Free interactive tool

Coverage finder for solo service businesses

Answer seven questions about how you work. The result is a research list—not a quote, recommendation, or statement of legal requirements.

Which statements describe your business?Clients or members of the public visit you, or you work at their propertyYou provide advice, designs, instruction, strategy, or other professional servicesYou carry valuable tools, cameras, laptops, or equipment between jobsYou regularly use a vehicle for businessYou have employees or are planning to hireYou store customer data, credentials, health/payment details, or depend on online systemsYou own business property or rent a studio, office, salon, or shop

Coverage types to investigate

Select the statements that apply. This tool does not determine what you must buy.

How to use the result

Open each coverage explainer and note the exclusions that could matter.
Compare your client, lease, venue, or platform contract with the policy.
Verify state-specific workers’ compensation, licensing, and profession rules with the responsible authority.
Give the insurer or broker a complete description of your actual operations.