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 Minnesotastate requires |
If a bartender, barback, or door staffer is hurt on the job. $330–$1.3k/yr · typical <5-employee bar | RequiredFrom the first employee |
If a patron you served alcohol then hurts someone — dram-shop laws can make the bar liable. | Required if…your state conditions the on-premises liquor license on proof of coverage (or an approve… |
If a patron is hurt on your premises — a slip, a fall, or a scuffle that reaches a bystander — and a claim lands on the business. | Not required |
If a fire or other covered event damages your build-out, furnishings, and bar stock — plus the income lost while the doors stay closed. | Not required |
If the POS your card payments and open tabs run through is breached, or that card data is compromised. | Not required |
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