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 Yorkstate requires |
If a painter falls from a ladder or scaffold, or is otherwise hurt on the job. $6k–$24k/yr · typical <5-employee painting business | RequiredFrom the first employee |
If you crash a van or truck hauling your crew, ladders, and paint between job sites. | Required if you drive$25k/$50k injury · $10k property Do you drive vehicles for the business? |
Some states and cities require this bond to license your painting work — it guarantees the public, not your business. | Varies locally |
If your overspray drifts onto a customer's car or landscaping mid-job — or your finished work causes harm after the crew has left. | Not required |
If the sprayers, ladders, and prep gear that ride in your van and sit on job sites are stolen, lost, or damaged. | Not required |
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