I did a topic search for but did not find all the info i needed. I have several issues to address concerning the purchase of insurance relating to the lawn care business. The First Issue: Several years ago i was just starting out in manufacturing and sales. I had stores lined up to accept my products and three months prior to the purchasing season i was involved in a single vehicle automobile accident. The result of which i spent six days in the hospital and was not physically capable of manufacturing the product nor delivering it to my customers. I had liability insurance on my vehicle but however it only covered x amount of my medical bills from the hospital stay and the rest i had to pay out of my pocket over a period of five years. Things were tight. I worked minimum wage jobs and at least 1/2 of each dollar i earned went to hospital bills. I do not want a repeat of this. How could i best protect myself in the event something like this happens again? Self employment/unemployment insurance? I am not familiar with this type of insurance. Isnt the cost based on a percentage of what you earn per quarter and if so doesnt it fluctuate accordingly. The Second Issue: I understand two types of insurance will be required for my business. One for commercial property which may require i carry enough to cover 1 million in damage. One for residential property which may require i carry enough to cover 1/2 million in damage. What is this type of insurance called and what does it usually cost per year. Shouldnt the commercial insurance coverage for 1 million in damage be flexible enough to cover residential work also. The Third Issue: Shouldnt each individual piece of equipment also have insurance coverage in case it should come off a trailer, catch on fire or get stolen in the field? Any Other Issues: Am i missing or overlooking any more important insurance related information? For example in the event of an accident whether or not vehicle insurance covers equipment being towed on a trailer.