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 New Jerseystate requires |
If one of your electricians is hurt on the job. $2.7k–$11k/yr · typical <5-employee electrical shop | RequiredFrom the first employee |
If you crash a van or truck carrying your crew or gear to a job. | Required if you drive$35k/$70k injury · $25k property Do you drive vehicles for the business? |
Some states require this bond to license your work — it guarantees the public, not your business. | Required$1k bond |
If someone's hurt or their property's damaged by your work — even wiring that fails after the crew has left. | Not required |
If the testers, benders, and power tools on your truck are stolen, lost, or damaged. | Not required |
If a client says your design or load calculations were wrong and cost them money. | Not required |
Stay current
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