Just wondering if any of the younger people on the board (25 or younger) are carrying insurance, and whether or not its really expensive. I plan on getting insurance this year for my business, but i have a few questions that may help everyone. What is a decent rate i can expect for the year? Do i still have to carry personal driving insurance, or does my commercial policy cover me? Does this insurance cover theft, damage, things like that, or is it only for customers personal propety?