insurouter

Free tool

Business insurance needs wizard

Answer nine questions about how your business operates and see which coverage categories to ask about, with the reason each one came up.

What it needs from you
Nine answers about how your business actually operates
What you get back
The coverage categories to raise, each with the reason it came up
1

What the business is

Structure and headcount decide which rules can fire at all.

Not counting yourself as the owner. Whether a contractor counts is a state law question.

Result

Coverage categories to ask about

1 category from your answers0 categories worth raising

  • General liability

    Follows from your answers

    General liability responds to claims that your business injured someone or damaged their property. It applies to almost any business, and landlords and clients often require proof of it before they will sign with you.

Read this with it

As a sole proprietor, your personal assets are not separated from the business the way they are in an LLC or a corporation. That makes the liability limits you choose matter more, and it is worth asking an attorney about structure as well as an agent about insurance.

Which coverages are legally required, and from which employee onwards, is set by state law and varies. This tool does not know your state and does not read state statutes.

This is not licensed insurance advice

It is a rules table that turns your answers into questions to ask. What a business is legally required to carry is set by state law and varies, and an agent or broker licensed where you operate is the person who can answer that.

This tool names no company and produces no price.

Methodology

How this tool works, and what it will not tell you

This is a rules table, not advice and not a model. Each of your answers is checked against an explicit list of conditions, and every condition that matches adds one coverage category with the plain reason it matched. Nothing is scored, weighted or ranked, and the rules are ordinary insurance structure rather than anything we derived from data. Categories marked likely follow directly from an answer you gave. Categories marked worth checking are ones the answers make plausible but do not establish. This tool produces no premium, no quote and no savings figure. Pricing depends on rate filings and underwriting data this site does not hold, so any number we printed there would be invented. We would rather show you the arithmetic we can stand behind.

Assumptions

  • You answered about how the business actually operates today, not how you plan to operate.
  • General liability is listed for every business, because the exposure it covers is close to universal.
  • The rules are about coverage structure, not about which company to buy from.

Limitations

  • This is not licensed insurance advice. An agent or broker licensed in your state can tell you what you are legally required to carry.
  • State law varies, and the tool does not ask your state or read statutes. Anything described as commonly required needs checking where you operate.
  • It names no company, produces no quote and recommends no limit or deductible.
  • Industry-specific requirements, contract requirements and licensing board requirements can all mandate cover this tool will not mention.

This tool cites no outside source, because it adds up the numbers you type and nothing else. Where a figure comes from somewhere, the figure carries the citation.

Tool last reviewed 2026-09-30