Commercial insurance requirements by industry (2026)
Browse the typical commercial-insurance coverage stack for 30 U.S. industries. Each page summarizes the lines a vertical typically carries — what's legally required, what's contractually required, and what's commonly carried even where not mandated. Confirm legal requirements with a licensed agent in your state.
Browse by industry
What insurance does a barber shop need? →
Typical coverages, legal requirements caveats, and cost calculator link.
What insurance does a bobtail need? →
Typical coverages, legal requirements caveats, and cost calculator link.
What insurance does a bounce house need? →
Typical coverages, legal requirements caveats, and cost calculator link.
What insurance does a box truck need? →
Typical coverages, legal requirements caveats, and cost calculator link.
What insurance does a business owner's policy need? →
Typical coverages, legal requirements caveats, and cost calculator link.
What insurance does a commercial auto need? →
Typical coverages, legal requirements caveats, and cost calculator link.
What insurance does a commercial truck need? →
Typical coverages, legal requirements caveats, and cost calculator link.
What insurance does a commercial umbrella need? →
Typical coverages, legal requirements caveats, and cost calculator link.
What insurance does a contractors tools & equipment (inland marine) need? →
Typical coverages, legal requirements caveats, and cost calculator link.
What insurance does a cyber liability need? →
Typical coverages, legal requirements caveats, and cost calculator link.
What insurance does a epli need? →
Typical coverages, legal requirements caveats, and cost calculator link.
What insurance does a fleet need? →
Typical coverages, legal requirements caveats, and cost calculator link.
What insurance does a food truck need? →
Typical coverages, legal requirements caveats, and cost calculator link.
What insurance does a freight broker need? →
Typical coverages, legal requirements caveats, and cost calculator link.
What insurance does a general liability need? →
Typical coverages, legal requirements caveats, and cost calculator link.
What insurance does a hot-shot trucking need? →
Typical coverages, legal requirements caveats, and cost calculator link.
What insurance does a inflatable rental need? →
Typical coverages, legal requirements caveats, and cost calculator link.
What insurance does a landscaping need? →
Typical coverages, legal requirements caveats, and cost calculator link.
What insurance does a limousine need? →
Typical coverages, legal requirements caveats, and cost calculator link.
What insurance does a motor truck cargo need? →
Typical coverages, legal requirements caveats, and cost calculator link.
What insurance does a nail salon need? →
Typical coverages, legal requirements caveats, and cost calculator link.
What insurance does a passenger car rental need? →
Typical coverages, legal requirements caveats, and cost calculator link.
What insurance does a plumber need? →
Typical coverages, legal requirements caveats, and cost calculator link.
What insurance does a professional liability need? →
Typical coverages, legal requirements caveats, and cost calculator link.
What insurance does a religious organization need? →
Typical coverages, legal requirements caveats, and cost calculator link.
What insurance does a restaurant need? →
Typical coverages, legal requirements caveats, and cost calculator link.
What insurance does a semi-truck need? →
Typical coverages, legal requirements caveats, and cost calculator link.
What insurance does a taxi & rideshare need? →
Typical coverages, legal requirements caveats, and cost calculator link.
What insurance does a tow truck need? →
Typical coverages, legal requirements caveats, and cost calculator link.
What insurance does a workers comp need? →
Typical coverages, legal requirements caveats, and cost calculator link.
Vertical content guides
We have detailed coverage guides for these verticals at /learn (matrix-engine pages
for them are on the roadmap as content depth lands):