Editorial Standards

PolicyBenchmark publishes educational information about commercial insurance. These standards describe the approach we are applying to new and refreshed content. They are not a certification that every article in the archive has completed the same review.

Content and Sources

Our aim is to answer a clear business question in plain language. New or refreshed articles should link to primary sources for claims about coverage, regulations, prices, carrier features, and numerical findings. Sources should support the specific statement and make relevant dates, locations, and limitations clear.

We use automated drafting and quality checks. Those checks can flag missing information, broken structure, or incomplete metadata; they cannot verify a claim's accuracy or replace editorial judgment. Factual and regulatory assertions require human verification against their sources, with qualified insurance review where appropriate, before they are treated as approved.

We do not use an organizational byline as evidence of individual credentials. A named reviewer, professional qualification, first-hand test, or original study should be described only when it can be documented. Publication dates remain tied to the original article; an updated date should reflect a substantive change.

Provider Information and Ratings

Provider profiles are educational starting points. Numerical editorial score cards and review-rating markup are withheld while a documented evaluation method and supporting observations are established. A provider page does not establish that we purchased a policy, obtained comparable live quotes, tested claims service, or have a commercial relationship.

Availability, features and financial-strength ratings must be checked against current sources for the actual underwriting company and jurisdiction. An insurer brand, broker and comparison marketplace have different roles; they should not be treated as interchangeable.

Tool Methodology

• General liability planner: Helps organize operations and proposal questions. It does not manufacture a premium from industry averages or state multipliers.
• Workers' compensation calculator: Shows arithmetic using a rate supplied by the reader. The result is an incomplete rating subtotal, not a verified class rate or final premium.
• Business insurance quiz: Uses declared activities to organize coverage topics. It does not determine legally required coverage or policy eligibility.
• State requirements checker: Displays only source-scoped reference facts that pass date and review-status checks. Other requirements stay open questions for the relevant authority.
• Cyber risk checklist: Helps identify controls and responsibilities to discuss. It does not estimate breach probability, loss dollars, premium or adequate limits.

Tool datasets identify their source scope and review limitations. Unsupported stored medians, class rates, adjustments and risk scores have been removed from these tools. The older article archive is being reviewed separately; completing a mechanical publishing check is not proof that every fact in an article is accurate.

Commercial Disclosures

Provider links may generate referral revenue, as described on our How We Make Money page. Commercial disclosures accompany the site, and affiliate links use sponsored-link markup. A commercial relationship should not be presented as evidence that a provider is the best fit for every reader.

First-party inquiries are separate from purchasing insurance. Their purpose, contact permission, and handling are described in the request form and Privacy Policy.

Corrections

When reporting an error or outdated statement, include the page address and relevant source where possible. A correction should address the affected statement and any related explanation. Substantive updates should carry a revised date; a new date alone does not establish that all other claims on the page have been rechecked.