Any brick and mortar store is required to have certain kinds of insurance to protect them and their customers against harm. This is a place of business - even churches have liability insurance policies.
In California, there is a statewide reduced liability insurance policy to help make insurance more affordable to those who are in poverty. You can find this policy at any insurance company.
The insurance policy on the vehicle should still apply. Since the person responsible for the accident is 18 the liability should end with the 18 year old but I am not a lawyer and don't live in CA so I can't say for sure that I am accurate.
The address of the Weed Museum is: 303 Gilman Ave, Weed, CA 96094
Look on mapquest.com
I've never read the book, but in real life, the town of Weed, CA, is about 230 miles from Sacramento.
Either go on line and submit a request for a quote or call an insurance agent and they will be glad to help you. Some on line agencies will give you quotes from several different top insurance companies at the same time they give you one from theirs.
It is 229 miles according to Google Maps.
It is 140 miles according to Google Maps.
How do you become an auto insurance agent in Ca? sell a car
You should be able to find liability coverage from any Property & Casualty agent in CA excluding those that do only personal lines (home & auto). You are probably looking at two different types of liability coverage. First is general liability which coverage your business and second Errors 7 Omissions which covers your work product.
If you are the sole owner / employee of your s-corp, workers comp insurance is not required in CA, however some companies you do contract work for may require you to have wc insurance or some type of liability or health insurance.
You should shop around and get quotes from all the big known reputable house insurance agencies and determine which one best suits your needs and still remains in you budget.