In a word, lots.
The commercial airline business is not intrinsically risky, after all, the most dangerous sector of an airline flight is the drive to the airport, but when an accidet happens, it gets VERY expensive, and only a limited number of specialist insurers will handle it.
Insurance is required to cover loss or damage to aircraft and cargo, injury or death of passengers and crew, loss or damage to third party people and property, and last but not least, acts of war or vandalism.
The only time you would not need it is if your personal auto insurance policy already covers you for your business use. If they would not cover then you need to purchase commercial insurance for that vehicle.
because its a business
If the are using their automobile for business, yes.
Commercial Property, GL, and WC.
You must have adequate coverage regardless of whether or not the vehicle is commercial or not. If you're a business person then insurance upon your vehicles is often a tax deductible business expense so long as you're definitely using the vehicles for commercial purposes.
5 TYPES OF INSURANCE YOU NEED TO PROTECT YOUR BUSINESS 1.BUSINESS AUTO INSURANCE 2.COMMERCIAL PROPERTY INSURANCE 3.COMMERCIAL UMBRELLA INSURANCE 4.GENERAL LIABILITY INSURANCE 5.WORKERS’ COMPENSATION INSURANCE Workers Compensation Insurance provides coverage for both work related injuries and some lost income. We also represent several top rated workers compensation insurance companies and can get you the right coverage that fits your business insurance budget.
When looking for travel insurance for you business, be sure to check the company's travel insurance ratings. You need to be sure that you are completely covered on every aspect of travel, including airline, rental cars and hotel rooms. You will need to make sure that the company you choose has a good customer satisfaction rating, as well as adequate coverage in case of an emergency. Business travel plans can change day by day, so you will need to find a company that will reimburse your business if you have to cancel airline or hotel reservations.
They need to pick up the phone and call a local insurance agent that specializes in commercial insurance.
You need a commercial general liability policy.
A Business owners package policy should cover your studio for some property and the liability of your product and premesis. You might need to add on property coverage for your products if they are expensive or you maintain a lot of inventory and I would be careful about how you value it for insurance purposes. If your business has employees you need work comp, if you have vehicles for the business you need to get commercial auto insurance.
Your husband would do best in seeking out commercial property insurance of an all-risk policy, which covers those problems known to be common with small business.
Depending on the business it may not be legaly required. It is a very good idea though incase you do get sued.