compensation is required from the first employee. Part-time employees count, and an out-of-state employer with workers in Indiana needs Ind... - [Kansas: what the state requires of a small business](https://covermatch.insure/states/ks): In Kansas, an employer is subject to the Workers Compensation Act once its gross annual payroll was more than $20,000 in the prior year or is reasonably expecte... - [Auto repair & detailing insurance in Kansas](https://covermatch.insure/states/ks/auto-services): Auto repair & detailing in Kansas usually carry garage liability, commercial property and workers' compensation. Kansas itself requires workers' compensation on... - [Daycare & childcare insurance in Kansas](https://covermatch.insure/states/ks/childcare): Daycare & childcare in Kansas usually carry general liability, professional liability (E&O) and commercial property. Kansas itself requires workers' compensatio... - [Cleaning & janitorial insurance in Kansas](https://covermatch.insure/states/ks/cleaning): Cleaning & janitorial in Kansas usually carry general liability, commercial crime and workers' compensation. Kansas itself requires workers' compensation once g... - [Contractors & trades insurance in Kansas](https://covermatch.insure/states/ks/contractors): Contractors & trades in Kansas usually carry general liability, workers' compensation and commercial auto. Kansas itself requires workers' compensation once gro... - [Delivery & trucking insurance in Kansas](https://covermatch.insure/states/ks/delivery-trucking): Delivery & trucking in Kansas usually carry commercial auto, inland marine / equipment and general liability. Kansas itself requires workers' compensation once... - [Electricians insurance in Kansas](https://covermatch.insure/states/ks/electricians): Electricians in Kansas usually carry general liability, workers' compensation and commercial auto. Kansas itself requires workers' compensation once gross annua... - [Gyms & fitness studios insurance in Kansas](https://covermatch.insure/states/ks/fitness): Gyms & fitness studios in Kansas usually carry general liability, professional liability (E&O) and commercial property. Kansas itself requires workers' compensa... - [IT & software services insurance in Kansas](https://covermatch.insure/states/ks/it-services): IT & software services in Kansas usually carry professional liability (E&O), cyber liability and general liability. Kansas itself requires workers' compensation... - [Landscaping & lawn care insurance in Kansas](https://covermatch.insure/states/ks/landscaping): Landscaping & lawn care in Kansas usually carry general liability, workers' compensation and commercial auto. Kansas itself requires workers' compensation once... - [Plumbing & HVAC insurance in Kansas](https://covermatch.insure/states/ks/plumbing-hvac): Plumbing & HVAC in Kansas usually carry general liability, workers' compensation and commercial auto. Kansas itself requires workers' compensation once gross an... - [Professional services insurance in Kansas](https://covermatch.insure/states/ks/professional-services): Professional services in Kansas usually carry professional liability (E&O), general liability and workers' compensation. Kansas itself requires workers' compens... - [Restaurants & cafés insurance in Kansas](https://covermatch.insure/states/ks/restaurants): Restaurants & cafés in Kansas usually carry business owner's policy and workers' compensation. Kansas itself requires workers' compensation once gross annual pa... - [Retail shops insurance in Kansas](https://covermatch.insure/states/ks/retail): Retail shops in Kansas usually carry business owner's policy and workers' compensation. Kansas itself requires workers' compensation once gross annual payroll e... - [Salons & spas insurance in Kansas](https://covermatch.insure/states/ks/salons-spas): Salons & spas in Kansas usually carry business owner's policy, professional liability (E&O) and workers' compensation. Kansas itself requires workers' compensat... - [When Kansas requires workers’ compensation](https://covermatch.insure/states/ks/workers-comp-thresholds): In Kansas, workers' compensation is required once gross annual payroll exceeds $20,000. All wages paid to employees count toward the payroll test, including par... - [Kentucky: what the state requires of a small business](https://covermatch.insure/states/ky): In Kentucky, any employer with one or more employees must carry workers' compensation with an authorized carrier or as an approved self-insurer, the only broad... - [Auto repair & detailing insurance in Kentucky](https://covermatch.insure/states/ky/auto-services): Auto repair & detailing in Kentucky usually carry garage liability, commercial property and workers' compensation. Kentucky itself requires workers' compensatio... - [Daycare & childcare insurance in Kentucky](https://covermatch.insure/states/ky/childcare): Daycare & childcare in Kentucky usually carry general liability, professional liability (E&O) and commercial property. Kentucky itself requires workers' compens... - [Cleaning & janitorial insurance in Kentucky](https://covermatch.insure/states/ky/cleaning): Cleaning & janitorial in Kentucky usually carry general liability, commercial crime and workers' compensation. Kentucky itself requires workers' compensation fr... - [Contractors & trades insurance in Kentucky](https://covermatch.insure/states/ky/contractors): Contractors & trades in Kentucky usually carry general liability, workers' compensation and commercial auto. Kentucky itself requires workers' compensation from... - [Delivery & trucking insurance in Kentucky](https://covermatch.insure/states/ky/delivery-trucking): Delivery & trucking in Kentucky usually carry commercial auto, inland marine / equipment and general liability. Kentucky itself requires workers' compensation f... - [Electricians insurance in Kentucky](https://covermatch.insure/states/ky/electricians): Electricians in Kentucky usually carry general liability, workers' compensation and commercial auto. Kentucky itself requires workers' compensation from the fir... - [Gyms & fitness studios insurance in Kentucky](https://covermatch.insure/states/ky/fitness): Gyms & fitness studios in Kentucky usually carry general liability, professional liability (E&O) and commercial property. Kentucky itself requires workers' comp... - [IT & software services insurance in Kentucky](https://covermatch.insure/states/ky/it-services): IT & software services in Kentucky usually carry professional liability (E&O), cyber liability and general liability. Kentucky itself requires workers' compensa... - [Landscaping & lawn care insurance in Kentucky](https://covermatch.insure/states/ky/landscaping): Landscaping & lawn care in Kentucky usually carry general liability, workers' compensation and commercial auto. Kentucky itself requires workers' compensation f... - [Plumbing & HVAC insurance in Kentucky](https://covermatch.insure/states/ky/plumbing-hvac): Plumbing & HVAC in Kentucky usually carry general liability, workers' compensation and commercial auto. Kentucky itself requires workers' compensation from the... - [Professional services insurance in Kentucky](https://covermatch.insure/states/ky/professional-services): Professional services in Kentucky usually carry professional liability (E&O), general liability and workers' compensation. Kentucky itself requires workers' com... - [Restaurants & cafés insurance in Kentucky](https://covermatch.insure/states/ky/restaurants): Restaurants & cafés in Kentucky usually carry business owner's policy and workers' compensation. Kentucky itself requires workers' compensation from the first e... - [Retail shops insurance in Kentucky](https://covermatch.insure/states/ky/retail): Retail shops in Kentucky usually carry business owner's policy and workers' compensation. Kentucky itself requires workers' compensation from the first employee... - [Salons & spas insurance in Kentucky](https://covermatch.insure/states/ky/salons-spas): Salons & spas in Kentucky usually carry business owner's policy, professional liability (E&O) and workers' compensation. Kentucky itself requires workers' compe... - [When Kentucky requires workers’ compensation](https://covermatch.insure/states/ky/workers-comp-thresholds): In Kentucky, workers' compensation is required from the first employee. Part-time and seasonal employees count, and out-of-state employers must cover work perfo... - [Massachusetts: what the state requires of a small business](https://covermatch.insure/states/ma): In Massachusetts, every employer must provide workers' compensation for its employees, part-time included, and no city or town may issue a license or permit wit... - [Auto repair & detailing insurance in Massachusetts](https://covermatch.insure/states/ma/auto-services): Auto repair & detailing in Massachusetts usually carry garage liability, commercial property and workers' compensation. Massachusetts itself requires workers' c... - [Daycare & childcare insurance in Massachusetts](https://covermatch.insure/states/ma/childcare): Daycare & childcare in Massachusetts usually carry general liability, professional liability (E&O) and commercial property. Massachusetts itself requires worker... - [Cleaning & janitorial insurance in Massachusetts](https://covermatch.insure/states/ma/cleaning): Cleaning & janitorial in Massachusetts usually carry general liability, commercial crime and workers' compensation. Massachusetts itself requires workers' compe... - [Contractors & trades insurance in Massachusetts](https://covermatch.insure/states/ma/contractors): Contractors & trades in Massachusetts usually carry general liability, workers' compensation and commercial auto. Massachusetts itself requires workers' compens... - [Delivery & trucking insurance in Massachusetts](https://covermatch.insure/states/ma/delivery-trucking): Delivery & trucking in Massachusetts usually carry commercial auto, inland marine / equipment and general liability. Massachusetts itself requires workers' comp... - [Electricians insurance in Massachusetts](https://covermatch.insure/states/ma/electricians): Electricians in Massachusetts usually carry general liability, workers' compensation and commercial auto. Massachusetts itself requires workers' compensation fr... - [Gyms & fitness studios insurance in Massachusetts](https://covermatch.insure/states/ma/fitness): Gyms & fitness studios in Massachusetts usually carry general liability, professional liability (E&O) and commercial property. Massachusetts itself requires wor... - [IT & software services insurance in Massachusetts](https://covermatch.insure/states/ma/it-services): IT & software services in Massachusetts usually carry professional liability (E&O), cyber liability and general liability. Massachusetts itself requires workers... - [Landscaping & lawn care insurance in Massachusetts](https://covermatch.insure/states/ma/landscaping): Landscaping & lawn care in Massachusetts usually carry general liability, workers' compensation and commercial auto. Massachusetts itself requires workers' comp... - [Plumbing & HVAC insurance in Massachusetts](https://covermatch.insure/states/ma/plumbing-hvac): Plumbing & HVAC in Massachusetts usually carry general liability, workers' compensation and commercial auto. Massachusetts itself requires workers' compensation... - [Professional services insurance in Massachusetts](https://covermatch.insure/states/ma/professional-services): Professional services in Massachusetts usually carry professional liability (E&O), general liability and workers' compensation. Massachusetts itself requires wo... - [Restaurants & cafés insurance in Massachusetts](https://covermatch.insure/states/ma/restaurants): Restaurants & cafés in Massachusetts usually carry business owner's policy and workers' compensation. Massachusetts itself requires workers' compensation from t... - [Retail shops insurance in Massachusetts](https://covermatch.insure/states/ma/retail): Retail shops in Massachusetts usually carry business owner's policy and workers' compensation. Massachusetts itself requires workers' compensation from the firs... - [Salons & spas insurance in Massachusetts](https://covermatch.insure/states/ma/salons-spas): Salons & spas in Massachusetts usually carry business owner's policy, professional liability (E&O) and workers' compensation. Massachusetts itself requires work... - [When Massachusetts requires workers’ compensation](https://covermatch.insure/states/ma/workers-comp-thresholds): In Massachusetts, workers' compensation is required from the first employee. Part-time, seasonal and family employees count. Sole proprietors and partners are n... - [Maryland: what the state requires of a small business](https://covermatch.insure/states/md): In Maryland, every employer with at least one covered employee must secure workers' compensation through an authorized insurer, a self-insurance group or approv... - [Auto repair & detailing insurance in Maryland](https://covermatch.insure/states/md/auto-services): Auto repair & detailing in Maryland usually carry garage liability, commercial property and workers' compensation. Maryland itself requires workers' compensatio... - [Daycare & childcare insurance in Maryland](https://covermatch.insure/states/md/childcare): Daycare & childcare in Maryland usually carry general liability, professional liability (E&O) and commercial property. Maryland itself requires workers' compens... - [Cleaning & janitorial insurance in Maryland](https://covermatch.insure/states/md/cleaning): Cleaning & janitorial in Maryland usually carry general liability, commercial crime and workers' compensation. Maryland itself requires workers' compensation fr... - [Contractors & trades insurance in Maryland](https://covermatch.insure/states/md/contractors): Contractors & trades in Maryland usually carry general liability, workers' compensation and commercial auto. Maryland itself requires workers' compensation from... - [Delivery & trucking insurance in Maryland](https://covermatch.insure/states/md/delivery-trucking): Delivery & trucking in Maryland usually carry commercial auto, inland marine / equipment and general liability. Maryland itself requires workers' compensation f... - [Electricians insurance in Maryland](https://covermatch.insure/states/md/electricians): Electricians in Maryland usually carry general liability, workers' compensation and commercial auto. Maryland itself requires workers' compensation from the fir... - [Gyms & fitness studios insurance in Maryland](https://covermatch.insure/states/md/fitness): Gyms & fitness studios in Maryland usually carry general liability, professional liability (E&O) and commercial property. Maryland itself requires workers' comp... - [IT & software services insurance in Maryland](https://covermatch.insure/states/md/it-services): IT & software services in Maryland usually carry professional liability (E&O), cyber liability and general liability. Maryland itself requires workers' compensa... - [Landscaping & lawn care insurance in Maryland](https://covermatch.insure/states/md/landscaping): Landscaping & lawn care in Maryland usually carry general liability, workers' compensation and commercial auto. Maryland itself requires workers' compensation f... - [Plumbing & HVAC insurance in Maryland](https://covermatch.insure/states/md/plumbing-hvac): Plumbing & HVAC in Maryland usually carry general liability, workers' compensation and commercial auto. Maryland itself requires workers' compensation from the... - [Professional services insurance in Maryland](https://covermatch.insure/states/md/professional-services): Professional services in Maryland usually carry professional liability (E&O), general liability and workers' compensation. Maryland itself requires workers' com... - [Restaurants & cafés insurance in Maryland](https://covermatch.insure/states/md/restaurants): Restaurants & cafés in Maryland usually carry business owner's policy and workers' compensation. Maryland itself requires workers' compensation from the first e... - [Retail shops insurance in Maryland](https://covermatch.insure/states/md/retail): Retail shops in Maryland usually carry business owner's policy and workers' compensation. Maryland itself requires workers' compensation from the first employee... - [Salons & spas insurance in Maryland](https://covermatch.insure/states/md/salons-spas): Salons & spas in Maryland usually carry business owner's policy, professional liability (E&O) and workers' compensation. Maryland itself requires workers' compe... - [When Maryland requires workers’ compensation](https://covermatch.insure/states/md/workers-comp-thresholds): In Maryland, workers' compensation is required from the first employee. Part-time employees count. Sole proprietors and partners are covered only by election. S... - [Michigan: what the state requires of a small business](https://covermatch.insure/states/mi): In Michigan, a private employer must carry workers' compensation if it regularly employs three or more people at one time, or if any one employee has worked 35... - [Auto repair & detailing insurance in Michigan](https://covermatch.insure/states/mi/auto-services): Auto repair & detailing in Michigan usually carry garage liability, commercial property and workers' compensation. Michigan itself requires workers' compensatio... - [Daycare & childcare insurance in Michigan](https://covermatch.insure/states/mi/childcare): Daycare & childcare in Michigan usually carry general liability, professional liability (E&O) and commercial property. Michigan itself requires workers' compens... - [Cleaning & janitorial insurance in Michigan](https://covermatch.insure/states/mi/cleaning): Cleaning & janitorial in Michigan usually carry general liability, commercial crime and workers' compensation. Michigan itself requires workers' compensation at... - [Contractors & trades insurance in Michigan](https://covermatch.insure/states/mi/contractors): Contractors & trades in Michigan usually carry general liability, workers' compensation and commercial auto. Michigan itself requires workers' compensation at t... - [Delivery & trucking insurance in Michigan](https://covermatch.insure/states/mi/delivery-trucking): Delivery & trucking in Michigan usually carry commercial auto, inland marine / equipment and general liability. Michigan itself requires workers' compensation a... - [Electricians insurance in Michigan](https://covermatch.insure/states/mi/electricians): Electricians in Michigan usually carry general liability, workers' compensation and commercial auto. Michigan itself requires workers' compensation at three or... - [Gyms & fitness studios insurance in Michigan](https://covermatch.insure/states/mi/fitness): Gyms & fitness studios in Michigan usually carry general liability, professional liability (E&O) and commercial property. Michigan itself requires workers' comp... - [IT & software services insurance in Michigan](https://covermatch.insure/states/mi/it-services): IT & software services in Michigan usually carry professional liability (E&O), cyber liability and general liability. Michigan itself requires workers' compensa... - [Landscaping & lawn care insurance in Michigan](https://covermatch.insure/states/mi/landscaping): Landscaping & lawn care in Michigan usually carry general liability, workers' compensation and commercial auto. Michigan itself requires workers' compensation a... - [Plumbing & HVAC insurance in Michigan](https://covermatch.insure/states/mi/plumbing-hvac): Plumbing & HVAC in Michigan usually carry general liability, workers' compensation and commercial auto. Michigan itself requires workers' compensation at three... - [Professional services insurance in Michigan](https://covermatch.insure/states/mi/professional-services): Professional services in Michigan usually carry professional liability (E&O), general liability and workers' compensation. Michigan itself requires workers' com... - [Restaurants & cafés insurance in Michigan](https://covermatch.insure/states/mi/restaurants): Restaurants & cafés in Michigan usually carry business owner's policy and workers' compensation. Michigan itself requires workers' compensation at three or more... - [Retail shops insurance in Michigan](https://covermatch.insure/states/mi/retail): Retail shops in Michigan usually carry business owner's policy and workers' compensation. Michigan itself requires workers' compensation at three or more employ... - [Salons & spas insurance in Michigan](https://covermatch.insure/states/mi/salons-spas): Salons & spas in Michigan usually carry business owner's policy, professional liability (E&O) and workers' compensation. Michigan itself requires workers' compe... - [When Michigan requires workers’ compensation](https://covermatch.insure/states/mi/workers-comp-thresholds): In Michigan, workers' compensation is required at three or more employees at one time, or one employee working 35 or more hours a week for 13 weeks. Part-time e... - [North Carolina: what the state requires of a small business](https://covermatch.insure/states/nc): In North Carolina, a business that regularly employs three or more people, including part-time workers and corporate officers, must carry workers' compensation,... - [Auto repair & detailing insurance in North Carolina](https://covermatch.insure/states/nc/auto-services): Auto repair & detailing in North Carolina usually carry garage liability, commercial property and workers' compensation. North Carolina itself requires workers'... - [Daycare & childcare insurance in North Carolina](https://covermatch.insure/states/nc/childcare): Daycare & childcare in North Carolina usually carry general liability, professional liability (E&O) and commercial property. North Carolina itself requires work... - [Cleaning & janitorial insurance in North Carolina](https://covermatch.insure/states/nc/cleaning): Cleaning & janitorial in North Carolina usually carry general liability, commercial crime and workers' compensation. North Carolina itself requires workers' com... - [Contractors & trades insurance in North Carolina](https://covermatch.insure/states/nc/contractors): Contractors & trades in North Carolina usually carry general liability, workers' compensation and commercial auto. North Carolina itself requires workers' compe... - [Delivery & trucking insurance in North Carolina](https://covermatch.insure/states/nc/delivery-trucking): Delivery & trucking in North Carolina usually carry commercial auto, inland marine / equipment and general liability. North Carolina itself requires workers' co... - [Electricians insurance in North Carolina](https://covermatch.insure/states/nc/electricians): Electricians in North Carolina usually carry general liability, workers' compensation and commercial auto. North Carolina itself requires workers' compensation... - [Gyms & fitness studios insurance in North Carolina](https://covermatch.insure/states/nc/fitness): Gyms & fitness studios in North Carolina usually carry general liability, professional liability (E&O) and commercial property. North Carolina itself requires w... - [IT & software services insurance in North Carolina](https://covermatch.insure/states/nc/it-services): IT & software services in North Carolina usually carry professional liability (E&O), cyber liability and general liability. North Carolina itself requires worke... - [Landscaping & lawn care insurance in North Carolina](https://covermatch.insure/states/nc/landscaping): Landscaping & lawn care in North Carolina usually carry general liability, workers' compensation and commercial auto. North Carolina itself requires workers' co... - [Plumbing & HVAC insurance in North Carolina](https://covermatch.insure/states/nc/plumbing-hvac): Plumbing & HVAC in North Carolina usually carry general liability, workers' compensation and commercial auto. North Carolina itself requires workers' compensati... - [Professional services insurance in North Carolina](https://covermatch.insure/states/nc/professional-services): Professional services in North Carolina usually carry professional liability (E&O), general liability and workers' compensation. North Carolina itself requires... - [Restaurants & cafés insurance in North Carolina](https://covermatch.insure/states/nc/restaurants): Restaurants & cafés in North Carolina usually carry business owner's policy and workers' compensation. North Carolina itself requires workers' compensation once... - [Retail shops insurance in North Carolina](https://covermatch.insure/states/nc/retail): Retail shops in North Carolina usually carry business owner's policy and workers' compensation. North Carolina itself requires workers' compensation once you ha... - [Salons & spas insurance in North Carolina](https://covermatch.insure/states/nc/salons-spas): Salons & spas in North Carolina usually carry business owner's policy, professional liability (E&O) and workers' compensation. North Carolina itself requires wo... - [When North Carolina requires workers’ compensation](https://covermatch.insure/states/nc/workers-comp-thresholds): In North Carolina, workers' compensation is required once you have three or more employees. Agricultural employers need coverage at ten or more employees, and s... - [New Jersey: what the state requires of a small business](https://covermatch.insure/states/nj): In New Jersey, every employer not covered by a federal program must carry workers' compensation or be approved to self-insure, from the first employee; vehicles... - [Auto repair & detailing insurance in New Jersey](https://covermatch.insure/states/nj/auto-services): Auto repair & detailing in New Jersey usually carry garage liability, commercial property and workers' compensation. New Jersey itself requires workers' compens... - [Daycare & childcare insurance in New Jersey](https://covermatch.insure/states/nj/childcare): Daycare & childcare in New Jersey usually carry general liability, professional liability (E&O) and commercial property. New Jersey itself requires workers' com... - [Cleaning & janitorial insurance in New Jersey](https://covermatch.insure/states/nj/cleaning): Cleaning & janitorial in New Jersey usually carry general liability, commercial crime and workers' compensation. New Jersey itself requires workers' compensatio... - [Contractors & trades insurance in New Jersey](https://covermatch.insure/states/nj/contractors): Contractors & trades in New Jersey usually carry general liability, workers' compensation and commercial auto. New Jersey itself requires workers' compensation... - [Delivery & trucking insurance in New Jersey](https://covermatch.insure/states/nj/delivery-trucking): Delivery & trucking in New Jersey usually carry commercial auto, inland marine / equipment and general liability. New Jersey itself requires workers' compensati... - [Electricians insurance in New Jersey](https://covermatch.insure/states/nj/electricians): Electricians in New Jersey usually carry general liability, workers' compensation and commercial auto. New Jersey itself requires workers' compensation from the... - [Gyms & fitness studios insurance in New Jersey](https://covermatch.insure/states/nj/fitness): Gyms & fitness studios in New Jersey usually carry general liability, professional liability (E&O) and commercial property. New Jersey itself requires workers'... - [IT & software services insurance in New Jersey](https://covermatch.insure/states/nj/it-services): IT & software services in New Jersey usually carry professional liability (E&O), cyber liability and general liability. New Jersey itself requires workers' comp... - [Landscaping & lawn care insurance in New Jersey](https://covermatch.insure/states/nj/landscaping): Landscaping & lawn care in New Jersey usually carry general liability, workers' compensation and commercial auto. New Jersey itself requires workers' compensati... - [Plumbing & HVAC insurance in New Jersey](https://covermatch.insure/states/nj/plumbing-hvac): Plumbing & HVAC in New Jersey usually carry general liability, workers' compensation and commercial auto. New Jersey itself requires workers' compensation from... - [Professional services insurance in New Jersey](https://covermatch.insure/states/nj/professional-services): Professional services in New Jersey usually carry professional liability (E&O), general liability and workers' compensation. New Jersey itself requires workers'... - [Restaurants & cafés insurance in New Jersey](https://covermatch.insure/states/nj/restaurants): Restaurants & cafés in New Jersey usually carry business owner's policy and workers' compensation. New Jersey itself requires workers' compensation from the fir... - [Retail shops insurance in New Jersey](https://covermatch.insure/states/nj/retail): Retail shops in New Jersey usually carry business owner's policy and workers' compensation. New Jersey itself requires workers' compensation from the first empl... - [Salons & spas insurance in New Jersey](https://covermatch.insure/states/nj/salons-spas): Salons & spas in New Jersey usually carry business owner's policy, professional liability (E&O) and workers' compensation. New Jersey itself requires workers' c... - [When New Jersey requires workers’ compensation](https://covermatch.insure/states/nj/workers-comp-thresholds): In New Jersey, workers' compensation is required from the first employee. Part-time and casual employees count, and corporate officers are employees. Sole propr... - [Nevada: what the state requires of a small business](https://covermatch.insure/states/nv): In Nevada, an employer with one or more employees under a contract of hire must provide industrial insurance through a private carrier, approved self-insurance... - [Auto repair & detailing insurance in Nevada](https://covermatch.insure/states/nv/auto-services): Auto repair & detailing in Nevada usually carry garage liability, commercial property and workers' compensation. Nevada itself requires workers' compensation fr... - [Daycare & childcare insurance in Nevada](https://covermatch.insure/states/nv/childcare): Daycare & childcare in Nevada usually carry general liability, professional liability (E&O) and commercial property. Nevada itself requires workers' compensatio... - [Cleaning & janitorial insurance in Nevada](https://covermatch.insure/states/nv/cleaning): Cleaning & janitorial in Nevada usually carry general liability, commercial crime and workers' compensation. Nevada itself requires workers' compensation from t... - [Contractors & trades insurance in Nevada](https://covermatch.insure/states/nv/contractors): Contractors & trades in Nevada usually carry general liability, workers' compensation and commercial auto. Nevada itself requires workers' compensation from the... - [Delivery & trucking insurance in Nevada](https://covermatch.insure/states/nv/delivery-trucking): Delivery & trucking in Nevada usually carry commercial auto, inland marine / equipment and general liability. Nevada itself requires workers' compensation from... - [Electricians insurance in Nevada](https://covermatch.insure/states/nv/electricians): Electricians in Nevada usually carry general liability, workers' compensation and commercial auto. Nevada itself requires workers' compensation from the first e... - [Gyms & fitness studios insurance in Nevada](https://covermatch.insure/states/nv/fitness): Gyms & fitness studios in Nevada usually carry general liability, professional liability (E&O) and commercial property. Nevada itself requires workers' compensa... - [IT & software services insurance in Nevada](https://covermatch.insure/states/nv/it-services): IT & software services in Nevada usually carry professional liability (E&O), cyber liability and general liability. Nevada itself requires workers' compensation... - [Landscaping & lawn care insurance in Nevada](https://covermatch.insure/states/nv/landscaping): Landscaping & lawn care in Nevada usually carry general liability, workers' compensation and commercial auto. Nevada itself requires workers' compensation from... - [Plumbing & HVAC insurance in Nevada](https://covermatch.insure/states/nv/plumbing-hvac): Plumbing & HVAC in Nevada usually carry general liability, workers' compensation and commercial auto. Nevada itself requires workers' compensation from the firs... - [Professional services insurance in Nevada](https://covermatch.insure/states/nv/professional-services): Professional services in Nevada usually carry professional liability (E&O), general liability and workers' compensation. Nevada itself requires workers' compens... - [Restaurants & cafés insurance in Nevada](https://covermatch.insure/states/nv/restaurants): Restaurants & cafés in Nevada usually carry business owner's policy and workers' compensation. Nevada itself requires workers' compensation from the first emplo... - [Retail shops insurance in Nevada](https://covermatch.insure/states/nv/retail): Retail shops in Nevada usually carry business owner's policy and workers' compensation. Nevada itself requires workers' compensation from the first employee. Th... - [Salons & spas insurance in Nevada](https://covermatch.insure/states/nv/salons-spas): Salons & spas in Nevada usually carry business owner's policy, professional liability (E&O) and workers' compensation. Nevada itself requires workers' compensat... - [When Nevada requires workers’ compensation](https://covermatch.insure/states/nv/workers-comp-thresholds): In Nevada, workers' compensation is required from the first employee. Out-of-state employers must cover workers performing more than a few days of work in Nevad... - [New York: what the state requires of a small business](https://covermatch.insure/states/ny): In New York, virtually every employer with employees must carry workers' compensation, statutory disability benefits (DBL) and Paid Family Leave coverage — thre... - [Auto repair & detailing insurance in New York](https://covermatch.insure/states/ny/auto-services): Auto repair & detailing in New York usually carry garage liability, commercial property and workers' compensation. New York itself requires workers' compensatio... - [Daycare & childcare insurance in New York](https://covermatch.insure/states/ny/childcare): Daycare & childcare in New York usually carry general liability, professional liability (E&O) and commercial property. New York itself requires workers' compens... - [Cleaning & janitorial insurance in New York](https://covermatch.insure/states/ny/cleaning): Cleaning & janitorial in New York usually carry general liability, commercial crime and workers' compensation. New York itself requires workers' compensation fr... - [Contractors & trades insurance in New York](https://covermatch.insure/states/ny/contractors): Contractors & trades in New York usually carry general liability, workers' compensation and commercial auto. New York itself requires workers' compensation from... - [Delivery & trucking insurance in New York](https://covermatch.insure/states/ny/delivery-trucking): Delivery & trucking in New York usually carry commercial auto, inland marine / equipment and general liability. New York itself requires workers' compensation f... - [Electricians insurance in New York](https://covermatch.insure/states/ny/electricians): Electricians in New York usually carry general liability, workers' compensation and commercial auto. New York itself requires workers' compensation from the fir... - [Gyms & fitness studios insurance in New York](https://covermatch.insure/states/ny/fitness): Gyms & fitness studios in New York usually carry general liability, professional liability (E&O) and commercial property. New York itself requires workers' comp... - [IT & software services insurance in New York](https://covermatch.insure/states/ny/it-services): IT & software services in New York usually carry professional liability (E&O), cyber liability and general liability. New York itself requires workers' compensa... - [Landscaping & lawn care insurance in New York](https://covermatch.insure/states/ny/landscaping): Landscaping & lawn care in New York usually carry general liability, workers' compensation and commercial auto. New York itself requires workers' compensation f... - [Plumbing & HVAC insurance in New York](https://covermatch.insure/states/ny/plumbing-hvac): Plumbing & HVAC in New York usually carry general liability, workers' compensation and commercial auto. New York itself requires workers' compensation from the... - [Professional services insurance in New York](https://covermatch.insure/states/ny/professional-services): Professional services in New York usually carry professional liability (E&O), general liability and workers' compensation. New York itself requires workers' com... - [Restaurants & cafés insurance in New York](https://covermatch.insure/states/ny/restaurants): Restaurants & cafés in New York usually carry business owner's policy and workers' compensation. New York itself requires workers' compensation from the first e... - [Retail shops insurance in New York](https://covermatch.insure/states/ny/retail): Retail shops in New York usually carry business owner's policy and workers' compensation. New York itself requires workers' compensation from the first employee... - [Salons & spas insurance in New York](https://covermatch.insure/states/ny/salons-spas): Salons & spas in New York usually carry business owner's policy, professional liability (E&O) and workers' compensation. New York itself requires workers' compe... - [When New York requires workers’ compensation](https://covermatch.insure/states/ny/workers-comp-thresholds): In New York, workers' compensation is required from the first employee. Family members working for the business count, and out-of-state employers must cover emp... - [Ohio: what the state requires of a small business](https://covermatch.insure/states/oh): In Ohio, every employer with one or more employees must obtain workers' compensation coverage from the Ohio Bureau of Workers' Compensation, the state fund, fro... - [Auto repair & detailing insurance in Ohio](https://covermatch.insure/states/oh/auto-services): Auto repair & detailing in Ohio usually carry garage liability, commercial property and workers' compensation. Ohio itself requires workers' compensation from t... - [Daycare & childcare insurance in Ohio](https://covermatch.insure/states/oh/childcare): Daycare & childcare in Ohio usually carry general liability, professional liability (E&O) and commercial property. Ohio itself requires workers' compensation fr... - [Cleaning & janitorial insurance in Ohio](https://covermatch.insure/states/oh/cleaning): Cleaning & janitorial in Ohio usually carry general liability, commercial crime and workers' compensation. Ohio itself requires workers' compensation from the f... - [Contractors & trades insurance in Ohio](https://covermatch.insure/states/oh/contractors): Contractors & trades in Ohio usually carry general liability, workers' compensation and commercial auto. Ohio itself requires workers' compensation from the fir... - [Delivery & trucking insurance in Ohio](https://covermatch.insure/states/oh/delivery-trucking): Delivery & trucking in Ohio usually carry commercial auto, inland marine / equipment and general liability. Ohio itself requires workers' compensation from the... - [Electricians insurance in Ohio](https://covermatch.insure/states/oh/electricians): Electricians in Ohio usually carry general liability, workers' compensation and commercial auto. Ohio itself requires workers' compensation from the first emplo... - [Gyms & fitness studios insurance in Ohio](https://covermatch.insure/states/oh/fitness): Gyms & fitness studios in Ohio usually carry general liability, professional liability (E&O) and commercial property. Ohio itself requires workers' compensation... - [IT & software services insurance in Ohio](https://covermatch.insure/states/oh/it-services): IT & software services in Ohio usually carry professional liability (E&O), cyber liability and general liability. Ohio itself requires workers' compensation fro... - [Landscaping & lawn care insurance in Ohio](https://covermatch.insure/states/oh/landscaping): Landscaping & lawn care in Ohio usually carry general liability, workers' compensation and commercial auto. Ohio itself requires workers' compensation from the... - [Plumbing & HVAC insurance in Ohio](https://covermatch.insure/states/oh/plumbing-hvac): Plumbing & HVAC in Ohio usually carry general liability, workers' compensation and commercial auto. Ohio itself requires workers' compensation from the first em... - [Professional services insurance in Ohio](https://covermatch.insure/states/oh/professional-services): Professional services in Ohio usually carry professional liability (E&O), general liability and workers' compensation. Ohio itself requires workers' compensatio... - [Restaurants & cafés insurance in Ohio](https://covermatch.insure/states/oh/restaurants): Restaurants & cafés in Ohio usually carry business owner's policy and workers' compensation. Ohio itself requires workers' compensation from the first employee,... - [Retail shops insurance in Ohio](https://covermatch.insure/states/oh/retail): Retail shops in Ohio usually carry business owner's policy and workers' compensation. Ohio itself requires workers' compensation from the first employee, throug... - [Salons & spas insurance in Ohio](https://covermatch.insure/states/oh/salons-spas): Salons & spas in Ohio usually carry business owner's policy, professional liability (E&O) and workers' compensation. Ohio itself requires workers' compensation... - [When Ohio requires workers’ compensation](https://covermatch.insure/states/oh/workers-comp-thresholds): In Ohio, workers' compensation is required from the first employee, through the state fund. Part-time employees count. Sole proprietors, partners and some offic... - [Pennsylvania: what the state requires of a small business](https://covermatch.insure/states/pa): In Pennsylvania, every employer with at least one employee must carry workers' compensation, with narrow exemptions; vehicles registered in the state must carry... - [Auto repair & detailing insurance in Pennsylvania](https://covermatch.insure/states/pa/auto-services): Auto repair & detailing in Pennsylvania usually carry garage liability, commercial property and workers' compensation. Pennsylvania itself requires workers' com... - [Daycare & childcare insurance in Pennsylvania](https://covermatch.insure/states/pa/childcare): Daycare & childcare in Pennsylvania usually carry general liability, professional liability (E&O) and commercial property. Pennsylvania itself requires workers'... - [Cleaning & janitorial insurance in Pennsylvania](https://covermatch.insure/states/pa/cleaning): Cleaning & janitorial in Pennsylvania usually carry general liability, commercial crime and workers' compensation. Pennsylvania itself requires workers' compens... - [Contractors & trades insurance in Pennsylvania](https://covermatch.insure/states/pa/contractors): Contractors & trades in Pennsylvania usually carry general liability, workers' compensation and commercial auto. Pennsylvania itself requires workers' compensat... - [Delivery & trucking insurance in Pennsylvania](https://covermatch.insure/states/pa/delivery-trucking): Delivery & trucking in Pennsylvania usually carry commercial auto, inland marine / equipment and general liability. Pennsylvania itself requires workers' compen... - [Electricians insurance in Pennsylvania](https://covermatch.insure/states/pa/electricians): Electricians in Pennsylvania usually carry general liability, workers' compensation and commercial auto. Pennsylvania itself requires workers' compensation from... - [Gyms & fitness studios insurance in Pennsylvania](https://covermatch.insure/states/pa/fitness): Gyms & fitness studios in Pennsylvania usually carry general liability, professional liability (E&O) and commercial property. Pennsylvania itself requires worke... - [IT & software services insurance in Pennsylvania](https://covermatch.insure/states/pa/it-services): IT & software services in Pennsylvania usually carry professional liability (E&O), cyber liability and general liability. Pennsylvania itself requires workers'... - [Landscaping & lawn care insurance in Pennsylvania](https://covermatch.insure/states/pa/landscaping): Landscaping & lawn care in Pennsylvania usually carry general liability, workers' compensation and commercial auto. Pennsylvania itself requires workers' compen... - [Plumbing & HVAC insurance in Pennsylvania](https://covermatch.insure/states/pa/plumbing-hvac): Plumbing & HVAC in Pennsylvania usually carry general liability, workers' compensation and commercial auto. Pennsylvania itself requires workers' compensation f... - [Professional services insurance in Pennsylvania](https://covermatch.insure/states/pa/professional-services): Professional services in Pennsylvania usually carry professional liability (E&O), general liability and workers' compensation. Pennsylvania itself requires work... - [Restaurants & cafés insurance in Pennsylvania](https://covermatch.insure/states/pa/restaurants): Restaurants & cafés in Pennsylvania usually carry business owner's policy and workers' compensation. Pennsylvania itself requires workers' compensation from the... - [Retail shops insurance in Pennsylvania](https://covermatch.insure/states/pa/retail): Retail shops in Pennsylvania usually carry business owner's policy and workers' compensation. Pennsylvania itself requires workers' compensation from the first... - [Salons & spas insurance in Pennsylvania](https://covermatch.insure/states/pa/salons-spas): Salons & spas in Pennsylvania usually carry business owner's policy, professional liability (E&O) and workers' compensation. Pennsylvania itself requires worker... - [When Pennsylvania requires workers’ compensation](https://covermatch.insure/states/pa/workers-comp-thresholds): In Pennsylvania, workers' compensation is required from the first employee. The exemptions are narrow: certain agricultural and domestic workers, employees with... - [South Carolina: what the state requires of a small business](https://covermatch.insure/states/sc): In South Carolina, an employer that regularly has four or more workers, full-time or part-time, must carry workers' compensation, unless its total payroll in th... - [Auto repair & detailing insurance in South Carolina](https://covermatch.insure/states/sc/auto-services): Auto repair & detailing in South Carolina usually carry garage liability, commercial property and workers' compensation. South Carolina itself requires workers'... - [Daycare & childcare insurance in South Carolina](https://covermatch.insure/states/sc/childcare): Daycare & childcare in South Carolina usually carry general liability, professional liability (E&O) and commercial property. South Carolina itself requires work... - [Cleaning & janitorial insurance in South Carolina](https://covermatch.insure/states/sc/cleaning): Cleaning & janitorial in South Carolina usually carry general liability, commercial crime and workers' compensation. South Carolina itself requires workers' com... - [Contractors & trades insurance in South Carolina](https://covermatch.insure/states/sc/contractors): Contractors & trades in South Carolina usually carry general liability, workers' compensation and commercial auto. South Carolina itself requires workers' compe... - [Delivery & trucking insurance in South Carolina](https://covermatch.insure/states/sc/delivery-trucking): Delivery & trucking in South Carolina usually carry commercial auto, inland marine / equipment and general liability. South Carolina itself requires workers' co... - [Electricians insurance in South Carolina](https://covermatch.insure/states/sc/electricians): Electricians in South Carolina usually carry general liability, workers' compensation and commercial auto. South Carolina itself requires workers' compensation... - [Gyms & fitness studios insurance in South Carolina](https://covermatch.insure/states/sc/fitness): Gyms & fitness studios in South Carolina usually carry general liability, professional liability (E&O) and commercial property. South Carolina itself requires w... - [IT & software services insurance in South Carolina](https://covermatch.insure/states/sc/it-services): IT & software services in South Carolina usually carry professional liability (E&O), cyber liability and general liability. South Carolina itself requires worke... - [Landscaping & lawn care insurance in South Carolina](https://covermatch.insure/states/sc/landscaping): Landscaping & lawn care in South Carolina usually carry general liability, workers' compensation and commercial auto. South Carolina itself requires workers' co... - [Plumbing & HVAC insurance in South Carolina](https://covermatch.insure/states/sc/plumbing-hvac): Plumbing & HVAC in South Carolina usually carry general liability, workers' compensation and commercial auto. South Carolina itself requires workers' compensati... - [Professional services insurance in South Carolina](https://covermatch.insure/states/sc/professional-services): Professional services in South Carolina usually carry professional liability (E&O), general liability and workers' compensation. South Carolina itself requires... - [Restaurants & cafés insurance in South Carolina](https://covermatch.insure/states/sc/restaurants): Restaurants & cafés in South Carolina usually carry business owner's policy and workers' compensation. South Carolina itself requires workers' compensation once... - [Retail shops insurance in South Carolina](https://covermatch.insure/states/sc/retail): Retail shops in South Carolina usually carry business owner's policy and workers' compensation. South Carolina itself requires workers' compensation once you ha... - [Salons & spas insurance in South Carolina](https://covermatch.insure/states/sc/salons-spas): Salons & spas in South Carolina usually carry business owner's policy, professional liability (E&O) and workers' compensation. South Carolina itself requires wo... - [When South Carolina requires workers’ compensation](https://covermatch.insure/states/sc/workers-comp-thresholds): In South Carolina, workers' compensation is required once you have four or more employees. Part-time and family employees count toward the four, and corporate o... - [Texas: what the state requires of a small business](https://covermatch.insure/states/tx): Texas is the only state where most private employers may choose not to carry workers' compensation. Employers who opt out (non-subscribers) must notify the Divi... - [Auto repair & detailing insurance in Texas](https://covermatch.insure/states/tx/auto-services): Auto repair & detailing in Texas usually carry garage liability, commercial property and workers' compensation. Texas itself leaves workers' compensation option... - [Daycare & childcare insurance in Texas](https://covermatch.insure/states/tx/childcare): Daycare & childcare in Texas usually carry general liability, professional liability (E&O) and commercial property. Texas itself leaves workers' compensation op... - [Cleaning & janitorial insurance in Texas](https://covermatch.insure/states/tx/cleaning): Cleaning & janitorial in Texas usually carry general liability, commercial crime and workers' compensation. Texas itself leaves workers' compensation optional f... - [Contractors & trades insurance in Texas](https://covermatch.insure/states/tx/contractors): Contractors & trades in Texas usually carry general liability, workers' compensation and commercial auto. Texas itself leaves workers' compensation optional for... - [Delivery & trucking insurance in Texas](https://covermatch.insure/states/tx/delivery-trucking): Delivery & trucking in Texas usually carry commercial auto, inland marine / equipment and general liability. Texas itself leaves workers' compensation optional... - [Electricians insurance in Texas](https://covermatch.insure/states/tx/electricians): Electricians in Texas usually carry general liability, workers' compensation and commercial auto. Texas itself leaves workers' compensation optional for most pr... - [Gyms & fitness studios insurance in Texas](https://covermatch.insure/states/tx/fitness): Gyms & fitness studios in Texas usually carry general liability, professional liability (E&O) and commercial property. Texas itself leaves workers' compensation... - [IT & software services insurance in Texas](https://covermatch.insure/states/tx/it-services): IT & software services in Texas usually carry professional liability (E&O), cyber liability and general liability. Texas itself leaves workers' compensation opt... - [Landscaping & lawn care insurance in Texas](https://covermatch.insure/states/tx/landscaping): Landscaping & lawn care in Texas usually carry general liability, workers' compensation and commercial auto. Texas itself leaves workers' compensation optional... - [Plumbing & HVAC insurance in Texas](https://covermatch.insure/states/tx/plumbing-hvac): Plumbing & HVAC in Texas usually carry general liability, workers' compensation and commercial auto. Texas itself leaves workers' compensation optional for most... - [Professional services insurance in Texas](https://covermatch.insure/states/tx/professional-services): Professional services in Texas usually carry professional liability (E&O), general liability and workers' compensation. Texas itself leaves workers' compensatio... - [Restaurants & cafés insurance in Texas](https://covermatch.insure/states/tx/restaurants): Restaurants & cafés in Texas usually carry business owner's policy and workers' compensation. 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Contractors on public construction projects... - [Virginia: what the state requires of a small business](https://covermatch.insure/states/va): In Virginia, an employer that regularly employs more than two part-time or full-time employees must carry workers' compensation, counting the employees of subco... - [Auto repair & detailing insurance in Virginia](https://covermatch.insure/states/va/auto-services): Auto repair & detailing in Virginia usually carry garage liability, commercial property and workers' compensation. Virginia itself requires workers' compensatio... - [Daycare & childcare insurance in Virginia](https://covermatch.insure/states/va/childcare): Daycare & childcare in Virginia usually carry general liability, professional liability (E&O) and commercial property. 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Virginia itself requires workers' compensa... - [Landscaping & lawn care insurance in Virginia](https://covermatch.insure/states/va/landscaping): Landscaping & lawn care in Virginia usually carry general liability, workers' compensation and commercial auto. Virginia itself requires workers' compensation o... - [Plumbing & HVAC insurance in Virginia](https://covermatch.insure/states/va/plumbing-hvac): Plumbing & HVAC in Virginia usually carry general liability, workers' compensation and commercial auto. Virginia itself requires workers' compensation once you... - [Professional services insurance in Virginia](https://covermatch.insure/states/va/professional-services): Professional services in Virginia usually carry professional liability (E&O), general liability and workers' compensation. Virginia itself requires workers' com... - [Restaurants & cafés insurance in Virginia](https://covermatch.insure/states/va/restaurants): Restaurants & cafés in Virginia usually carry business owner's policy and workers' compensation. Virginia itself requires workers' compensation once you have mo... - [Retail shops insurance in Virginia](https://covermatch.insure/states/va/retail): Retail shops in Virginia usually carry business owner's policy and workers' compensation. Virginia itself requires workers' compensation once you have more than... - [Salons & spas insurance in Virginia](https://covermatch.insure/states/va/salons-spas): Salons & spas in Virginia usually carry business owner's policy, professional liability (E&O) and workers' compensation. Virginia itself requires workers' compe... - [When Virginia requires workers’ compensation](https://covermatch.insure/states/va/workers-comp-thresholds): In Virginia, workers' compensation is required once you have more than two employees (three or more). Contractors count the employees of their uninsured subcont... - [Vermont: what the state requires of a small business](https://covermatch.insure/states/vt): In Vermont, every employer with one or more employees must secure workers' compensation through an authorized insurer or Department of Labor-approved self-insur... - [Auto repair & detailing insurance in Vermont](https://covermatch.insure/states/vt/auto-services): Auto repair & detailing in Vermont usually carry garage liability, commercial property and workers' compensation. Vermont itself requires workers' compensation... - [Daycare & childcare insurance in Vermont](https://covermatch.insure/states/vt/childcare): Daycare & childcare in Vermont usually carry general liability, professional liability (E&O) and commercial property. Vermont itself requires workers' compensat... - [Cleaning & janitorial insurance in Vermont](https://covermatch.insure/states/vt/cleaning): Cleaning & janitorial in Vermont usually carry general liability, commercial crime and workers' compensation. Vermont itself requires workers' compensation from... - [Contractors & trades insurance in Vermont](https://covermatch.insure/states/vt/contractors): Contractors & trades in Vermont usually carry general liability, workers' compensation and commercial auto. Vermont itself requires workers' compensation from t... - [Delivery & trucking insurance in Vermont](https://covermatch.insure/states/vt/delivery-trucking): Delivery & trucking in Vermont usually carry commercial auto, inland marine / equipment and general liability. Vermont itself requires workers' compensation fro... - [Electricians insurance in Vermont](https://covermatch.insure/states/vt/electricians): Electricians in Vermont usually carry general liability, workers' compensation and commercial auto. Vermont itself requires workers' compensation from the first... - [Gyms & fitness studios insurance in Vermont](https://covermatch.insure/states/vt/fitness): Gyms & fitness studios in Vermont usually carry general liability, professional liability (E&O) and commercial property. Vermont itself requires workers' compen... - [IT & software services insurance in Vermont](https://covermatch.insure/states/vt/it-services): IT & software services in Vermont usually carry professional liability (E&O), cyber liability and general liability. Vermont itself requires workers' compensati... - [Landscaping & lawn care insurance in Vermont](https://covermatch.insure/states/vt/landscaping): Landscaping & lawn care in Vermont usually carry general liability, workers' compensation and commercial auto. Vermont itself requires workers' compensation fro... - [Plumbing & HVAC insurance in Vermont](https://covermatch.insure/states/vt/plumbing-hvac): Plumbing & HVAC in Vermont usually carry general liability, workers' compensation and commercial auto. Vermont itself requires workers' compensation from the fi... - [Professional services insurance in Vermont](https://covermatch.insure/states/vt/professional-services): Professional services in Vermont usually carry professional liability (E&O), general liability and workers' compensation. Vermont itself requires workers' compe... - [Restaurants & cafés insurance in Vermont](https://covermatch.insure/states/vt/restaurants): Restaurants & cafés in Vermont usually carry business owner's policy and workers' compensation. Vermont itself requires workers' compensation from the first emp... - [Retail shops insurance in Vermont](https://covermatch.insure/states/vt/retail): Retail shops in Vermont usually carry business owner's policy and workers' compensation. Vermont itself requires workers' compensation from the first employee.... - [Salons & spas insurance in Vermont](https://covermatch.insure/states/vt/salons-spas): Salons & spas in Vermont usually carry business owner's policy, professional liability (E&O) and workers' compensation. Vermont itself requires workers' compens... - [When Vermont requires workers’ compensation](https://covermatch.insure/states/vt/workers-comp-thresholds): In Vermont, workers' compensation is required from the first employee. Part-time, seasonal and family employees count, and corporate officers are employees unle... ### Tool - [Lease & contract insurance checker](https://covermatch.insure/tools/lease-checker): Upload a lease, subcontract or vendor agreement and the checker lists each insurance requirement it finds: the line of coverage, the minimum limits, whether the... - [Policy explainer](https://covermatch.insure/tools/policy-explainer): Upload the declarations page of any business policy and the explainer lays out what it says: carrier, policy number, term, each coverage with its limit and dedu... ## Tools that work without an account - Quote form: https://covermatch.insure/quote - Live certificate holder pages: https://covermatch.insure/c (private links issued by the insured) ## Full text https://covermatch.insure/llms-full.txt ## Workers' compensation billing CoverMatch can set up pay-as-you-go workers' compensation billing through most payroll companies with the carriers that offer it: premium is billed from each actual payroll run instead of an annual estimate, with less to settle at audit. Owners ask for it on the quote form ("pay as you go"). ## Free with every policy in the wallet Free with every policy in the wallet: live certificates; renewal autopilot; changes handled from the app; billing and cancellation alerts; document vault; ask anything, any hour; policy explainer; coverage score and gap alerts; lease and contract checker; business roster; subcontractor certificate tracker; team access; payroll connection; premium audit helper; claims, routed in one tap; one wallet, every business, web and phone. You never pay CoverMatch a fee. When a policy moves here, the carrier pays us the servicing commission it already pays today, from the same premium. The policy itself does not change. Full list: https://covermatch.insure/switch ## Policies No premium amounts are published on this site. Coverage descriptions are summaries; policy forms control. AI-generated summaries inside the product carry a disclaimer and a licensed agent is one step away.