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I think most states will not allow a minor to enter into a contract until they are eighteen, but check with an insurance agent in your area.




Really most states will allow persons of any age to enter into contracts, the question is whether the contract will be enforceable against a minor, should the minor breach. Many times the contract won't be enforceable against the minor. That is why many insurance companies would not write a professional liability policy for a minor, since the minor could breach and then the company wouldn't be able to collect their premiums. But if the insurance company is willing to take the risk, that is up to them.


Of course, some states may have laws prohibiting minors from entering into contract altogether, and some states may have laws which prohibit minors from entering into contracts for insurance coverage.

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