Terms of Use
Last updated August 10, 2026
Acceptance
By using this site you agree to these terms. If you do not agree, stop using the site.
Informational use only
The coverage requirements engine, statutory summaries and premium ranges are published for general information. They are not insurance advice, legal advice, an offer of insurance, a binder or a quote. No agent, broker or attorney relationship is created by using this site. See the insurance disclaimer.
Accuracy and change
Insurance law, filed rates and contract requirements change constantly. We source and re-verify data on a published schedule, but we do not warrant that any figure is current, complete or applicable to your business. Verify anything you intend to rely on with your state regulator, your contract, or a licensed agent in your state.
Affiliate disclosure
Some outbound links are paid partner links and we may earn a commission if you obtain a quote or purchase a policy. Compensation never changes the statutory requirements shown, which are derived from primary sources.
Acceptable use
Do not scrape at a rate that degrades the service, republish the dataset wholesale, misrepresent the source of the content, or use the site to violate any law.
Intellectual property
The site's original research, compilation, wording and design are ours. Statutory text and government publications remain the property of their issuing bodies.
Limitation of liability
The site is provided "as is" without warranties of any kind. To the maximum extent permitted by law, we are not liable for any indirect, incidental or consequential loss, including uninsured losses, denied claims, lost contracts or penalties, arising from your use of this site.
Changes to these terms
We may revise these terms; the date above reflects the current version. Continued use after a change constitutes acceptance.