Insurance Resources & tools
Plain-English help and free tools to figure out what you need, get a certificate fast, and place the hard stuff — no jargon, no pressure.
Free tools
The Monster Lab
Describe any “thing” and get the coverages that may matter, a risk read, and next steps — free.
What Insurance Do I Need?
Answer a few quick questions and find the coverages your business probably needs.
Is My Business Hard to Insure?
A 5-question quiz to gauge how hard your risk is to place — and what to do next.
Things We Insure
A searchable directory of everything we cover — personal, business, and weird.
Insurance Glossary A–Z
Plain-English definitions of the insurance terms people ask about most.
Certificates & contract requirements
Someone asked you for proof of insurance, a COI, or specific wording? Start here.
Certificate of Insurance
Someone just asked you for a COI and you need it today. Here's exactly what that is, what…
Additional Insured Wording
A general contractor or client says they need to be added as an "Additional Insured" — maybe with…
Venue Proof of Insurance
Your venue won't let you set up without a certificate naming them. Whether it's a wedding, market, or…
Insurance Before Move-In
A landlord or property manager requires proof of renters or liability coverage before they'll hand over the keys.…
Contract Insurance Requirements
A client contract has a page of insurance requirements and you're not sure what half of it means.…
Guides
Plain-English answers to the questions people ask us most.
How Much Does Small Business Insurance Cost?
What drives the price of small business insurance, typical ranges, and how to pay less without cutting the coverage you actually need.
Renters Insurance: What It Covers and Why Your Lease Requires It
Renters insurance protects your stuff and your liability — not the building. Here’s what it covers, what it doesn’t, and why it’s usually a few dollars a month.
General Liability vs. Professional Liability (E&O): What’s the Difference?
One covers physical harm and property damage; the other covers financial losses from your work or advice. Many businesses need both — here’s why.
What Insurance Does a Contractor Need?
From general liability to tools, workers’ comp, and the certificates your clients demand — the coverages most contractors and tradespeople actually carry.
Do I Need an LLC to Get Business Insurance?
Short answer: no. Here’s how an LLC and business insurance do different jobs — and why most businesses want both.
How Much Does Event Insurance Cost?
Special event liability is often surprisingly affordable. Here’s what drives the price and what venues actually require.
COI vs. Additional Insured: What’s the Difference?
A certificate proves you have coverage; being named additional insured actually extends coverage to someone else. They’re not the same — and the difference matters.
How Much Life Insurance Do I Need?
A simple way to size a term life policy around the people who depend on you — using your income, debts, and goals.
Hard-to-place & fun
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