Cover for Work

Editorial policy

Last updated

Insurance is a topic where a wrong answer can cost a business real money. This page explains exactly how our guides are made, so you can decide how much to trust them.

1. We start from a real question

Every guide begins with a question that people actually search for, such as "does an LLC need insurance" or "general liability insurance for cleaning business". We use search data to choose topics, and we write one guide per question instead of one long page about everything.

2. We use official and primary sources

Facts in our guides come from sources such as:

  • state insurance departments and licensing boards
  • federal agencies, for example the U.S. Small Business Administration, the IRS and the Department of Labor
  • the National Association of Insurance Commissioners (NAIC)
  • insurers' own published policy documents and coverage descriptions

Every guide lists its sources at the end with links, so you can check them yourself.

3. How we use AI

Our guides are drafted with the help of AI writing tools, working from the sources above. We are open about this because you deserve to know. AI is a drafting tool, not an authority, so we put strict rules around it:

  • No invented facts. Drafts may not contain prices, statistics, laws, deadlines or coverage limits that are not supported by a cited source. If we can't source a number, we leave it out.
  • No invented experience. We don't write fake first-person stories, fake customers or fake experts.
  • Examples are labelled. When a guide uses a scenario to explain something, it is clearly marked as hypothetical.
  • Automated checks. Before a guide can be published, software checks that every link works, that sources are present, that the structure is complete and that editing passes did not change any number or link.
  • Human oversight. New guides are reviewed before publishing, and published guides are spot-checked regularly.

4. Independence

We don't sell insurance and no insurer pays us to appear in a guide. If we ever publish sponsored content or show ads, they will be clearly labelled and kept separate from our guides.

5. Corrections and updates

Insurance rules change. When we learn that something is wrong or out of date, we fix it and update the "Updated" date on the guide. You can report an error on our contact page.

6. Not advice

Our guides are general information. They can't account for your state, your contracts or your claims history. Before you buy or change a policy, talk to a licensed insurance agent in your state. See our full disclaimer.