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 Mississippistate requires |
If a driver, dock hand, or mechanic is hurt on the job. $1.9k–$7.7k/yr · typical <5-employee trucking company | RequiredFrom 5 employees |
If one of your trucks injures someone or wrecks their property — federal law requires this at $750,000 and up for for-hire interstate hauling. | Required if you drive Do you haul for hire across state lines? Checks the $750k general-freight floor — oil ($1M) and hazmat ($5M) owe more; confirm your class |
If a customer's freight is lost or damaged while it's in your truck. | Required if…you move household goods for hire interstate |
If your own tractor or trailer is wrecked, burned, stolen, or vandalized. | Not required |
If a leased owner-operator is hurt and workers' comp doesn't cover them. | Not required |
If the dispatch and load systems your trucks can't run without are locked up or breached. | Not required |
Stay current
We’ll email you when your state’s rules change — no spam.