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 District of Columbiastate requires |
If a kitchen or dining-room worker is hurt on the job. $5.2k–$13k/yr · typical 20–49-employee restaurant | RequiredFrom the first employee |
If you crash a restaurant delivery or catering vehicle. | Required if you drive$25k/$50k injury · $10k property Do you drive vehicles for the business? |
If a diner is hurt on your premises — or the food you serve makes someone sick. | Not required |
If a fire or burst pipe damages your space or equipment — plus the income you lose while closed. | Not required |
If a guest you served alcohol then hurts someone — dram-shop laws can make the restaurant liable. | Not required |
If your POS, payment-card, or reservation data is breached or hit with ransomware. | Not required |
Stay current
We’ll email you when your state’s rules change — no spam.