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 Virginiastate requires |
If a nurse, aide, or therapist is hurt lifting a patient or driving between clients. $710–$2.8k/yr · typical <5-employee home-health agency | RequiredFrom 3 employees |
If a patient says your care fell short and caused harm. | Required if…your state conditions the home-health agency license on liability coverage |
If you crash a vehicle carrying nurses and aides from one client's home to the next. | Required if you drive$50k/$100k injury · $25k property Do you drive vehicles for the business? |
If your staff damages a client's home or hurts someone while working there, and a claim lands on the agency. | Not required |
If patient records carried into the field are breached — HIPAA's notification duties travel with every visit. | Not required |
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