If your vehicle is being used for company/business purposes, yes.
Most pharmacists are employees of a pharmacy and coverage is provided by the employer. If the pharmacists is self employed as in they own the pharmacy in which they work, then they would need to purchase their own insurance coverage
If you are required by law to carry insurance, you can either have it through the employer or provide your own. They cannot legally force you to opt in to their coverage.
Neither, This is generally addressed in the terms of your employment. Sometimes the company will provide the coverage while other times The employee will. However, Most often, when working in the employ of another the employer will carry the necessary coverage.
An employer's non-owner is usually an endorsement to a commercial auto or commercial general liability policy that is actually called hired and non-owned coverage. I always recommend this endorsement to my commercial clients because it is very inexpensive and provides coverage to the employer in cases where an employer has to drive to the bank or post office or similar errands. If an accident occurs the endorsement provides coverage for the employer only. It does not provide coverage to the employee who is still required to carry their own insurance. it provides secondary coverage only.
Sure they can. If you don't like the requirements of the job then don't take that job. They are probably going to insist that you carry a limit if liability equal to their limit as well as the requirement to carry coverage. If you have an accident you will probably be sued and they will be sued as well. In order to protect their insurance coverage they will require you to have this coverage for an accident that is your fault.
If you live in Nevada an employer does not have to. In fact the Nevada will defend the employer, if an employee is injured on the job and the employer does not have W/C Insurance. I've been though this.
When you intend to write a letter stating that your employer does not carry health insurance on you, you need to have all facts in place. This is an official letter and ensure that you include all your details and those of your employer for reference purposes.
Yes. An example of this would be the homeowners insurance that you carry on a rental property.
In general, yes. Medicare can be secondary insurance for a person otherwise entitled to it who continues to work beyond the age of 65 and participates in a health insurance plan offered by or sponsored by the employer. Additionally Medicare can be a secondary payer for disabled people who have their own coverage through their own employer's large group health plan (usually 100 or more employees), or large group health coverage that they have through a family member.
That's up to Kmart. They can carry as much or as little coverage as they choose. There is no law that requires them to carry liability insurance at all.
That is between you and your employer.
If you are single, you file as single