Well, given the situation you describe, likely all the lender could do is get a judgment against the debtor. IF the debtor ever works, they could garnishee their wages.
There are several insurance companies that offer insurance for busineses much like yours. Progressive, Allstate and Geico are just some examples. Also, you can get insurance on the property and the valuables even if you dont own the property and depending on your residence you can recieve a tax credit as a business expense.
You will need a property and casualty license. Now, after saying that ... you should check with the Georgia Insurance Commissioner. I nave been licensed to sell business credit insurance in 5 different states - they all required property and casualty licenses. In most cases very few people knew what business credit insurance is. Be very careful to specify that you are wanting a license to sell Business credit insurance (as apposed to consumer credit insurance e.i credit life insurance).
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