Yes in the state of Ohio you need to have insurance on your auto the min you may have is $12,500 per person on bodily injury coverage. Ohio law you must on any auto have insurance and there is a min coverage law set by the state of Ohio.
Yes
Automobile Liability insurance, YES. Liability insurance, NO. There are many kinds of liability insurance.
It is not mandatory for inventors or owners of a product to carry product liability insurance. Most insurance agencies will say that it is wise for them to obtain product liability insurance in order to protect them from potential risks.
If you have liability for an accident, you will need to contact your insurance company. If you do not have liability insurance, you may need to pay for the accident out of pocket.
You only need the minimum liability insurance, what the state requires.
General contracts must carry at a minimum liability insurance along with being bonded by the state. Liability insurance should be no less than $1 million and could be much higher depending on the job.
If they're your own children - your ordinary car insurance will cover them. If they're someone else's children, strictly speaking - you need 'public liability' insurance.
It may be necessary to carry motorcycle insurance if the state your vehicle is registered in requires it. In any case, it is probably worth the relatively small upfront cost to carry motorcycle insurance to avoid any expensive liability in the case of an accident.
You are required by law to carry Compulsary Insurance Only. This would be Liability and Property Damage. I believe the current limits are 20/40 Liability and 5,000 Property Damage.
Errors & Omission Insurance is suggested.
It is always a good idea to carry liability insurance to insulate yourself from any legal actioon.
The contractor should be bonded and carry liability insurance and you need to require proof of this before they start. Homeowners insurance is not meant to guarantee work on homes.