About American Insurance HQ
We help small business owners find the right insurance coverage for their specific trade and state — with honest cost data, licensing requirements, and access to top-rated carriers.
Our Editorial Mission
American Insurance HQ provides data-driven, state-specific insurance guidance for small business owners across the United States. Our content is researched using state insurance department publications, NCCI rate filings, and official licensing board requirements.
We publish guides covering over 1,500 profession-and-state combinations, with each page containing cost estimates calculated from state-specific cost indexes, regulatory notes pulled from official state sources, and licensing requirements sourced from the relevant state licensing boards.
Our goal is simple: every small business owner should be able to find out exactly what insurance they need, what it will cost, and how to get it — for their specific trade and their specific state.
Editorial Standards
Source Verification
All regulatory requirements are cross-referenced against official state insurance department websites and licensing board publications before publication.
Cost Methodology
Insurance cost estimates are calculated using national averages from NCCI rate filings, adjusted by state-specific cost indexes. We do not fabricate cost data.
Quarterly Reviews
All pages are reviewed and updated quarterly. State regulatory information is verified against official state department websites to ensure accuracy.
Editorial Independence
Our editorial content is not influenced by our affiliate relationships with insurance providers. We recommend coverage types based on industry standards and regulatory requirements, not commission rates.
Data Sources
- •National Council on Compensation Insurance (NCCI) — workers compensation rate filings
- •All 50 State Insurance Departments — licensing requirements and regulated carrier information
- •National Fire Protection Association (NFPA) — fire-related liability statistics
- •Insurance Information Institute (III) — industry claims data and cost benchmarks
- •U.S. Bureau of Labor Statistics (BLS) — occupational injury and fatality data
- •State Contractor Licensing Boards — trade-specific licensing and insurance requirements
Content Update Policy
All pages are reviewed quarterly against official state department websites. When regulations change — new licensing requirements, updated minimum coverage amounts, or changes to workers compensation systems — we update affected pages within 30 days of the change taking effect. Each page displays a “Last Updated” timestamp to help you confirm the information is current.
Affiliate Relationships
American Insurance HQ maintains affiliate relationships with select insurance providers. When you purchase a policy through links on our site, we may receive a commission at no additional cost to you.
This revenue supports our ability to maintain and update this resource. Our affiliate relationships do not influence which coverage types we recommend or what we report about state regulations.
Contact
For questions about our content, data accuracy, or to report an outdated regulation:
Email: support@americaninsurancehq.com
American Insurance HQ is not a licensed insurance agent or broker. We do not sell insurance directly. All insurance transactions occur on the websites of our affiliate partners who are licensed in the relevant states.