Brokly

Lists the trades and U.S. states Brokly can answer for — statute-derived state insurance requirements and filed-rate workers'-comp cost benchmarks — with the canonical trade/state slugs and size bands to use as inputs to Brokly's other tools. Call this first to learn what is answerable. Informational only — not a quote and not insurance advice.

get_coverage_map

Plain-English side-by-side of two commonly confused coverages (e.g. general liability vs. BOP, bonded vs. insured): the one-sentence verdict first, then the aspect table and which trades each fits. Call WITHOUT arguments to list the available comparisons and their slugs; pass a slug from that list for the full answer. Informational only — not insurance advice.

compare_coverages

Defines an insurance term in plain English for a small-business owner: the one-sentence meaning, why it matters, and where you'll meet it (leases, contracts, certificates). Accepts the term's name, a common alias ("COI", "workers comp"), or its slug. Covers Brokly's glossary and the certificate-of-insurance explainer. Informational only — not insurance advice.

explain_term

What a U.S. state requires of a specific trade: the tier-sorted coverage list (required by law / required if / elective) with one-line explanations, the state's own minimums and bond rules where they exist, and a citation per coverage. Inputs are canonical slugs from get_coverage_map. Informational only — Brokly's read of the public record, not insurance advice.

get_state_requirements

Typical annual workers'-compensation cost for a trade × state × business size: a modeled range and typical figure (2 significant figures) from the state's filed rates, with the state's filed-rate rank. A benchmark, NOT a quote. Inputs are canonical slugs and size-band ids from get_coverage_map; omit size_band for the state's typical band.

get_cost_benchmark