State Insurance Guide

Insurance Requirements Vary by State

Every state has its own rules when it comes to small business insurance — from mandatory coverage types to minimum policy limits and licensing fees. Whether you’re a contractor in California or a beauty professional in Florida, what you need to stay compliant depends on where you operate. Use the map below to find the requirements specific to your state and industry.

Where are you?

Not Sure Where to Start?

Navigating state-by-state insurance requirements can be complex, especially when you’re focused on running your business. Gild’s licensed advisors are here to help you understand exactly what coverage your state requires, compare your options, and get insured quickly — so you can get back to work with confidence.

Frequently Asked Questions

Can I use my home state’s workers’ compensation policy on a Montana construction job?

No. Montana’s workers’ compensation law does not accept another state’s coverage in the construction industry. You need a Montana-specific policy before work begins. Out-of-state contractors can apply for a bid-only credential, then upgrade it once Montana coverage is in place.

Can an out-of-state employer need North Dakota WSI coverage?

Yes. If you come into North Dakota and hire workers here for work here, coverage is required. WSI also applies significant-contact tests, including whether a worker earns 25 percent or more of their gross annual wage for services in the state, or whether 25 percent of your payroll is payable for North Dakota services.