Starting Out or Hiring Your First Employee? Plain-English Insurance Help for Every Trade & State
Insurance Cost Calculator
Estimate what coverage will cost for your trade, revenue, and state.
What Insurance Do I Need?
Answer a few questions to see the coverages your business actually needs.
Workers' Comp Checker
Find out if workers' comp is required for your business in your state.
Certificate of Insurance Helper
Understand a client's COI request and exactly what you need to provide.
Explore Business Insurance Guides
Plain-English guides for what your trade needs, what it really costs, and what your state requires.
Insurance by Profession
The coverages a given trade actually needs — general liability, a BOP, workers' comp, commercial auto — with the real median monthly cost of each.
View Profession Guides →Coverage Types Explained
What each coverage is, who needs it, what it costs, and what it does and does NOT cover — from general liability to cyber and commercial umbrella.
View Coverage Guides →Workers' Comp by State
The exact employee count that triggers the mandate, who's exempt, the penalty for going without, and whether your state is monopolistic.
View Workers' Comp Guides →Business Insurance Requirements by State
What's required to operate — commercial-auto minimums, contractor license and bond amounts, and what's required by law vs by clients.
View State Requirements →Cost & Pricing
How much each coverage really costs per month — median figures and typical ranges by trade, revenue, payroll, and state.
View Cost Guides →Comparisons
Plain-English head-to-heads — general liability vs professional liability, BOP vs standalone, occurrence vs claims-made, and more.
View Comparisons →
Business Insurance in Plain English
Most owners only look this up at one of three moments — starting an LLC, hiring a first employee, or when a client demands a certificate of insurance.
Business Insure Guide breaks your state's actual requirements and real market costs into language anyone can follow, so you know exactly what you need before you ever get a quote.
- Exact workers'-comp thresholds, penalties, and exemptions by state
- What each coverage does — and what it really costs per month
- Commercial-auto minimums and contractor bond amounts
- Which coverages your specific trade actually needs
- Free tools to estimate cost and check requirements instantly
Find Your State's Business Insurance Requirements
Click any state for workers'-comp rules, commercial-auto minimums, and what's required to operate.
Business Insurance by State
Know Exactly What You Need Before You Get a Quote
Free guides, calculators, and exact state-specific requirements — no signup required.
Browse All Guides →