# PolicyBenchmark — llms.txt

> PolicyBenchmark is an independent educational resource for small business commercial insurance. We provide coverage guides, carrier reviews, state-specific insurance guides, interactive tools, and educational blog content to help small business owners understand and compare commercial insurance options.

## Key Content Areas

### Coverage Guides (/insurance/)
Comprehensive reference pages for 8 commercial insurance types: general liability, workers' compensation, business owners policy (BOP), commercial auto, professional liability (E&O), cyber insurance, umbrella insurance, and directors & officers (D&O) insurance. Each guide covers what the coverage is, who needs it, typical costs, what's covered and excluded, and FAQs.

### Carrier Reviews (/reviews/)
Independent reviews of 8 commercial insurance carriers: The Hartford, NEXT Insurance, Hiscox, biBERK, Thimble, Embroker, Insureon, and Progressive Commercial. Reviews include ratings across 6 dimensions, pros/cons, and detailed analysis.

### State Guides (/states/)
State-specific business insurance requirement guides for 20 states covering workers' compensation mandates, employee thresholds, penalties for non-compliance, and state-specific regulations.

### Educational Guides (/guides/)
Long-form educational content on cross-cutting insurance topics: choosing business insurance, understanding costs, insurance for freelancers, contractors, restaurants, certificates of insurance, the claims process, and workers' comp audits.

### Interactive Tools (/tools/)
Free calculators and assessment tools: Workers' Comp Calculator, General Liability Cost Estimator, Business Insurance Quiz, State Requirements Checker, and Cyber Risk Assessment. All outputs are educational estimates, not quotes.

### Blog (/blog/)
Timely articles on commercial insurance topics including cost analysis, industry guides, comparison articles, and insurance buying checklists.

## Important Context
- PolicyBenchmark is a content publisher, not a licensed insurance agent or broker
- All cost figures are educational estimates based on publicly available industry data
- The site is funded through affiliate partnerships that do not influence editorial ratings
- Content is reviewed and updated regularly for accuracy