Methodology
Everything on this site is either a primary-sourced fact with a citation and a verification date, or it is labelled as a model. There is no third category, and nothing is generated to fill a gap.
Statutory data
Workers' compensation thresholds, sole-proprietor rules, monopolistic-fund status, auto financial-responsibility minimums and licensing authorities are researched per jurisdiction from the state department of insurance, workers' compensation board and licensing board. Each field stores its source URL and the date it was last verified. Any row older than 180 days is flagged for re-verification and the page it feeds is pulled from the index until it is refreshed.
| State | WC threshold | Verified |
|---|---|---|
| Alabama | 5 employee(s) | pending |
| Alaska | 1 employee(s) | pending |
| Arizona | 1 employee(s) | pending |
| Arkansas | 3 employee(s) | pending |
| California | 1 employee(s) | pending |
| Colorado | 1 employee(s) | pending |
| Connecticut | 1 employee(s) | pending |
| Delaware | 1 employee(s) | pending |
| District of Columbia | 1 employee(s) | pending |
| Florida | 4 employee(s) | pending |
| Georgia | 3 employee(s) | pending |
| Hawaii | 1 employee(s) | pending |
| Idaho | 1 employee(s) | pending |
| Illinois | 1 employee(s) | pending |
| Indiana | 1 employee(s) | pending |
| Iowa | 1 employee(s) | pending |
| Kansas | 1 employee(s) | pending |
| Kentucky | 1 employee(s) | pending |
| Louisiana | 1 employee(s) | pending |
| Maine | 1 employee(s) | pending |
| Maryland | 1 employee(s) | pending |
| Massachusetts | 1 employee(s) | pending |
| Michigan | 1 employee(s) | pending |
| Minnesota | 1 employee(s) | pending |
| Mississippi | 5 employee(s) | pending |
| Missouri | 5 employee(s) | pending |
| Montana | 1 employee(s) | pending |
| Nebraska | 1 employee(s) | pending |
| Nevada | 1 employee(s) | pending |
| New Hampshire | 1 employee(s) | pending |
| New Jersey | 1 employee(s) | pending |
| New Mexico | 3 employee(s) | pending |
| New York | 1 employee(s) | pending |
| North Carolina | 3 employee(s) | pending |
| North Dakota | 1 employee(s) · monopolistic | pending |
| Ohio | 1 employee(s) · monopolistic | pending |
| Oklahoma | 1 employee(s) | pending |
| Oregon | 1 employee(s) | pending |
| Pennsylvania | 1 employee(s) | pending |
| Rhode Island | 1 employee(s) | pending |
| South Carolina | 4 employee(s) | pending |
| South Dakota | elective | pending |
| Tennessee | 5 employee(s) | pending |
| Texas | elective | pending |
| Utah | 1 employee(s) | pending |
| Vermont | 1 employee(s) | pending |
| Virginia | 3 employee(s) | pending |
| Washington | 1 employee(s) · monopolistic | pending |
| West Virginia | 1 employee(s) | pending |
| Wisconsin | 3 employee(s) | pending |
| Wyoming | 1 employee(s) · monopolistic | pending |
Premium ranges
Cost is built bottom-up, one coverage line at a time, from published premium observations rather than from a single blended guess. For each line we take a benchmark reported by a named carrier or broker rate study for the closest industry segment, then adjust it for the state's relative cost level and — for workers' compensation — for headcount. Every figure on a results page shows the study it came from and the date it was collected.
- Insureon — Small Business Insurance Cost Analysis
Median and modal premiums across Insureon's book of small-business policyholders, reported by coverage line and industry.
- NEXT Insurance — Small Business Insurance Cost Guide
Reported average cost for policies sold direct to small businesses, segmented by trade.
- Progressive Commercial — Commercial Auto and BOP Cost Report
Average annual premiums for commercial auto and business owner's policies written through Progressive Commercial.
- Hiscox — Professional Liability and BOP Pricing
Median premiums for professional liability and business owner's policies for micro-businesses and sole practitioners.
- TechInsurance — Cyber and Technology E&O Cost Benchmarks
Median premiums for cyber liability and technology E&O for small technology firms.
- Oregon Dept. of Consumer & Business Services — Workers' Compensation Premium Rate Ranking
Biennial study comparing every state's workers' compensation premium rate level against a common national mix of risk. Indexed here so 100 = national median.
State adjustment uses a relative cost index where 100 is the national median, so identical operations in California (index 168) price materially above the same operations in Indiana (index 66). These are market ranges, never quotes: claims history, payroll, revenue and limit selection move the final number more than any input on this site. Benchmarks are re-verified every 180 days.
Certificate and contract requirements
The additional-insured, waiver-of-subrogation and primary-and-non-contributory language quoted on this site is collected from public sources: municipal and state procurement portals that publish insurance requirement exhibits, standard commercial lease forms, and published marketplace vendor agreements. Each entry records the type of party requiring it and the date collected.
What we will not do
- Never invent a statute number, a citation, a threshold or a premium figure. If the data is not collected, the page says so and stays out of the index.
- Never present a modelled number as an observed one.
- Never let a commercial relationship change what a page says you are required to carry.
Substantive pages will carry a licensed P&C reviewer credit with license number and a lookup link once the review retainer is in place. Until then, treat every page as unreviewed research.