They really should have their own insurance if it will be a long period of time like a few months. However if they don't, your insurance will cover them if they only think the car was borrowed for a "short" period of time. If the period is long, your insurance company wants you to add them as a driver on your insurance which can raise your rates.
If its for an exam someone will lend you one if you really need one.
If you have a vehicle that you will be driving you will need to have insurance on it no matter what. You will not need any special insurance. Your regular insurance will cover you while you are out of state.
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.
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There are many types of insurance you will need to own and operate your barbershop. The most important insurance will be liability insurance. Liability insurance will protect you in the event someone is injured on your property.
Yes you will need commercial insurance. Just in case you are working and you hurt someone or damage someones property.
If your agent is telling you that you need a new "physical" then the answer is yes. Don't worry about it, the insurance company pays for it and it is done at your convenience at your home.
Car insurance companies insure for 6 months at a time. There are no long term policies. You must renew your policy every 6 months. If you need more temporary than that you would need to speak to an agent.
NO, liability covers damage you do to someone else's property. Comprehensive insurance covers damage to your vehicle by someone else. If you have no comprehensive, then you will need to look to their insurance for recovery of damages.
If you have their drivers license and insurance card what else will you need to know their insurance company. Perhaps you did not list the question correctly for what you meant.
Backpackers need travel insurances to cover insurance for the case that someone from the group might hurt someone or a wild animal. It also should cover an emergency service cover.
They need to pick up the phone and call a local insurance agent that specializes in commercial insurance.