Is your coverage enough?
Pick your trade and state, then add your policy, a contract, or a quote — we read it line by line and score each coverage against what your state requires and what a contract demands, whichever is stricter, in plain English. We don’t issue quotes or certificates — just a plain read of the public record, not insurance advice.
This tool uses AI and can make mistakes — double-check anything important against your actual policy, and a licensed agent, before you rely on it.
| Requirements · must clear | |
|---|---|
| Coverage | In Arkansasstate requires |
If a mechanic, technician, or service writer is hurt on the job. $440–$1.8k/yr · typical <5-employee repair shop | RequiredFrom 3 employees |
If you crash a shop vehicle — a tow truck, parts runner, or a customer's car on a test drive. | Required if you drive$25k/$50k injury · $25k property Do you drive vehicles for the business? |
If a customer is hurt in your waiting area — or a repair you finished fails later and causes harm. | Not required |
If a customer's car is damaged while it's in your care — on the lift, in the bay, or on your lot. | Not required |
If your scanners, diagnostic gear, and hand tools are stolen, lost, or damaged — in the shop or on the road. | Not required |
Bundles your premises property, liability, and lost income into one policy for a small shop. | Not required |
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