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
- Checklist and sourced facts
- Legal status
- Not determined
About this tool
Prepare to verify insurance rules for your workers, vehicles, licenses and contracts, and read the sourced workers’ compensation, auto liability and paid leave facts for your state. 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.
Sourced state facts
Choose a state in the checker above to read each fact in full, with its scope, what it does not cover, its official sources and its review date. Each state guide covers the same rules in more depth.
Compare business insurance requirements by state →| State | Facts in the checker | Checked |
|---|---|---|
| Alabama | Workers’ compensation · Auto liability | October 3, 2026 |
| Alaska | Workers’ compensation · Auto liability | October 3, 2026 |
| Arizona | Workers’ compensation · Auto liability | October 3, 2026 |
| Arkansas | Workers’ compensation · Auto liability | October 3, 2026 |
| California | Workers’ compensation · Auto liability · Paid leave | September 6, 2026 and October 3, 2026 |
| Colorado | Workers’ compensation · Auto liability · Paid leave | October 3, 2026 |
| Connecticut | Workers’ compensation · Auto liability · Paid leave | October 3, 2026 |
| Delaware | Workers’ compensation · Auto liability · Paid leave | October 3, 2026 |
| District of Columbia | Workers’ compensation · Auto liability · Paid leave | October 3, 2026 |
| Florida | Workers’ compensation · Auto liability | October 3, 2026 |
| Georgia | Workers’ compensation · Auto liability | October 3, 2026 |
| Hawaii | Workers’ compensation · Auto liability · Paid leave | October 3, 2026 |
| Idaho | Workers’ compensation · Auto liability | October 3, 2026 |
| Illinois | Workers’ compensation · Auto liability | October 3, 2026 |
| Indiana | Workers’ compensation · Auto liability | October 3, 2026 |
| Iowa | Workers’ compensation · Auto liability | October 3, 2026 |
| Kansas | Workers’ compensation · Auto liability | October 3, 2026 |
| Kentucky | Workers’ compensation · Auto liability | October 3, 2026 |
| Louisiana | Workers’ compensation · Auto liability | October 3, 2026 |
| Maine | Workers’ compensation · Auto liability · Paid leave | October 3, 2026 |
| Maryland | Workers’ compensation · Auto liability · Paid leave | October 3, 2026 |
| Massachusetts | Workers’ compensation · Auto liability · Paid leave | October 3, 2026 |
| Michigan | Workers’ compensation · Auto liability | October 3, 2026 |
| Minnesota | Workers’ compensation · Auto liability · Paid leave | October 3, 2026 |
| Mississippi | Workers’ compensation · Auto liability | October 3, 2026 |
| Missouri | Workers’ compensation · Auto liability | October 3, 2026 |
| Montana | Workers’ compensation · Auto liability | October 3, 2026 |
| Nebraska | Workers’ compensation · Auto liability | October 3, 2026 |
| Nevada | Workers’ compensation · Auto liability | October 3, 2026 |
| New Hampshire | Workers’ compensation · Auto liability · Paid leave | October 3, 2026 |
| New Jersey | Workers’ compensation · Auto liability · Paid leave | October 3, 2026 |
| New Mexico | Workers’ compensation · Auto liability | October 3, 2026 |
| New York | Workers’ compensation · Auto liability · Paid leave | October 3, 2026 |
| North Carolina | Workers’ compensation · Auto liability | October 3, 2026 |
| North Dakota | Workers’ compensation · Auto liability | October 3, 2026 |
| Ohio | Workers’ compensation · Auto liability | October 3, 2026 |
| Oklahoma | Workers’ compensation · Auto liability | October 3, 2026 |
| Oregon | Workers’ compensation · Auto liability · Paid leave | October 3, 2026 |
| Pennsylvania | Workers’ compensation · Auto liability | October 3, 2026 |
| Rhode Island | Workers’ compensation · Auto liability · Paid leave | October 3, 2026 |
| South Carolina | Workers’ compensation · Auto liability | October 3, 2026 |
| South Dakota | Workers’ compensation · Auto liability | October 3, 2026 |
| Tennessee | Workers’ compensation · Auto liability | October 3, 2026 |
| Texas | Workers’ compensation · Auto liability | October 3, 2026 |
| Utah | Workers’ compensation · Auto liability | October 3, 2026 |
| Vermont | Workers’ compensation · Auto liability · Paid leave | October 3, 2026 |
| Virginia | Workers’ compensation · Auto liability · Paid leave | October 3, 2026 |
| Washington | Workers’ compensation · Auto liability · Paid leave | October 3, 2026 |
| West Virginia | Workers’ compensation · Auto liability | October 3, 2026 |
| Wisconsin | Workers’ compensation · Auto liability | October 3, 2026 |
| Wyoming | Workers’ compensation · Auto liability | October 3, 2026 |
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.
Read the sourced facts and questions
Each fact for your state repeats an official source and shows its scope, what it does not cover, the date it was checked and its review date. Take the questions to the agency named in the fact and a licensed professional to confirm your situation.
Frequently Asked Questions
Does this tell me exactly what insurance I must buy?
No. For each of the 50 states and DC the tool shows the sourced facts it holds, each with its scope and what it does not cover, and turns your answers into questions to verify. A sourced fact is not a legal determination for your business: your worker classifications, activities, contracts and current state rules still need review.
Where do the state facts come from, and how current are they?
Each fact links to the state agency, legislature or federal page it repeats and shows the date it was checked and its review date. A fact past its review date leaves the tool until it is re-checked; paid leave facts that carry 2026 rates are due for review on December 31, 2026. Paid leave and disability programs appear where an official source states the program and the fact is within its review date; for other states, ask the state labor or benefits agency.
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. Each auto liability fact gives the state minimum and says what it does not cover; it is not a commercial-vehicle determination.