Free business insurance tool

State Insurance Requirements Checklist

Build questions to verify business insurance obligations with state agencies and licensed professionals, with clearly scoped sources where available.

Directory: 50 states and DC
Output: Verification checklist
Legal status: Not determined

About this tool

Prepare to verify insurance rules for your workers, vehicles, licenses and contracts. A state and employee count alone cannot establish all of your obligations.

This tool does not determine legal compliance, exemptions or sufficient coverage. Confirm current requirements for your circumstances.

Business state

Employees (optional)

Use a whole number from 0 to 10,000. Leaving this blank means unknown.

Are any vehicles used for business?

YesNoNot sure

Your requirements research checklist

What to verify in District of Columbia

These questions help you check obligations with the right agency and a licensed professional. We have not verified a complete requirements record for District of Columbia; this result does not label you compliant, exempt or required to buy a policy.

Verify for your business

Workers’ compensation

Add your employee count to tailor the questions. Confirm which workers count under the rules where they work.

Verify for your business

Vehicles used for business

Include owned, leased, rented and employee-owned vehicles used for work. Ownership and use affect which questions to ask.

Verify for your business

Disability and paid leave programs

Ask the state labor or benefits agency which programs apply to your workforce, including contribution and reporting obligations. This tool has not verified a state-specific determination.

Verify for your business

Licenses, leases and client contracts

Check your trade licensing rules, permits, leases and client contracts for insurance or bond requirements. General liability obligations cannot be determined from a state and employee count alone.

Bring these details when you check

Your legal business structure, trade license and precise work activities.
Where employees and contractors work, including temporary projects across state lines.
Vehicle use and any lease, loan, customer or project insurance requirements.
Existing policy forms and endorsements, rather than a certificate alone.

Explore the District of Columbia guide →

Take your questions to the next step.

You can optionally ask PolicyBenchmark to follow up. Your available business category, state and employee range carry over; you review your details before submitting.

Ask us about this topic

Your results remain available here without contact details. A request does not provide a quote, bind coverage or send your information to an insurer.

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How to Use This Tool

Use this tool to prepare for a more informed insurance conversation:

Select your state

Select a state where you operate; repeat the review for other work locations.

Describe employees and vehicles

Enter employees if known and indicate business vehicle use. Zero employees does not establish an exemption.

Review questions and sources

Check the scope and date of any sourced reference, then confirm your situation with the relevant agency and a licensed professional.

Frequently Asked Questions

Does this tell me exactly what insurance I must buy?

No. The tool does not have a fully verified legal-requirements record for each state. It provides verification questions and clearly scoped reference facts. Your worker classifications, activities, contracts and current state rules need review.

Does zero employees mean workers’ compensation is unnecessary?

No. The tool records zero separately from unknown. Ask how owners, contractors, trade-specific rules and work in other states affect your circumstances.

Are standard auto minimums sufficient for every business vehicle?

Do not assume that. Vehicle use, weight, cargo, operating areas, motor carrier rules and contracts may call for different limits or coverage. A sourced standard-auto reference is not a commercial-vehicle determination.