I carry insurance for by business. It is $500 per year and my homeowners policy requires that I carry it. I do not advertise that I carry it... BUT last year I had a long term client's daughter break her arm. I mentioned nothing of myself having insurance and she didnt ask. However, in the doctor's report they said she broke it at daycare and months later HER health insurance company requested my insurance info and my insurance had to pay for it (even though it wasnt my fault).I guess my policy has a "no fault" medical coverage up to $5000.

As far as vehicle insurance... my agent said I do not need a business policy. We go on a field trip 4 times per year. I have a 1 million dollar policy on the vehicle too just in case.

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