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 North Carolinastate requires |
If a crew member is burned on the fryer, slips on a greasy floor, or is otherwise hurt on the job. $3.1k–$7.6k/yr · typical 20–49-employee fast-food restaurant | RequiredFrom 3 employees |
If you crash a restaurant delivery vehicle — and the gap when employees deliver in their own cars. | Required if you drive$50k/$100k injury · $50k property Do you drive vehicles for the business? |
If a customer slips in your dining area or drive-thru line — or the food you serve makes someone sick. | Not required |
If a fire or equipment breakdown damages your space and gear — plus the income you lose while closed. | Not required |
If your customer card data is breached, or the POS and ordering systems every order runs through are knocked out. | Not required |
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