Provident Financial Group

Business insurance requirements by state

Written and reviewed by Michael LaBarbera, licensed insurance agent· License numbers available on request· Last reviewed October 18, 2026

Business insurance requirements for small businesses come from state-specific employer and vehicle rules, trade licensing conditions, and private agreements. This table covers the agency’s 23 licensed jurisdictions. It links verified baseline rules to their authorities and leaves unverified coverage obligations as See source; a package policy does not itself prove compliance with every license or contract.

Key facts

ScopeExactly 23 licensed jurisdictions
EvidencePrimary authority linked beside each row
Unverified valuesSee source; no numerical or legal inference
DownloadCSV contains the same rows and source URLs as this table

No statewide GL, BOP or professional-liability mandate is inferred here. Ask the applicable licensing authority about the exact trade and compare private contracts separately.

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Business insurance requirements by state — 23 licensed jurisdictions
JurisdictionCoverage requiring reviewGeneral liability licensing rulesBOP or property obligationsOther trade-specific obligationsSource
ArizonaSee sourceSee sourceSee sourceSee sourceArizona Department of Insurance and Financial Institutions — State insurance regulator
CaliforniaSee sourceSee sourceSee sourceSee sourceCalifornia Department of Insurance — State insurance regulator
ConnecticutSee sourceSee sourceSee sourceSee sourceConnecticut Insurance Department — State insurance regulator
DelawareSee sourceSee sourceSee sourceSee sourceDelaware Department of Insurance — State insurance regulator
FloridaSee sourceSee sourceSee sourceSee sourceFlorida Office of Insurance Regulation — State insurance regulator
GeorgiaSee sourceSee sourceSee sourceSee sourceGeorgia Office of Insurance and Safety Fire Commissioner — State insurance regulator
IndianaSee sourceSee sourceSee sourceSee sourceIndiana Department of Insurance — State insurance regulator
KansasSee sourceSee sourceSee sourceSee sourceKansas Insurance Department — State insurance regulator
KentuckySee sourceSee sourceSee sourceSee sourceKentucky Department of Insurance — State insurance regulator
MarylandSee sourceSee sourceSee sourceSee sourceMaryland Insurance Administration — State insurance regulator
MassachusettsSee sourceSee sourceSee sourceSee sourceMassachusetts Division of Insurance — State insurance regulator
MichiganSee sourceSee sourceSee sourceSee sourceMichigan Department of Insurance and Financial Services — State insurance regulator
NevadaSee sourceSee sourceSee sourceSee sourceNevada Division of Insurance — State insurance regulator
New JerseySee sourceSee sourceSee sourceSee sourceNew Jersey Department of Banking and Insurance — State insurance regulator
New YorkSee sourceSee sourceSee sourceSee sourceNew York State Department of Financial Services — State insurance regulator
North CarolinaSee sourceSee sourceSee sourceSee sourceNorth Carolina Department of Insurance — State insurance regulator
OhioSee sourceSee sourceSee sourceSee sourceOhio Department of Insurance — State insurance regulator
PennsylvaniaSee sourceSee sourceSee sourceSee sourcePennsylvania Insurance Department — State insurance regulator
South CarolinaSee sourceSee sourceSee sourceSee sourceSouth Carolina Department of Insurance — State insurance regulator
TexasSee sourceSee sourceSee sourceSee sourceTexas Department of Insurance — State insurance regulator
VermontSee sourceSee sourceSee sourceSee sourceVermont Department of Financial Regulation — State insurance regulator
VirginiaSee sourceSee sourceSee sourceSee sourceVirginia State Corporation Commission — Bureau of Insurance — State insurance regulator
Washington, D.C.See sourceSee sourceSee sourceSee sourceD.C. Department of Insurance, Securities and Banking — State insurance regulator

How should I use these sources?

Follow the row’s primary authority and confirm the current rule for the actual employer, vehicle or licensed trade. An unverified cell is not a finding that insurance is optional. This reference is general guidance and does not certify compliance with licensing rules or private agreements.