Unfortunately I am unaware of any personal insurance provider that will cover someone with a paper route and a commercial policy is usually cost prohibitive if your only commercial use is delivering newpapers.
Disclosure of a paper route is grounds for denial of a claim and/or rejection of new application.
It is not necessary for a business to carry business insurance.
Commercial property cannot be covered by homeowner's insurance. Commercial property insurance must be purchased for that category of property.
You should insure against non owned and hired auto's even if the business does not own its own vehicles
Medicaid is intended to cover all medically necessary services for indigent persons, so no supplemental insurance should be necessary. For Medicare, supplemental insurance will be necessary.
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 have to have a vehicle to carry auto insurance.
As of this date, liability insurance is not required but SB2029 requires that home improvement contractors disclose to home owners in writing to any potential customer whether or not they carry commercial liability insurance.
yes it has to carry insurance because they are dealing with so many of other people's cars there for they have to carry auto insurance.
Not in your carry-on baggage
you will need to purchase a commercial vehicle insurance policy with liability coverage. You will also need to schedule each of your contracted drivers if you want them all to be covered under your policy.
Most of the time the tools would not be covered under your personal auto policy although the vehicle might. You can ask your auto insurance if the type of work you do with your vehicle would be covered under their policy. If not then that's when you need to look into getting a commercial insurance policy.
I would imagine he would carry whatever is reasonable and necessary. Life, DI, LTC, Health, Auto, Home, Liability, etc.